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

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX  and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter into Equifax advising them there were alleged accounts that were showing on my credit report showing false and misleading information. All the banking institutions showing on the report are FDIC insured banks. Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), prohibit them from lending their own money from their own assets, or from other depositors. So when they are claiming there is a debt that is owed to them, this is false and misleading. Equifax supposedly did a verification, but has not been able to prove the actual alleged accounts. I believe the information above proves there is no way that any of these alleged banks lent anything of value that they would 1. Have a claim too and 2. Be the creditor, because they legally can not lend their own assets or other depositors money. There are also court cases as such : The United States Supreme Court and the lower courts have long recognized that the banks can not loan credit.In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX Bank v. XXXX XXXX XXXX Bank, XXXX F XXXX XXXX, XXXX XXXX XXXX.
Product: Credit card

Dollar Bank failed to provide my promotional period end date and subquent interest rate and what my interest would be if i did not payoff by the XXXX date. They are blaming it on some system conversion. They are required to report this every statement by TILA. I thought it was some time in 2026 and spent the money on other things at this point. I was not given the information as required and I am now seeking some sort of recourse.
Product: Checking or savings account

I called Citi Bank Customer Service to close my account on XX/XX/XXXX. The person on the phone assured me that the account was closed, they advised me to get rid of my debit card as it has been closed, and told me that the access to my XXXX Banking would be XXXX. I never received confirmation in the mail that my account was closed, never received the last statement. I continue to get alerts in my email to check my statements and a notice on XX/XX/XXXX that my account is negative due to a maintenance charge fee that posted on XX/XX/XXXX. I do not have any access online to see this account or access through the XXXX to find out account details. I called Customer Service multiple times to resolve my issue, but they tell me they can not access my account if I don't have my full account number or debit card number. There is no way I can have those details as they restricted my access to my statements and told me to get rid of my debit card on XX/XX/XXXX. Customer Service keeps telling me to visit a branch but there aren't any branches in XXXX mile radius from my home. When people send me money through XXXX, it continues to go to an account in Citi Bank that should be closed. I have no access to my funds that got routed there and no information on this.
Product: Mortgage

Wells Fargo took a majority of my payments and put them in Suspense and then brought then out of suspense on a date that made them LATE. Which Then they removed a LATE Fee from the full or more principle payment. THUS they would NOT accept the PARTIAL payment that THEY CREATED. They did this on and off for almost a year. Thus they made me in Look like I was in DEFAULT. 
I filed Chapter XXXX to put a STAY on my account so that they could not proceed with the foreclosure, while I tried to prove to the Bankrupcy Court that I was  NOT in Default. I proceeded with a Proof of Claim hearing which they regularly " continued '' so it took over 8 months until I could get to tell a Judge that Wells Fargo Home Mortgage was scamming my account.That hearing never occurred because their attorney never let it go through BECAUSE attached to the Motion for a Proof of Claim hearing was an Audit from the District Manager of XXXX XXXX XXXX XXXX. Who was willling to be a witness and submitted the audit of the Mortgage account that showed I was 2 PAYMENTS IN ADVANCE AND WAS NOT IN ARREARAGE AT ALL!!!!! 
ALSO while I was in the Chapter XXXX STAY ( freezing my account ) Wells sold, by way of ASSET BACKED SECURITY CERTIFICATES to XXXX XXXX My frozen account!!!! 
The reason Wells Fargo Home Mortgage did this to me was 1. My property appraised for {$360000.00} and I only owed {$120000.00}. 2. I worked at Wells Fargo Home Mortgage for 6 months because I was SICK of how they handled un knowingly, innocent Borrowers Accounts. And could Not stand to be so Unethical to work there, so I QUIT. They were demanding that I sell 125 LTVs and the Crash of 2008 was on the horizon and predicted and very evident. 
I was on the team that created XXXX XXXX XXXX used all over the United States and was in the Mortgage Business for over 17 years and have work at Many Mortgage Brokers and Banks BUT this was completely UNETHICAL and Fraudulent and hurt me beyond belief. And my life NEVER re couped from this huge fraud LOSS created by Wells Fargo Home Mortgage 's, bogus servicing tacits, and foreclosure scam.
Product: Debt collection

I have disputed this account several times with Portfolio Recovery. I have informed them that this account was a result of identity theft. I sent Portfolio Recovery a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.
Product: Credit reporting or other personal consumer reports

All three credit bureaus are inconsistent in their adjustments to my credit scores. I dropped my overall credit card balance by almost {$2000.00} and no change to my scores. Then when the balance of one card goes up {$160.00} one bureau ( equifax ) decreases my score by 14 points! This makes no sense. I watch my scores on a consistent basis and if I didnt no better I would think this is an example of institutional racism. They have slowly ticked down but rarely tick up. To have a minor negative years ago my accounts they have slowly taken me down bit by bit to middle 600s. This does not compute even with high usage. Ill never rise my scores if I decrease my usage by {$2000.00} and get no change then a small increase reduces my scores. Somebody needs to look into why there doesnt seem to be any consistency.
Product: Credit card or prepaid card

Consumer 's Original Complaint : Started to book on line, decided to cancel, when I clicked the cancell screen went blank, phoned immediately told " nothing we can do '' billed me {$4200.00} On XX/XX/XXXX I went on XXXX XXXX site to book tickets to XXXX. Site gave a price of {$2800.00} so I input my information including credit card info. Then site added another {$1300.00} which was not acceptable so I clicked cancel, but the screen went black. I phone the company but was told there was nothing they could do. Called my credit card company who would not remove the charges because I had no invoice. I never received any tickets, invoice or anything. Obviously, I did not take the flight. Neither XXXX nor my credit card will remove the charges - I never authorized or finalized the transaction and have gotten nothing other than being billed. I want a full credit returned to my credit card and also credit for interest and fees since the charge. 

Consumer 's Desired Resolution : I want a credit of {$4100.00} and the interest that has been added to my credit card balance.
Product: Credit reporting or other personal consumer reports

Experian continues to report false information to my reports. even after several disputes and complaints they have not provided me with any verification of accounts reporting- there are several things - I am filing a law suit next because this is getting out of hand
Product: Debt collection

Midland credit management, Inc. ( MCM ) is a debt collection agency that states that i owe XXXX {$810.00}. This debt that i supposedly owe according to their records is false. This information has never appeared on my credit history or credit reports and I 've never had XXXX service, ever in my lifetime.
Product: Debt collection

Collection Agency CONVERGENT OUTSOURCING refused to produce wet signiture Contract between myself and them and will not stop reporting to the Credit agencies.
Product: Credit card

A XXXX citizen who went to XXXX XXXX for {$1800.00} worth of dental work. Could not afford to pay upfront ; XXXX XXXX told me to use their payment plan. A foreclosure prevention counselor at a non profit anti poverty agency explained to me that it was a care credit card with a XXXX interest rate. She also showed me that only pay the monthly amount would cost me over {$5000.00}. XXXX did not explain this to me and did not tell me that I may have other options to pay this bill
Product: Checking or savings account

27 checks returned when my account was closed and another open for a transfer to XXXX  I did not authorize then my credit score was taken down 32 pints
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agency are refusing to send me my credit report do to they say they can not verify my idenity but if i go online fill.it all out they can verify my idenity do to questions i answer an wan na charge me by law im intitled to one free credit report once a year there refusing to send me my credit report saying do to my new address not being here long enough ive been in XXXX 3yrs there is no other address to giv them plus threes years before that i was XXXX XXXX XXXX my id dnt have this add.my bills are all electronic i believe some1 has used my idenity for a mortgage loan and a home equity loan while i was in prison someone scaming is gon na do what ive been doing to get my credit report i need to see whats in there so i can address it right away my names XXXX XXXX thank you.please help me.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. The following Information is fraud. 
FRAUDULENT ACCOUNTS : XXXX XXXX  BALANCE : {$34000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX BALANCE : {$450.00} ACCOUNT XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$320.00} ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX FRAUDULENT INQUIRIES : 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 or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2022, my case against Midwest Fidelity Services was closed through consumerfinance.gov with a statement saying my debt is not owed from the company. On XX/XX/2022, they sent me a letter still saying I owe the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$820.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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: Payday loan, title loan, or personal loan

Upgrade has me currently on a high interest loan. Payment is really high with minimal impact to the principle. I request to file a hardship to reduce the APR but they do not do that. They only will lower the payment amount each month but will not lower the APR. however the difference from the original monthly payment will be tact on at the final payment making it a very large payment to pay off.
Product: Credit reporting

according to the fcra items must be removed in 7 years in general paid or unpaid. 

evrything remains that is suppose to be removed thanx
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are more supporting details about this situation. I was going over my credit report back on XXXX XXXX and noticed that a company called XXXX XXXX XXXX XXXX was reporting on my credit report. I called the company 10 times but no one ever answered so I decided to reach out to XXXX, XXXX, and TransUnion. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a XXXX-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department here in California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with XXXX XXXX XXXX XXXX. I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, XXXX, XXXX, and TransUnion. I have included more than enough supporting documents to have this account removed. I am including all reports that were received by the credit bureaus and the laws that they violated under section 605B of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

" NEW ISSUE '' Experian and XXXX  XXXX, WY continue to report an account that was opened in my name without my permission. Additionally this was a result of fraud and identify theft. I have disputed this account to be removed. Police report is your responsibility to retrieve and investigate. Continue to report this account is a major violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO SORRY FOR BOTHER DISTURBANCE BUT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION WITHOUT MY PERMISSION IN A FRAUDULENT WAY AND TRY TO COMMUNICATE WITH EACH COMPANY BUT THE RESPONSE OF THEM IS NOT TO BE ABLE TO HELP ME, YOU CAN NOT FIND ME IN YOUR SYSTEMS YOU CAN ONLY TELL ME TO CONTACT DIRECTLY THE CREDIT BUREAU AND SO YOU CAN HELP ME REMOVE THE FRAUDULENT INQUIRES THANK YOU .. BUT I TRY TO COMMUNICATE WITH YOU BUT I RECEIVED NO POSITIVE RESPONSE PLEASE HELP ME TO UPDATE MY INFORMATION THANKS XXXX  ARE PAY ...
Product: Credit reporting or other personal consumer reports

It's my second time writing this complaint. The accounts that were fake were explicitly mentioned in the claim I made to your organization last month XX/XX/year>. As a result, there are still accounts on my credit report that shouldn't be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit report directly from Experian website and was given this mesaage : " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' I called and had my report sent to me.     Once I received the report, I tried to dispute inaccurate information and again received the same message. I called customer service and was given another number but was still unable to dispute it with that number so I called back and disputed it over the phone and had it removed.     A month later when trying to order another paid report for a job, I got the same error message of, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' The strange thing is, I can log in to experian.com/now and access the free report that 's updated once a month but am unable to request an updated report when changes are made unless I request it by phone.     At what point will I be able to access my own information to avoid this in the future?
Product: Debt collection

to whom it may concern, last year my internet provider XXXX and i where having issues with my connection with modem and router ( modem and router is free ) they provided, while i was talking to them over the phone, they miraculously fix my connection while i was talking to them, but said it was temporary so i needed to upgrade to another modem/router for XXXX and i said why should i pay for something that is free, and when they fix the connection problem while i was talking to them, i stop having connection problems! i took this as a SCAM so i thought nothing of it, but a few months i switch to another internet provider, i quit XXXX, they told me to keep the modem i have, just in case i get there service again! so last month i get a call from Affirm inc which i never heard of! trying to collect XXXX for a modem i never recieved! nor wanted! for a company called XXXX XXXX, they said they would investigate what i explained to them, never heard a response. Now today XX/XX/year>2025 i get credit report alert about this company Affirm is putting this i collections so i called them and we went over the same thing again and they said they would investigate again!. So i research and found out i can sue this company Fair Credit Reporting Act ( FCRA ) i am just not sure witch company to sue thx XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for the following account to be deleted on my Credit report ; These accounts listed below do not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX    XXXX XXXX XXXX   XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

The company Plaza Services is reporting an account that was discharged to me being a victim of identity theft. I have the police report that was filed and the Federal Trade Commission report Affidavit attached as my proof and record to have this erroneous information deleted as soon as possible. The creditor is listed as XXXX XXXX. This file was resolved almost over 2 years ago.