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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Ac

t ( 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 

XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these items. It is unacceptable to report these items as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX  Balance Owed : {$3100.00} DEPTEDXXXX XXXX Balance Owed : {$2500.00} DEPTEDXXXX XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$140.00} XXXX XXXX  Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX There should only be one address listed on my report, which is General Delivery XXXX WA XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) 1. XXXX XXXX XXXX Please remove inaccurate employers as well as listed below : 1. XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. Thank you, XXXX XXXX
Product: Vehicle loan or lease

In XXXX we left overseas and before leaving we called Bank of America to asked how to handle payments. I was told to send a signed letter with authorization and copy of checking acct. to my surprise the vehicle was repossessed last week, bank of america claims they didn't received the letter. I sent a copy of letter and bank to demonstrate to them the fund were at the bank. I received a letter today asking for the entire amount of loan plus all these fees.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Debt collection

I had XXXX XX/XX/XXXX at XXXX Hospital XXXX in XXXX XXXX, Florida, with anesthesia services provided by XXXX XXXX, XXXX ( XXXX ). The claim was sent to our health insurance, XXXX  XXXX, and we were found to owe {$1000.00}. We received a bill from XXXX for this amount, which we paid in full online on XX/XX/XXXX via American Express. On XX/XX/XXXX we received a collection notice for this service from Frost-Arnett ( XXXX ) in the amount of {$1000.00}. We explained at that time that the bill had already been paid in full. Since then, we have received 4 or 5 additional calls from Frost-Arnett attempting to collect on this debt that had been paid in full prior to receiving any communication from a collections agency. After contacting XXXX several times to correct this situation, we received a letter from them dated XX/XX/XXXX stating we had a XXXX  balance on the account and were assured that the issue had been taken care of. We received another phone call from Frost-Arnett today, XX/XX/XXXX, again attempting to collect on this previously paid debt. We would like for Frost-Arnett to cease and desist in their harassing attempts to collect on an already paid debt. Additionally, we are requesting a letter in writing stating that this debt collection attempt was made in error and will not affect my credit.
Product: Credit card

Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case number : XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I have received another letter from the same office, which prepared this letter on XX/XX/XXXX. Another letter was written on XX/XX/XXXX. However, the content is so different, and I would like you to check, and if there is any suspicious trait, I would like you to investigate further to clarify the criminal activities, which have happened around me. 

Sincerely,
Product: Credit card or prepaid card

Total balance was paid in full prior to the XXXX due date but was still charged XXXX in interest. According to the process by which Chase charges interest on an account paid in full, a consumer can never have XXXX balance if they have ever had a revolving balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  a credit inquiry report was run with XXXX  and XXXX  XXXX XX/XX/XXXX  I called both companies and they reported it was fraud and terminate the application process. 
XX/XX/XXXX  I notified experian about the fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$76.00}
Product: Money transfer, virtual currency, or money service

I went to a grocery store in XXXX, NC and used my CashApp card to make a purchase of {$140.00}. At first the card was declined to I tried it a second time and it went through. Within in XXXX minutes I realized that CashApp has debited my card twice for a grand total of {$290.00}. I called CashApp but they told me that the purchase only wen tthrough for {$140.00}, but when my statement came in I saw where they had charged me twice. The grocery store provided me proof that they only got {$140.00}. CashApp debited me twice and refuses to give me my money back.
Product: Mortgage

I purchased a condo as a second home/rental in XXXX of XXXX. I purchased through XXXX XXXX  and once the loan was handed off to be serviced by Midwest Loan Services ( MLS ). 

In XXXX and in XXXX I received letters from MLS stating that I needed to provide proof of flood insurance. 

In XXXX and XXXX I asked my agent at XXXXXXXX XXXX XXXX XXXX to assist and help get this resolved. XXXX helped as that info was provided in the loan application process. The insurance policy for the condo HOA was provided by XXXX XXXX XXXX which was then sold to XXXX XXXX in either XXXX or XXXX. 

XXXX  provided the insurance in XXXX and again in XXXX. Both years required numerous letters and efforts to get the issue resolved. Even after this was supplied MULTIPLE times, I continued to get letters form MLS stating that they needed the information. It was clear that MLS is incompetent in connecting my HOA insurance to my Loan. 

In XX/XX/XXXX, I once again received letters from MLS and was asked to send the information to MLS at the following email XXXX. I reached out to XXXX XXXX  to get a coppy of the Certificate of Insurance for the HOA which is fully sufficient. 
On XX/XX/XXXX I sent the policy as well as the contacts at XXXX XXXX to the email so the issue would be resolved. 

I heard nothing more until this last week I received a letter from MLS stating that they were going to have to provide me Insurance at the cost of {$3800.00} which is well above market rates! 
Today ( XX/XX/XXXX ) I called the MLS call center today and the agent I spoke with ( XXXX ) told me there was no record of my insurance on file. I asked her to check the email I sent on XX/XX/XXXX and she stated that she has no access to the email alias but those emails process in 5 days which should have been by XX/XX/XXXX. 
I then escalated to speak to a manager and XXXX came on the call for MLS. I explained my total frustration with their firm and asked her to check the email where the document were sent on XX/XX/XXXX. She stated she has no access to that email. I asked her as a manager, to please escalate to the team who does have access and she was unable to do that. She stated she has no access to anyone inside MLS to check the email. Instead XXXX asked me to fax the document to her at " Fax # XXXX Attention XXXX ''. I have no access to a fax machine so I asked my agents at XXXX and AXXXX XXXX to see if they could do so. XXXX at XXXX XXXX did fax it to XXXX today and I have a copy of the confimration that the fax was recieved. XXXX noted that this is rediculous and I should consider speaking to my lawyer and as well file a complaint with CFPB. 

At the very least, this shows complete incompetence by MLS. Worse yet, this may potentially be a predatory effort to sell overpriced insurance. I am absolutely disgusted with MLS and I would like this matter investigated by CFPB to help get this officially resolved.
Product: Credit reporting or other personal consumer reports

I did a 1099 A form that was approved by the IRS on the XX/XX/. It was mailed to the company. They havent updated my account to paid in full!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to an adequate customer service, and unfair practices which violates Consumer Financial Protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/XXXX, I filed a dispute to XXXX regarding XXXX XXXX Co XXXX Third Party ) who placed my account to collection for {$7300.00} that I owed according to them. However, the company has failed to provide me the information to validate the debt such as the itemization the amount of debt that reflects interest, fees, payment, and credit to verify the records. The original loan agreement, the age of debt, etc. Not sure if XXXX actually investigate my concern. They notified me by email that my dispute has been done but the collection remains on my account until XX/XX/XXXX as stated on my account. I'm very dissatisfied and disappointed with the outcome of their investigation.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate accounts that should not be listed at all. This is both unfair and deeply troubling, as I have never been involved in or authorized any of the activities you're attributing to me. If these discrepancies are not investigated and resolved promptly, I will have no choice but to take legal action.
Product: Mortgage

The Mortgage Co. Modification my loan in 2015. I pass the Trial Period Plan and the agreement in the Trial period plan was " After all trial period payment are timely made and your client has submitted all the required documents, the mortgage would then be permanently modified '' I paid {$3100.00} in escrow shortage which is included in the modified monthly mortgage payment. The Trial payment plan also stipulated that i will received {$1000.00} each year for five years for a maximum of {$5000.00}, which I have receive those payments for the last four. This is the big problem the Trial Period Plan also stated " IN ADDITION, once the loan is permanently modified, your client may be eligible to have some of the principal forgiven on a deferred basis. So long as the modified loan remains in good standing, we will forgive {$50000.00} of the principal balance of the loan each year on the anniversary of the first trial period payment date for three years.Your client will lose this benefit if your client 's modified loan loses good standing at any time during this three year period, including all accrued and unapplied amounts ''. I have not been late on any payments. I have move proof of fraud.
Product: Debt collection

This collection agency is not authorized to collect debt in the state of North Carolina per XXXX XXXX XXXX. This agency inserted this unknown debt without notice or documentation regarding these charges.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Debt collection

I receive a call from XXXX XXXX XXXX indicating they did revive documents showing police report, identity theft. Etc That for me to send again to an email address. A repossession stays on your credit report for seven years from the first missed payment./ she indicates when the car went to auction that in ludes a payment from me.. So this is oblivious on the company part. This fraud/ I never posesin of the vehicle in 2017/ so its fraudulent on the company behalf to continue to put negative remarks thats not true. Send proof that I made a payment!!!! This negative mark can hurt your credit score and make it harder to get new loans. The seven-year countdown starts on the date of the first missed payment!!! Not an auction. I want to be compensated. This mentality draining. I have proof of that too. Im taking medication ) This company need to be reported to committed fraud and a scam.Texas attorney general office and XXXX They calling my number which I did not give them my number nor my address. The other worker who I reached out too seen the mistake. I never purchased this vehicle. I do not drive .Thats whats even more hurtful. XXXX XXXX.
Product: Debt collection

I am a victim of identity theft and noticed a collection from IC SYSTEM. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEM in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

When calling the company, I spoke to XXXX XXXX and he refused to advise what company he was associated with along with advising if he was a collector with a collections agency. When he refused to acknowledge that he was a collector he hung up on me. I called back and after 3 times of calling back, someone finally answered without hanging up. I advised to the company that I would be filing a complaint with the CFPB. No one mini Mirandized me either.
Product: Credit reporting or other personal consumer reports

Hello my Complaint is the Bank involved Ally Bank mainly i Lost my Job a long while ago when i had the account and i Stupidly overdrafted some and ended up owing Ally bank XXXX XXXX  because my account was overdrafted for a long time and i had no income the amount was acctually higher until my state income tax return came and my amount owed was reduced for XXXX XXXX  and my Problem is me owing them XXXX XXXX  has my ability to Open A bank with Some/many/or All banks is now either hard or next to impossible thanks to me owing ally XXXX! XXXX  only XXXX XXXX  and possibly my XXXX  account is mixed up in it as well closing out owing them XXXX XXXX  because i was using Privacy the virtual card service and forgot privacy charges take a long time to go through and what i probably did with XXXX  is spend the money before paying XXXX  but i dont know if its on the same report so i recently applied to some banks and was rejected by both XXXX credit union and XXXX XXXX and this XXXX XXXX  a Small amount mind you which im happy to pay is ruining my chances of opening any account and prepaid/debit card accounts charge annoying fees on anything id rather have a bank and im pretty sure if i apply to most banks i will get denied i would totally understand if i Owed tXXXX XXXX XXXX but its XXXX XXXX  if XXXX  is actually in the report i owe probably XXXX together this is crazy and i lost the letter ally gave me stating this but when i applied to XXXX  XXXX for an account they sent me this letter saying my early warning score is high risk
Product: Credit card or prepaid card

I received a letter dated XXXX XXXX from Bank of America, Reference number XXXX. This letter thanked me for my interest in the XXXX XXXX XXXX Visa XXXX  card and that they needed to speak with me to verify information on my application. 
I NEVER applied for a XXXX XXXX XXXX Visa XXXX Card. I phoned the number on the letter XXXX immediately to notify Bank of America Fraud Department. I was told the applicant used my full name, address, date of birth and my SOCIAL SECURITY number. I requested that they send me a letter stating that the application was canceled and no credit card was issued and notify the credit bureau. I spoke with 5 individuals, XXXX, XXXX, XXXX, XXXX and XXXX who said they would take care of it and have received nothing. It has been over a month. I have no closure in this matter.
Product: Credit card or prepaid card

I been fighting with this company ( Capital One ) since XX/XX/XXXX they never send me proof saying this is my account ( XXXX ) I now have a charge off account reporting {$200.00} with late payments its stopping me using my credit I'm not able to get anything because of this account, if you can please help removing this off my credit report. 

XXXX XXXX {$200.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Late Payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some problems with my report and things on there that do not belong to me. I have never lived in New York in my life and their are numbers on my account that I am not familiar with at all. 
Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am not sure if these belong to a relative or Ex boyfriend but these numbers dont belong to me please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Debt collection

This is a new complaint about a complaint filed XX/XX/2023, # XXXX. Shellpoint continue to send treatening letters to escalate and continue to send strangers to my home takeing pictures to my home in what I perceive as an effort to intimidate me. I am a XXXX XXXX XXXX XXXX and Shellpoint company has a aggravated my condition to the point that I am XXXX XXXX! please refer to file # XXXX XX/XX/2023 for details of my complaint,
Product: Student loan

On XX/XX/XXXX, I applied for the income based repayment plan because I am unable to pay my student loans. Prior to reapplying my payment was {$0.00} based on my income. I called Navient/Dept on of education on XX/XX/XXXX,  to retro my IBR payment plan since my account is 36 days past due and was told by collections XXXX XXXX that Its not the fault of Navient/Dept of Ed, that my student loan payment is behind. I requested to have IBR plan retro back to cover XXXX XXXX payment. I have used the IBR plan multiple times and a representative has gone back as far as 3 months without my having to ask. The supervisor repeatedly kept trying to offer me a forebearance. Instead of applying my IBR plan back 4 weeks, they would rather put me at a inconvenience or make more money by placing a forebearance on my account. Also my loans have gone from {$44000.00} to {$60000.00} in one year which makes no sense if I had a {$0.00} payment.