23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made purchases with XXXX XXXX for groceries, during the transaction I paid for the entire amount which comes out of the account automatically after the actual order is made based off the stores inventory whatever is not available is then suppose to be refunded to the same payment method the original purchase was made. After several purchases and missing items after checking with door dash ( see attached ) I was informed the refund was already made and processed and to follow up with the bank if it was an issue. I file a claim with navy federal reporting the missing funds and my claims were denied, so I never received any refunds. All amounts are in the attachments
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX  I attempted to use WISE to transfer {$60.00} euros to XXXX  a XXXX insurance company, to cover a co-pay for my deceased brother-in-law. I erroneously put his name and date of service in the purpose line so XXXX  immediately returned the payment to WISE on XXXX XXXX, XXXX  because they did not know where to credit the payment. WISE then sent the money to an unknown account on XX/XX/XXXX. XXXX has assured me that they did not receive a payment on XX/XX/XXXX. WISE refuses to provide me with the account number to which they sent the payment but have shared that the address is in XXXX. XXXX is located in XXXX. I am attaching the document that WISE gave me with details of the transaction on XX/XX/XXXX. It seems that they sent the money to the wrong bank. ( See details in the first email chain that I am attaching. ) I have asked them for a refund but they have replied that they have asked the bank for a refund but that this process takes time and is at the discretion of the receiving bank. I have been asking for this refund since XXXXXXXX XXXX XXXX XXXX. I will also attach their latest email to me after one month without hearing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Equifax received notification from XXXX XXXX to remove the Fraudulently opened account. I have sent Police report stating I am a victim of Identity Theft and still no help. This XXXX Account along with a collection account XXXX in the amount of XXXX should have been removed back in XX/XX/2018
Product: Debt collection

Jefferson Capital, a collection company for XXXX put a mark on my credit for an account I never opened. It was opened by a lady named XXXX XXXX in my name. They threatened to have me sued if I did not settle what I owed. So I accepted a letter settlement pay off of {$150.00} dollars and paid online. The company did not remove the collection after telling me they would. They were informed this account was fraudulent and said it would be closed. I do have proof that I paid the {$150.00} dollar settlement to them. I dispute it on my credit report with no luck. I am locked out of my online account and they will not contact me to settle this. I feel intimidated and scammed out of my money. This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Greeting Please see attached FTC Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. 
XXXX Greetings to whom it may concern, Credit Bureaus are not accurate and just putting anything on credit and refuse to correct.

Dispute 1 Late Payments Please see attached all documentation.

Please look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is wrong and needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in XXXX XXXX : Please investigate and mark paid as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX has reported to my credit an outstanding debt of XXXX dollars, this is not a debt i owe nor do i have any contracts with this entity stating i owe or agreed to pay, the entity now has reported negatively to my credit which they have no legal right to do. it was last reported to my credit on XX/XX/2018 and has also had my federal tax refund offset by XXXX dollars.
Product: Credit reporting or other personal consumer reports

Violation of Fair Credit Reporting Act ( FCRA ) - Inaccurate and Unauthorized Reporting Account Information : Account Name : XXXX XXXX  Account Number : XXXX Complaint Details : I am submitting this complaint to address the inaccurate and unauthorized reporting of late payments by XXXX XXXX on my credit report. Specifically, this issue violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : Unauthorized Reporting : You have reported late payment information without my explicit written permission, which contravenes 15 U.S. Code 1681b ( 2 ). I did not provide any written instructions or authorization, including a wet signature, for such information to be shared or reported. Inaccurate Reporting : The account in question is inaccurately reported across the three major credit bureaus : XXXX : Reflects a positive payment history. XXXX and Equifax : Report 90 days past due, which is factually incorrect. This inconsistency demonstrates non-compliance with Section 611 of the FCRA, which mandates the reporting of accurate information to ensure fairness and accuracy in consumer reports. 
Impact on Creditworthiness : This inaccurate and unauthorized information is severely impacting my ability to obtain credit. The false reporting of late payments is unjustly lowering my creditworthiness and causing undue harm. Requested Resolution : I respectfully request the CFPB to conduct an immediate and impartial investigation into this matter, including : Verification of whether XXXX XXXX has obtained my written permission for reporting this information, with documentation of my wet signature. Validation of the late payment entries and correction of any inaccuracies in compliance with the FCRA. 
Confirmation that all inaccurate and unauthorized entries are removed from my credit reports. A detailed written response outlining the investigation findings and any corrective measures taken. I trust that your agency will address this matter promptly to protect my consumer rights as guaranteed under the FCRA.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete this at once! '' DP OF EDUC - XXXX DP OF EDUC - XXXX XXXX XXXX - XXXX {$5700.00} XXXX XXXX XXXXXXXX {$5700.00} XXXX - XXXX XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX DOE XXXX XXXX XXXX DOE XXXX - XXXX XXXX XXXX - XXXX
Product: Mortgage

I recently ( 5 1/2 weeks ago ) refinanced my home and my mortgage was paid off with this bank. I am trying to complete my taxes and access my 1098 via my online account per the email I was sent in XXXX of this year. The institution has since closed my online account, blocking my access to vital tax documents and all prior statements of my account as I had elected for paperless documents. 

This is not my first issue with this bank which is one  of the reasons I refinanced, to make sure I would no longer have to deal with this institution.
Product: Debt collection

I received an alert on my credit report on XX/XX/XXXX, that a new collection account was added to my credit profile. Upon further inspection, I had found that one was placed by a company noted as P & B capital Group, listed as an account # XXXX. This appears that it was originally placed on my profile on XX/XX/XXXX, though I was not notified of any changes to my credit until XXXX of XXXX. I have never received any notification from this company of any account. If I had received this information, I would have submitted the information that I will attach to this complaint. These companies are bound by the FCRA to notify any individual before anything is placed on their credit profile. This account was with a company called XXXX before it was being illegally posted to my credit profile currently. I have spent the last year cleaning up my life after being a victim of identity theft. XXXX found the information that I had provided them and closed the account, and deleted it from my credit profile. This account is not valid and needs to be removed.
Product: Mortgage

In or about XX/XX/2018, our mortgage with XXXX  XXXX XXXX was sold to ShellPoint Mortgage Servicing. Due to our pay schedules, we have been paying our mortgage ( even with XXXX ) after the XX/XX/XXXX of each month but never in arrears. We are not behind on payments. However, Shellpoint has taken to harassing telephone calls ( multiple times in one day and at all hours without leaving any messages ) in violation of Mass Consumer Protection Laws and the revised mortgage laws ; has been hand delivering letters ( not in-hand service or mail ; just leaving letters jammed into our door which is not considered good service in MA ) threatening to commence foreclosure actions ( even though we are not even 1 month behind ). Additionally, in XX/XX/2018 I received notice from our homeowners insurance company that ShellPoint had failed to make our yearly homeowners insurance payment on time ( ironic considering the circumstances ). We pay by phone and the company offers no options to pay additional amounts, as we used to do with XXXX, therefore our late fees are accumulating on top of our principal. Lastly, no Assignment of Mortgage is on record for our XXXX loan.
Product: Debt collection

The XXXX debt has been deemed at Identity theft. This account was originally being collected by XXXX and I got a police report for it. Now this account has been sold to another debt collection company called Jefferson Capital. Im pretty sure that this is illegal.
Product: Debt collection

Elan debt was consolidated and paid in XXXX. When I was notified that the payment was paid to the wrong account it was 2 years later and hit my credit file. When I disputed the information I was credited with paying off the account in XXXX of XXXX and not XXXX of XXXX.
Product: Checking or savings account

XX/XX/2022 : went to bank to try to close account. They said I needed to make an appointment. I waited in lobby but nobody came to help with appointment. 
XX/XX/2022 : I called twice to try to make appointment. Both times, they promised that the branch manager would call me. She has never returned my calls. 

It is IRA account for more than {$800000.00}.
Product: Debt collection

ERC has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to fews purchase a home but ERC is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Last month, I chatted Bank of America about my XXXX XXXX Mastercard through the bank 's website. For context, when I opened the card application said that if I did not put in an XXXX XXXX Rewards number, Bank of America would automatically create a new rewards account for me. But lo and behold, Bank of America had mistakenly issued my XXXX XXXX Mastercard to an XXXX Guest Rewards number that was not even registered to my name! XXXX informed me that since this was a Bank of America error, they needed to be the ones to correct the misassigned number. So that's why I initiated a chat. The chat representative assured me that the bank would correct this problem by : ( 1 ) Ensuring that all points awarded to date would be credited to a new account I had just created. 
( 2 ) Ensuring that the companion and upgrade coupons would be added to the new account. 
( 3 ) Ensuring that the single-visit lounge pass would be sent to me via mail ( I had not yet received this pass ). 

Bank of America has completed item 2. However, item 1 is still incomplete, and item 3 has not been resolved. Thus, I am still out all my points from the XX/XX/2021 statement, as well as my single-visit lounge pass. This is disappointing as the original problem was caused 100 % by the bank. I should not have to wait multiple months for the bank to fix its own error.
Product: Mortgage

Originally purchased home 4 years ago at {$400.00} appraised at {$410.00} financed through chase. While trying to figure out why my payments climbed from {$2600.00} to over $ 3k I found out i have been overpaying state property tax fees. I was only able to get 2 years refund from the state but was able to fix this issue ; however, even after calling and squaring this away with the escrow department they paid the same amount AGAIN and raised my rate. 

Recently, this past month while trying to get PMI removed I believe the bank is not behaving correctly. We've paid the house down to $ XXXX and the exact same house sold for {$460.00} so we called to request PMI removal. Chase informed me we are required to use their appraiser at {$550.00} to confirm property value and I had no input on the appraiser used. I agreed and they denied my request but did not send me a copy of appraisal or inform me ... i later found out by calling back in to get the status. After requesting copy I noticed they used comps on homes that are not similar to mine and resulted in a {$430.00} appraisal. The numbers are suspiciously close to the original PMI removal of 80 % off {$400.00} vs 75 % of {$430.00} ( XXXX vs XXXX ). I was given the option to submit 3 comps and argue my appraisal but they have lost this paperwork and now claim the original appraisal will expire and I will need to pay another {$550.00} to remove PMI with a check of $ XXXX to pay principal down. 

I believe the mortgage company is unfairly requiring me to pay extra principal to remove PMI insurance when i'm in good standing within 80 % TLV. Further, i was required to use their appraiser who unfairly tilted the scales in their favor regarding home value by citing properties that do not even have their own driveways.
Product: Debt collection

XX/XX/XXXX got a call from a collector. Mentioned a payday loan that I did default. I paid them. Then today XX/XX/XXXX I got a call from another collector and said to pay the same pay day loan. Thinking this was another payday loan, I paid this guy. Later to realized I paid two collectors for the same loan.

I paid {$760.00} in XX/XX/XXXX and {$560.00} today. I think the loan was originally {$300.00}. I need to find out who
was the company that called me in XX/XX/XXXX.
Product: Mortgage

Hello, I am an unsatisfied customer who I applied for a refinance loan in XX/XX/2021. All went well and I was approved until XX/XX/2021 when the loan officer XXXX XXXX called me in regards to my credit report where another report showed on my credit report in which I was paying and I told her that. I had already been approved by XXXX XXXX, Production Manager for the loan. Not understanding the problem since my credit score is almost XXXX but actually my biggest complaint is that I never heard from the company again in regards to being approved or denied. This is no way to handle customers and I am very upset with this result. I plan on reporting this to the XXXX XXXX to let other people who apply at this financial company how they take care of their customers. Not good customer service. I could have at least received a phone call or a letter in regards to my application.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing, my credit reports, I notice some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, FTC complaint, and a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.
Product: Debt collection

This debtor has previously been told that this is not a valid debt. It was previously listed on my credit report as " XXXX XXXX XXXX '' or " DRS ''. These are medical debts that have previously been removed from my report and marked as identity theft -- The original creditor, " XXXX XXXX XXXX XXXX XXXX '', was informed and subsequently removed the accounts from my report. However, the debt was sold ( again XXXX and now the new debt collection agency ( DRS ) listed the items on the credit report. When attempting to dispute the items Equifax correctly removed the debts, as did Transunion and Experian. In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did XXXX not provide this documentation -- they put this information back on my credit report a second time. They are also still sending me collection letters. 

This is also a potential HIPAA violation. Providing requested documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is! This is NOT my debt. I have exhausted all means necessary to stop collections. The company still sends me letters and calls, even after it was removed from the credit reporting agencies and identify theft documentation was provided.
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, 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation