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

Complaint Regarding Inaccurate Reporting and Handling of Disputed Account Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their inaccurate reporting and mishandling of a disputed account, which has resulted in negative consequences on my credit report. Despite my repeated attempts to rectify the situation, the creditor has failed to address the issue appropriately. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Account Status : Derogatory Type : Secured credit card Responsibility : Individual Remarks : Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late : XXXX Account Opened : XX/XX/XXXX Account Closed : XXXX XXXX, XXXX Payment History : Credit Limit : XXXX XXXX Monthly Payment : {$0.00} Last Payment : XXXX XXXX, XXXX Current Payment Status : In Collections/Charge-off Amount Past Due : {$180.00} Worst Payment Status : No Info I have taken the following steps to resolve this matter directly with the creditor : 1. Contacted the Creditor : I have reached out to XXXX XXXX multiple times to dispute the inaccuracies in the reporting and request a correction. However, they have been unresponsive and have not taken any action to address the dispute adequately.

2. Sent Dispute Letters : I have sent written dispute letters to the creditor, clearly outlining the errors and providing supporting documentation to substantiate my claims. Unfortunately, they have not acknowledged or responded to any of my correspondence.

3. Requested Assistance from Credit Bureaus : I have also contacted Experian, one of the major credit reporting agencies, to dispute the inaccurate reporting. While I am awaiting their investigation results, I believe that the involvement of the Consumer Financial Protection Bureau is necessary to ensure a fair and timely resolution.

The creditors failure to address the inaccuracies on my credit report has had significant negative consequences on my financial well-being and creditworthiness. Despite my best efforts, I have been unable to rectify the situation through direct communication with the creditor. Therefore, I am turning to the Consumer Financial Protection Bureau to seek assistance in resolving this matter.
Product: Debt collection

On XX/XX/XXXX I received a call from Williams Rush & Associates. They stated I have a debt that I owe from XXXX. I asked for proof of this debt to be sent to me. He stated if I did not take care of this date now, it would be reported to the credit bureaus. It has now appeared on said reports.
Product: Credit reporting or other personal consumer reports

I received a notification that a loan application was submitted under my name for a load with One Main Financial on XXXX. I called one main and reported the fraud and they said they would decline the application. I have also called XXXX to put a freeze on my credit. XXXX told me to file a report with reportfraud.ftc.gov and send them a copy of the report to have the credit inquiry removed from my credit report
Product: Credit card or prepaid card

Our Discover Card payment was due on XX/XX/XXXX. On XX/XX/XXXX I paid off the entire balance of {$8500.00}. On XX/XX/XXXX I noticed there was another balance on the account and paid the full balance of {$250.00}. The very next day, they had a balance of {$63.00} for interest. I contacted them about the never-ending scheme they had going on and they ignored me. 
I paid it off again today, XX/XX/XXXX. I have made three payments, in FULL, this month.
Product: Mortgage

I am the mortgagee on a mortgage held by Caliber Home Loans. I requested a mortgage verification via my account portal on XX/XX/2021 for the purpose of having the mortgage financed by another mortgage company. I requested that the mortgage verification be emailed to me. I was told via phone that the verification would be forthcoming within 48 hours. I received nothing so I recontacted Caliber via my account portal on XX/XX/XXXX. I did not receive a response so I called them on XXXX XXXX was told that they could provide the verification via phone and to have the other mortgage company contact them. They followed up with a response via my account portal on XX/XX/XXXX that their representative addressed my concerns on XX/XX/XXXX. I requested that the mortgage verification be sent to me via email so I would have it in writing. I still received nothing. I had told them that this request was time sensitive on XX/XX/XXXX as the mortgage was being refinanced and the new mortgage company needed the verification. I received a response on XX/XX/XXXX saying that my request was being referred and that it could take up to 30 days for processing. In the meantime, the other mortgage company dropped the application due to not receiving the mortgage verification from Caliber. This is unacceptable and appears to be a way for Caliber Home Loans mortgage to impede my effort to refinance or to have the. mortgage financed by a company other than Caliber. My payments with Caliber have always been timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

If you close a Bank of America checking account, and had paperless statements, you loose access to all your records for that account.
Product: Credit reporting or other personal consumer reports

Midland Credit Management are illegally reporting derogatory information regarding an apartment collection in the amount of {$550.00} on my credit report without any legal or proper authorization. I have never signed or authorized any contracts, agreements, or applications with Midland Credit Management, nor have I provided any form of identification that would permit them to legally report such information. Despite many requests, Midland Credit Management has failed to provide a copy of any signed documents, including a wet-ink signature, that would validate their claims. Their inability to produce such proof raises serious doubts about the legitimacy of their actions and the validity of their reporting. It is clear that this is not a legitimate credit transaction with this third-party agency. 
In light of their violations, I am not only disputing this inaccurate reporting but will also be filing additional federal and state complaints against Midland Credit Management. Furthermore, I demand proof of my identity, as I have never given this agency any form of authorization to access or report my personal information. Their actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for the sharing or reporting of such information. Midland Credit Management failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. I hereby request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure the removal of this unlawful derogatory information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I received a fraud alert via email pertaining to XXXX of my consumer reports from Via TransUnion & XXXX. I reached out to both companies via separate phone calls. I was told by both companies that these fraudulent hard inquiry accounts would be removed from my consumer report via XXXX hours. Its been over three weeks and these Fraudulent items are still reported on my consumer report today 's date is XXXX XXXX from the original date of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I still have not received the correct respond yet. I have asked numerous times for your company to send verifiable proof which is an ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT!! I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigations due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I opened a dispute with CFPB, and Transunion removed inaccurate information but, a few days later, allowed information to be added back to our account. This inaccurately reflects the actual status of this XXXX Account. 

Transunion continues to report inaccurate information. XXXX and XXXX have corrected the inaccuracies by removing information. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I checked online with XXXX XXXXXXXX for my account balance which reflected a payoff of {$13000.00} XX/XX/XXXX I Refi with XXXX XXXX for {$13000.00} XX/XX/XXXX I kept checking my online account which still showed my account and balance for my loan with XXXX Since my XXXX Payment was coming Due and I liked to pay by the XXXX to ensure it was not late. I made a {$600.00} payment and figured it would just be refunded back to me since this payment and the refi amount was over the payoff balance. 
XX/XX/XXXX Since my account was not closed, I made a payment of {$600.00} XX/XX/XXXX Received Check # XXXX dated XX/XX/XXXX from XXXX for {$580.00} the XXXX refund because my account was closed. 
XX/XX/XXXX Unable to view any account information since account was closed XX/XX/XXXX @ XXXX I called and wanted to know why I only received {$580.00} and not the extra {$600.00} over payment I made since the original payoff and the refi amount was correct. 
I was told that XXXX received the refi check closing the account and back dated the close date as a courtesy since it took XXXX a couple days to process this payment. Since the account was closed the payment that I made was not posted to my account since it was closed. I was told by XXXX  that the payment I made was just being held and that I needed to contact my bank and pull the payment back. 
XX/XX/XXXX I opened an ACH dispute with XXXX and they credited my account for {$600.00} XX/XX/XXXX CLOSED account reported 30 Days Late XX/XX/XXXX At the end of the month I received notice that XXXX XXXX advises the title transfer was completed. 
XX/XX/XXXX I receive first and only notification that my account was delinquent and I needed to pay or my vehicle would be up for repossession by XXXX. 
XX/XX/XXXX my credit alerts show XXXX reporting my account past due 30 days. 
XX/XX/XXXX called and spoke with Customer service and she adv she would send this to loan servicing dept. 
XX/XX/XXXX A couple hours later I received a {$600.00} deposit to XXXX checking account XX/XX/XXXX I spoke with XXXX in loan servicing and she cancelled all fees and interest and closed out account after receiving the {$600.00} wire transfer from XXXXXXXX XXXX XXXX. 
XX/XX/XXXX Several Wire xfers did not work since I did not have correct routing information from XXXX, I will be sending personal check by Mail XX/XX/XXXX Check # XXXX Received by XXXX XXXX XXXX Account was CLOSED again
Product: Mortgage

We were victimized by Wells Fargo Bank after we filed a complaint they whitewashed our comments and naturally found against us. We disputed and nothing was resolved. During the latest round of fraudulent behavior on the part of Wells Fargo Bank management and employees, adding accounts and expenses to customers with out their knowledge and approval, pleading guilty and exempting the wronged customers from taking legal actions, is abhorring to the say the least. Not only did Wells Fargo Mortgage Bankers lie and refuse to help us with our mortgage, our accounts were deleted and our access blocked. We recently learned through a card mailer from Wells Fargo Bank we were given two accounts were never applied for. We have over a hundred that were sent to us basically passing the buck back and forth until foreclose took place. We are owed around {$500000.00} in our property value and over {$250000.00} in builder and after market upgrades. I wash to have cfpb investigate and in the mean time I will prepare a complaint package to submit to United States XXXX XXXX XXXX. Wells Fargo Bank used their financial influence to deny short sales and provide any support to us when we were financial limbo during the economic recession/crash. After serving 21 years on XXXX XXXX in the XXXX XXXX XXXX and 19 years in XXXX XXXX XXXX supporting the military, mostly living XXXX with my wife and children away from the United States and our extended family. Wells Fargo Bank chose profit over customer support and wellbeing. We moved XXXX time since our foreclosure and we ask that Wells Fargo Bank reimburse us for all the money they made off us and refusing to allow our short even after the approved it. The financial figure that we were cheated out of was in the neighborhood of {$500000.00} and we have documentation to prove our case.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> has violated my rights.5 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 furnace account without my reading instructions
Product: Debt collection

multiple re-entry and removals.reoccuring. inaccurate debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reach out to XXXX Chief Financial Officer on XX/XX/2021 for the 3rd time about verifications of account number XXXX thats reporting on my credit reports. I provided my social security number and account number but the C.F.O stated he was unable to find or verify that account. He requested additional information that I can not produce because the account do not belong to me. If the C.F.O of the company can not verify this account, How are you verifying this account? Please send me your verification method and original signed contract in 10 days. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for credit bureaus reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.
Product: Credit reporting or other personal consumer reports

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see XXXX hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX XXXX XXXX was not helpful to resolve. This matter Experian and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and Experian, help these fraudulent people to create an account they must be hold accountable for their actions
Product: Credit card

I have originally filed a complaint with XXXX XXXX which is the Bank and partner the Bilt Rewards credit card uses. Consumer Financial Protection Bureau, case number : XXXX. 

XXXX XXXX the XXXX XXXX representative claims XXXX XXXX  is not responsible for the false advertising of their partner Bilt and that I will have to contact them directly, which I have done over 5+ times already only to never receive an real true answer for denial. I have attempted numerous times to use current and past rent payments to boost my credit score.

Bilt claims to offer this service by having it's members send in a copy of their lease agreement and pay their rent using their Bilt Rewards credit card. I've sent a copy over 5 times and was denied without reason for denial. When I finally called in the beginning of XX/XX/ 2025 I was told the reason for the Denial was it was a security issue. 

I repeatedly ask them what security issue they claim I have with my account. I never received any notice by email, postal mail or phone call ever. They also never had a issue processing my payments. The security issue they claim is completely false and made up to cover the fact that they are false advertising and deceptively marketing a feature on the credit card that they do not deliver on. I will like for the CFPB to investigate the deceptive practices of Bilt and get me an answer of this Fake security claim they have for denying me the credit boost.
Product: Credit reporting

I went to Experian to get free credit report and paid XXXX for the credit score. The condition that if you do not cancel in XXXX days you will be charged a monthly fee was not placed front and center and instead said free all over the homepage for using this service. However hidden in the terms and conditions which is a XXXX word XXXX hours read, right in the middle of the terms is where they say that it is free for XXXX days and you will be billed after that if you do not cancel. I feel this is misleading and needs to be placed in the front of a consumers application. Many of the terms and conditions are not even understandable unless you are a lawyer. I called Experian and they said that I can not get a refund. I only wanted a credit report and score for me any my wife and it costs us XXXX in the end for no service we needed.
Product: Debt collection

XXXX XXXX XXXX XXXX reported on XX/XX/XXXX on my credit report that I had 4 unpaid medical collections. After the auto accident, I set up a payment plan with all 4 amounts included. In XX/XX/XXXX or XX/XX/XXXX this debt was paid in full, no other payments have been deducted from my account and no other contact has been made with me from XXXX. But, on my credit report it shows unpaid and that it has never been paid at all. I contacted them several times, couldn't get an answer or a return call or email. I filed a dispute thru XXXX XXXX and they only removed 1 of the 4 amounts and are saying the others are accurate. This is the only bad mark on my credit and I need this to be removed as it has been paid in full. The medical bills were thru XXXX XXXX in XXXX IN.
Product: Credit reporting, credit repair services, or other personal consumer reports

my job is wrong my address is wrong phone number wrong been marr4ie3d for XXXX years almost
Product: Credit reporting or other personal consumer reports

recently I di an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items tht your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I have been trying to dispute Account # XXXX LVNV Funding to get this deleted from my credit report. This account was reporting on all three credit bureaus but it was removed on XXXX. And it should be removed on XXXX and XXXX as well. I mailed LVNV on multiple occasions indicating the laws that were broken for reporting this account my most recent letter stated this account was reported without any permissible purpose 15 USC 1681g- Disclosures to consumers subsection ( a ) Information on file. Also, I asked you to validate this debt by showing me the original contract with my signature on it and the actual accounting. I was not sent anything that showed this debt has been properly validated. This is a violation of 15 USC 1681i- Procedure in case of disputed accuracy. It says if the information is found to be inaccurate or incomplete the consumer reporting agency shall remove this account. This account has been removed from XXXX please see screenshots below. Credit reporting agencies are supposed to report the same thing to each agency. So if an account is removed on one it needs to be removed on all including XXXX XXXX XXXX. If both accounts are not removed that is a violation of 15 USC 1681n- Civil liability for willful noncompliance.
Product: Credit reporting

My Trans Union credit Report has too many inquiries in my report. So of them stems from the same company and has the same time.. Trans Union and their Customer Service Representative would not help and take care of the negative inquiries reporting to my credit report I want these inquiries to be delete from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX