23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Please see the attached document which is 4 pages long. The company did not process my disputes correctly. They processed them as unauthorized fraud. That is not correct. I disputed because the ATM DID NOT DISPENSE any funds in these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1300.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account with the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Equifax : Current with no late payments noted for the two-year history. 
Despite multiple requests for correction via letters dated XX/XX/XXXXXXXX XXXX XXXX my requests have been ignored. This failure to address inaccuracies violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of consumer files. The inaccurate reporting of a 30-day late payment, which is inconsistent across credit bureaus, indicates negligence in adhering to this mandate.

TILA Violations According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, directly impacting my creditworthiness. 
Impact on Creditworthiness The inaccurate late payment notation has caused significant harm to my credit score and financial opportunities. The discrepancies between the bureaus further emphasize the need for immediate correction. 
Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate 30-day late payment notation from my credit report across all three credit bureaus.

Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the appropriate authorities. 
Thank you for your attention to this matter. I look forward to a resolution within the timeframe specified under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

My wife and I used to live in XXXX and we had XXXX cable for internet and TV services. Before we left XXXX back in XXXX 2014, we paid all the bills to include XXXX, utilities, and electricity because the house was being rented we dont want to leave any outstanding for the new tenant. Last week, we received a collection letter from CBHV ( Collection Bureau of the Hudson Valley, Inc ) Tel : ( XXXX ) XXXX or XXXX. Threating us to recover the fund. We talked we XXXX and they confirmed that we paid all our bills and had refund in our account in XXXX ( Ticket Ref : XXXX ). The collection company wo n't stop harrassing us until we paid the money to them when we tried to tell them that they need to get with XXXX because we did not owe any money to XXXX for previous srvices in XXXX. We want them to stop harrassing us and talking to XXXX to update the case which should have never gone into collection since we paid all our debts to XXXX before we moved out XXXX to live in XXXX on XXXX.
Product: Credit reporting or other personal consumer reports

The reason that I contacted your company is because I heard that you have a three week turn around in improving credit scores. 
I contacted my creditors to request that my interest rate be dropped with no avail. I have been struggling since COVID and still trying to bounce back. I have a XXXX  lien on my home for {$40000.00} due to COVID while I was trying to do a refinance with PHH MORTGAGE but they drug me around month after month and then transferred me to XXXX XXXX. My husband has XXXX times XXXX  years and I am now retired and trying to pull my credit score up
Product: Prepaid card

On Friday XX/XX/24 I received a long-awaited and much needed direct deposit from the XXXX in the amount of {$2500.00}. I attempted to transfer the majority of those funds, {$2300.00} to be exact, to my partner as he assists me with managing my money. Unfortunately, the transaction did not go through the first time so I tried it again thinking that it may have been a connection error or something of the sort. However, after trying it a couple more times and it failing without providing me an explanation as to why the transaction wasn't completing even though the funds were available I tried sending {$50.00} to my mother and that transaction too was denied without providing a reason. I then received an email stating that my account was suspended due to suspicious activity and that I needed to send a copy of my ID for verification and consider changing my password. I submitted the requested documents around XXXX XXXX on XXXX. I called support and asked if there was anyway they could expedite verifying those documents/my identity and unsuspend the account. However, I was told there was no way to get in touch with the XXXX or XXXX XXXX handling account freezes for suspicious activity and the rep I was speaking too didn't have the XXXX nor capability of unsuspending an account. I was disappointed to say the least. I was then told that it could take up to XXXX  days for the information to be verified and the freeze removed. I called XXXX  to follow-up but was told that this department only works XXXX  through XXXX  and there'd be no guarantee. 

I am experiencing a family emergency this weekend and not having access to my funds is causing me a hardship. 

I believe that it should be required that a reason be provided when a transaction fails and instructions should be given on how to avoid account suspension and proceed with the transaction. Had I known the activity was " suspicous '' I would not have attempted the transaction multiple times hopefully preventing account suspension.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all invalid information on my credit report with transunion. checking my file ive noticed alot of data that is hindering my file. please remove the data listed an correct my report asap.
Product: Checking or savings account

Closed my Wells Fargo account ( # XXXX ) and was told a check would be mailed within 10 business days. Its now been 6 calendar weeks and Wells Fargo support will not reissue the check or provide any information on where my check is.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX from American Car Center in XXXX XXXX XXXX, Arkansas. The date of purchase was XXXX XXXX. The amount to finance the vehicle was {$27000.00}. This vehicle was financed through the original lienholder American Financial. 

Unfortunately, American Car Center and American Financial " ABRUPTLY '' went bankrupt in XX/XX/2023. I received a call in XXXX from a Westlake Portfolio Management Representative stating, " They are the new lienholder handling my account now and all future payments should be forward to them ''. As a result of them purchasing my account for an undisclosed amount from American Financial, they decided to terminate my limited warranty and additional coverages in my original lease agreement in an email sent to me on XX/XX/XXXX. Since this occurred, I have sent them certified letters repeatedly requesting that they email me all original documents as proof that they own my account and the right to collect on it. They have REFUSED AND FAILED to provide me with all the original documents for my account with no response to my letters. In addition to the mental and emotional stress dealing with Westlake Financial Services, my vehicle was determined to be a " TOTAL LOSS '' by my insurance company due to the tornado damage it suffered on XX/XX/XXXX. With a " LETTER OF GUARANTEE '' from Westlake Financial Service, they agreed to a settlement with my insurance company for the cash value of the vehicle which allowed me to retain ownership of the vehicle. My insurance adjuster sent me a voice message on XX/XX/XXXX to confirm the settlement agreement.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation into the XXXX account dispute on my credit report. Despite providing evidence of significant discrepancies across credit bureaus, Experian has not addressed these errors, negatively impacting my credit score.

Discrepancies in Account Information Date Opened : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These dates do not match, indicating reporting errors by Experian. 
High Credit Amount : XXXX and Experian : {$2600.00} XXXX : {$1300.00} The high credit amount reported by XXXX differs significantly from that reported by Experian and XXXX. 
Last Reported Date : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Additional Comments : Experian states that the debt was " sold to another lender, '' whereas XXXX reports the account as " charged off as bad debt and transferred or sold. '' Violations of the FCRA According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian must conduct a reasonable investigation when a consumer disputes information in their credit file. However, Experian redirected me to the creditor rather than investigating the discrepancies as required by law. This response violates FCRA guidelines, as the law mandates that credit bureaus, not consumers, verify disputed information.

Furthermore, if the information can not be verified within 30 days, the FCRA mandates its removal ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Experian has failed to correct or remove the inaccurate information, obstructing my consumer rights and causing unjust harm to my credit profile.

Requested Resolution In light of these FCRA violations, I request that the CFPB take the following actions : Require Experian to Investigate and Verify : Ensure Experian conducts a complete investigation, verifying each element of the disputed account with original source documentation.

Mandate Deletion of Unverifiable Information : If Experian can not verify the account details with the creditor within the 30-day period, order them to delete the disputed information from my report.

Monitor Experians Compliance : Evaluate Experian 's dispute-handling practices to ensure consumer rights under the FCRA are upheld.

Supporting Documentation I am including relevant credit report excerpts and correspondence with Experian to substantiate this complaint. 

Thank you for your attention to this matter and for helping protect consumer rights.
Product: Mortgage

Our mortgage ws given to OCwen when GMAC went under. Ocwen has not asked for us to sign any loan documents or explain any of our fees. We were paying our loan and trying to modiffy with no sucess. in 2014 my husband got laid offf andthey modified us to a unemployment modnification and made it sound perfect. we were able to keep our home while my husband found anouther job. at 5 months thye cancelled our modification because we were 1 day late on the 1/2 of the payment we owed. once this happened hy explanined to me that now we owed them around {$15000.00} to keep our home. i asked why and how is that possible and they explained that what ever we do not pya on our mortgage we owe at the end of the modification. please tell me someone on unemployment is going to be able to save this kind of money when they are just making it by .... they felt no remourse and would not help us in any way. i had to either find the money or lose my home. what a shock this was. i had to go to a family member and ask for them to loan us money as we had no money and wanted to save our home. since then i have tried to modify my loan and htey refuse. i do have the lowest interest rate as when my loan was with GMAC they were able to adjust my rate with the first HAMP refinance i tried and for 2 yrs unable to make a mortgag payment and then when they gave us the 2 % rate they added what we owed on our mortgage to the back end of our loan so we became under in our mortgage and equity. Ocwen states that due to us not being XXXX or XXXX there is nothing they can do. then why this program to hlep. i am not asking for my payments to go lower i just want my principal to be back where it was. all of thi happened with GMAC and OCwen and is not communicated and when you ask to speak with managment for office of the presidents they tell you there is none and we have to deal with it. There is no concerns or willing to help with this company. i feel that there is something they can do for us. The main parts are the amount of money we had to compe up with to save our home after being on unemployment in the amount of {$15000.00} which no one that has no job has that kind of money, that is unfair and should not even be offered. that is a scam and they know exactly how to get you to think it is so great until the end. they want your home they want you out. 2nd issue is the no resolution to anything. they can not tell you why you are denied on something or what can be done. they just tell you no. there should be notes and detailed reasons for declines. instead it is just a no and you can either short sale or foreclose. i think that should not be a opition ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Company claims it is not discriminating by not giving cli and/or card applied for Company is attempting to hide behind terms and conditions in rewards program to deny me anything larger than a XXXX $ credit line Bank of America use to give 3-7 cards to EACH individual this is abhorrent behavior
Product: Mortgage

We have been trying since XX/XX/XXXX to cancel our PMI. XXXX XXXX requires the loan to value ratio to be 75 % or less if the loan is between 2 and 5 years old. The original appraisal was for {$280000.00} which meant that we reached 75 % in XX/XX/XXXX. We followed instructions to request a BPO and paid {$150.00} for the appraisal fee. Appraisal was done on XX/XX/XXXX and the suggested list price was {$280000.00}. We were were denied PMI cancellation and the reason given was because the new appraisal was less than the original value at the time of purchase. This requirement is not stated anywhere. The only requirement given is 75 % or less loan to value which we have surpassed. As of XX/XX/XXXX, I was told the value of the house is {$280000.00} and our principle loan balance is {$210000.00}. I was told that our loan to value ratio is 84 % which simple math shows is incorrect and customer representative could not explain where this number came from. Customer service told me this was the information they had and they couldn't help me unless I ordered another appraisal or paid {$22000.00} towards our principle.
Product: Credit reporting or other personal consumer reports

I have previously lodged a complaint regarding my Military Star card ( Army & Air Force Exchange Service ) under the reference number XXXX. Documentation from the IRS confirms that wages have been withheld for the Military Star card account. However, I have observed discrepancies in the account over the past few years.
Product: Debt collection

someone stole my identity and got a phone and its un fair this not me and i never had a phone with this company and i want it off my credit now, please removed this out my name.its a shame someone out here using my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Chase bank of a fraudulent application submitted with his information without his consent. An account was established XX/XX/2018 and is being reported to his XXXX, XXXX and XXXX credit reports. An official dispute of this account was mailed to Chase XX/XX/2018 and was received verified with a return receipt. As of this date Chase has failed to advise the status of the investigation nor have they provided any clearance to my client concerning this matter being resolved. These actions are in violation of FCRA guidelines and violate my clients federal consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX****that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681 ( e ) B. I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME. 

Account info Account name XXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$650.00} XXXX updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my XXXX XXXX XXXX  I am XXXX XXXX of Identity Theft, someone accessed my XXXX XXXX and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my XXXX XXXX, and send me an updated copy of my XXXX XXXX The following items do not belong to me and is a result of fraud that I did NOT authorize : XXXX. The following account is NOT MINE : XXXX XXXX Date opened : XX/XX/XXXX, account # XXXX XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX Date opened : XX/XX/XXXX Please remove it from my XXXX XXXX. XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX. Please remove it from my XXXX XXXX. XXXX. XXXX  XXXX, XXXX opened : XX/XX/XXXX, account # XXXX. Please remove it from my XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX opened XX/XX/XXXX, account # XXXX. Please remove all information resulting from Identity Theft pursuant to FCRA XXXX ( XXXX U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my XXXX XXXX in the past XXXX months. Please also update the address on my consumer reports and name. My ONLY ADDRESS AND NAME that should be showing on my reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX and my only name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the covid19 pandemic i was trying to apply for a mortgage forbearance program with my mortgage company.after several attempts by my wife my mortgage company kept giving her the run around.she was informed that since the mortgage was in my name only i would have to call or give permission for her to speak on my behalf which i did at this point we where almost 1 month behind she was told since wr where applying for a forbearance that the 3 months where going to be moved towards the end of our mortgage it wouldn't be a problem then i went to lease a car for my daughter and i was informed that my credit score dropped by 100 points and i checked my XXXX  credit report to find i was marked 2 months behind on my mortgage i imeaditly payed. To bring it current i called freedom mortgage company was told my score would go back to my original score but till this day it hasn't but my main concern is all my credit card companies dropped my credit substantially in a time of a pandemic and state of emergency without any prior notice i please ask that my credit rating be restored and all my available credit be reinstated since i never defaulted or was late with payments.p.s is it even legal i know it wasn't humanly moral thank you in advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any items not later than XXXX business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) XXXX, XXXX, and Transunion, have 30 days to respond to my dispute This is a violation of my rights.