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

I contacted Walmart ( XXXX ) because my new bill has fees/interest on it, saying the late fee I rec 'd due to holiday in XXXX was waived and I paid minus that {$70.00}, and can not understand more fees/interest. I was told, again, something is put on the balance increasing next month 's pymt plus because I only pay minimum they added interest. I said paying minimum is legal, I am unsure of what your doing or if it is legal. The woman said I pay too early and get late fees. I pay all bills around the XXXX with limited income due to XXXX XXXX. She said it reflects my billing cycle the XXXX. Again, I was advised to do what I needed to as they want the amount being charged. I seek your intervention with this. Thank you XXXX XXXX ( XXXX ) Walmart.com XXXX
Product: Debt collection

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX   credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature. They are being listed as follows :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account has been satisfied and reached the Statues of Limitations. Deleted off of 2 reports but not all
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for multiple violations of federal law regarding a fraudulent account on my credit report. Despite providing a police report and FTC Identity Theft Report, Equifax has failed to remove the fraudulent account and has re-inserted a previously deleted account, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2.

Under 15 U.S. Code 1681c-2, Equifax must block the reporting of fraudulent information within 4 business days of receiving my identity theft documentation. Despite receiving both my police report and FTC report, the following fraudulent account remains on my report : XXXX  XXXX XXXX XXXX Account # : XXXX Balance : {$800.00} Opened : XX/XX/XXXX  Equifax has unlawfully re-inserted this previously removed fraudulent account without following the proper certification process or notifying me as required by law. 

This violates 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which prohibits the re-insertion of any information into a consumers file unless the reporting agency certifies its accuracy and informs the consumer. I received no such certification or notice, and this fraudulent account has severely damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collection Agency CCS COLLECTIONS, Original Creditor XXXX XXXX XXXX, along with XXXX XXXX XXXX and XXXX are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.
Product: Credit reporting or other personal consumer reports

Equifax has violated my rights and has repeatedly refused to correct fraudulent inaccurate information on my consumer report. At their request for more information such as a FTC report, police report and other documentation which I provided. Nevertheless even after this documentation was provided they refused to remove the inaccurate information. 
Clearly Equifax does not wish to abide be 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 
Please help me to remove this inaccurate information that is being published without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing this from my credit reports for years!! The XXXX  account was opened fraudulently. I have shared my FTC. report with this company numerous of times, stating that my identity was stolen and they will not delete it off my credit report. I also asked them for a wet signature with my name and all the could show me was a computer generated signature! This is hindering me from getting safe and stable housing. I have been disputing this for years, it has cost me jobs and find a home due to this matter. I have sent supporting documents to show that the account was open fraudulently. Im also in the process of taking legal action.
Product: Checking or savings account

Back in XXXX I attempted to close my XXXX XXXX XXXX and the company refused to close it. I filed the complaint and as result ( Citi XXXX # XXXX ) the company responded back stating it waived the fee and instructed me to call Citibank again. I called again and again I asked to close my account. It wasn't as as of today the Citibank is sending me notices of overdraft. 
Today on XX/XX/2022 and the call was handled by their CSR in XXXX that was unable to even review the info on the account after putting me on several holds. Subsequently I requested and was transferred to a call center in the US where I again I was put on hold for about XXXX XXXX  after which the call was subsequently and without warning disconnected. 
It appears that the Citibank is refusing to close my account and it is interested in accruing fees on the account. Questions 1 ) Why is the bank refusing to close my account despite REPEATED requests to do so? 
2 ) Why there is absolutely no accountability with the Citibank for this outrageously poor customer service where the customers are not dealt with by either incompetent/unauthorized employees who apparently do not have a level of skill set to perform a simple operations such as account closing? 
3 ) Or is it the Citibank 's business model to accrue fees regardless of basic ethical and professional norms?
Product: Credit reporting or other personal consumer reports

I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by EQUIFAX. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. 
I have identified inconsistencies in this account information across the reports from the three major credit bureaus. These discrepancies suggest that the information reported is inaccurate and does not meet the FCRAs accuracy standards, warranting immediate corrective action. 

Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. 
2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by EQUIFAX, which further underscores the lack of accuracy and FCRA compliance. 

References to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. 
These cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.
Product: Credit reporting

I was charged XXXX for a XXXX in XXXX FICO score product which I did not order by Experian, I have a similar product through another credit reporting agency and no need for another. Experian refuses refund or cancel the product. The item will cause an overdraft fee to my checking account, please advise Experian I will need this refunded as well in the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A REPORT OF IDENTITY THEFT Experian has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating, I am attempting to purchase a home. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than XXXX years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX  XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX XXXX  XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX XXXX  - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX. XXXX, XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to log into my account with the Pin number I was given but was unable to. The Pin number I entered said it was invalid although I attempted it 3-5 times ...
Product: Debt collection

Transworld Systems is reporting inaccurate information via XXXX XXXX XXXX  company. They started reporting this info back in XXXX of XXXX. Our family purchased and moved in our new home back on XX/XX/XXXX and at the time of moving I called into cancel services at the previous address in which they assured me the service would be transferred back to the original apartments/landlord 's name by XX/XX/XXXX. Since the account was a prepaid account I was only required to pay up until XX/XX/XXXX. 

Fast forward XXXX, I noticed this being reported as a derogatory item on all 3 credit bureaus. I have attempted to dispute this account twice and keep getting a " verified as accurate '' by the credit bureaus. In addition, the credit collection agency also is saying that the bill attached is accurate, however in reviewing the attachment sent it is billing me for services after moving into my new home from XX/XX/XXXX to XX/XX/XXXX. We were not living at this address during the time of the service period listed on the attachment sent. 

This information is inaccurate and should be deleted from all credit bureaus. I am requesting that all bureaus delete this item from my credit as it is inaccurate. In addition, I am requesting that Transworld Collection Agency cease reporting this against my credit file as it is inaccurate I do not owe XXXX XXXX  aka Transworld Systems it's inaccurate.
Product: Student loan

I was contacted by phone on XX/XX/2023, a XXXX XXXX from XXXX XXXX XXXX  XXXX. XXXX contact number is XXXX. He claimed to be working with the federal student aid office stating that they could help me through the application process for the loan forgiveness for part of my loans. They had much of my personal information, which led me to believe that they were working directly with this department. They outlined a payment plan that they claimed would guarantee me forgiveness for a significant portion of my loan if the initial payments were made. They did not say that the payment amount was for their services, not directly going to the DOE and I was misled into signing a contract with them. I have been charged the first amount but do not wish to continue business with them. Particularly after doing more research and finding them related to Summit Horizon Financial Services which has many complaints on the XXXX for the same issues I had. I would like a refund and for this contract to be nullified, but I also hope to flag this company as a scam so that future students don't get misled like I was.
Product: Checking or savings account

On XX/XX/XXXX of XXXX I sent XXXX XXXX {$400.00} for a children 's bed. Not thinking that I would get scammed because I know her personally. I've contacted Capital One, XXXX and XXXX several times without hearing anything back. I've opened disputes and sent countless emails with proof that I never received what I paid for. I contacted Capital One again XX/XX/XXXX because I never received a call or email back about the previous dispute. Only to be told someone would be emailing me about the status. Today, a year later I still have not received a refund or the item that I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax breach, I froze my credit and my wife 's. I had to pay {$10.00} each to TransUnion and {$10.00} each to XXXX for a total of {$41.00}. Why should I have to pay to protect myself for the failures of Equifax? They, along with the other agencies, collect and sell my personal and financial information without my consent. Freezing your credit should be free for everyone. Make it a federal law.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to report XXXXXXXX XXXX willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the harm caused to me due to their fraudulent credit reporting practices. XXXX XXXX has knowingly reported inaccurate information on my credit report and failed to take corrective action, despite being notified in writing and through fax communications. 

Details of the Account and Issue 1. Account Information : Creditor : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Date of Purchase : XX/XX/XXXX XXXX. Inaccurate Reporting : XXXX XXXX is inaccurately reporting this account as a charge-off on my credit report. According to the Internal Revenue Service ( IRS ), a charge-off or cancellation of debt must be reported as gross income using IRS Form 1099-C if the amount exceeds {$600.00}. XXXX XXXX has failed to provide this form, which indicates the debt has not been properly canceled, and their reporting remains false and misleading. 
XXXX. Failure to Comply with Federal Regulations : XXXXXXXX XXXX  actions violate the FCRA, which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. They are also noncompliant with IRS regulations regarding the proper handling of charge-offs and debt cancellations. 

Timeline of Events and Evidence XXXX. Certified Dispute Letter Sent on XX/XX/XXXX : I sent a certified dispute letter to XXXX XXXX on XX/XX/XXXX, notifying them of the inaccurate reporting on my credit report. XXXX XXXX received this letter on XX/XX/XXXX, as confirmed by USPS tracking. 
XXXX. XXXXXXXX XXXX Response on XX/XX/XXXX : On XX/XX/XXXX, XXXX XXXX responded with a letter claiming they were unable to process my dispute due to insufficient information. However, my original dispute letter included all necessary details and the reasons why the reporting was inaccurate. 
XXXX. Follow-Up Fax Sent on XX/XX/XXXX : To address their response, I faxed a follow-up letter to XXXX XXXX on XX/XX/XXXX at fax number XXXX. This letter : Confirmed receipt of their XX/XX/XXXX response. 
Restated the inaccuracies in their reporting. 
Clarified that they were required to take corrective action by XX/XX/XXXX, which marked XXXX calendar days from their receipt of my original dispute letter on XX/XX/XXXX. 
XXXX. Failure to Take Corrective Action : XXXX XXXX failed to comply with the XXXX deadline and has not corrected or deleted the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not delete the Bankruptcy from my credit report. They are in violation of my rights. 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 an account or public record without my written instructions.
Product: Credit card

I've had Google XXXX account for years.. I made a purchase last XX/XX/XXXX. I never received the item ( earbuds- {$210.00} ), I suspect it may have been stolen. I shouldn't be held liable for something not in my possession I've made multiple attempts to dispute with Google XXXX, to no avail! 

Im sure theres a way to track the item but Im not getting cooperation to resolve the issue, Pls help dispute and resolve this with a proper due credit thank you!
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNT. MY INFORMATION WAS EXPOSED DURING DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT, THE FOLLOWING ARE UNAUTHORIZED. XXXX Account XXXX : XXXX XXXX. XXXX XXXX AUTO Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account Number : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX. XXXX XXXX Accounts XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of fraud. I used XXXX Docs to apply for loan forgiveness. I never received any confirmation nor did I receive any bills or payment notices. In XXXX I was trying to apply for a VA Mortgage Loan and was told that I owed {$16000.00} to a collection agency in regard to my student loans, and was denied a VA loan as a result. I contacted the collection company and asked for documentation to validate the debt. The documents they sent me were fraudulent. I never applied for a consolidated loan. I did not have any part in the documents and the information was incorrect, incomplete, and there was no signature, and no repayment plan selected. The email used on the documents was XXXX which clicked when I got a notification from the FTC stating that XXXX Docs had me listed as a client in their lawsuit for student loan scams! I sent this information to to collection agency demanding they remove it from my credit reports and found that they never reported to my credit? But that it is listed as XXXX separate loans from Dept of Education one for $ XXXX and XXXX for $ XXXX. I disputed this with the credit bureaus and even sent them evidence of the fraudulent documents. Yet, now the accounts have been reinserted on my credit report as OPEN and DEROGATORY. I NEVER applied for a consolidated loan. I only applied for loan forgiveness since my school was shut down. In XXXX my military pay was taken and I was told it probably went to taxes owed. It wasn't until XXXX when I realized it was the deducted to pay this loan which is not mine!
Product: Mortgage

We purchased a home in XX/XX/XXXX and financed the home through US Bank. In XX/XX/XXXX we refinanced the home through US Bank. Every year US Bank fails to document the insurance we have for our home. It takes several phone calls, emails and letters. Every year. It just feels like a scam. 

This year they finally did it. They sent us a bill for {$8200.00} for mortgage insurance saying they never received a copy of the policy. Their letter is dated XX/XX/XXXX. We placed our Flood insurance at the end of XX/XX/XXXX through our insurance agent at XXXX XXXX XXXX. They confirmed they sent US Bank the required documentation by mail at the address requested. I called US Bank in early XX/XX/XXXX and was told they did receive all the necessary paperwork. On XX/XX/XXXX I received a letter indicating they had not received the paperwork. I called and got an email address and had our insurance agent email the documentation to the bank and copy me on the email. They next day I called and confirmed that US Bank had received the email. 

Today, XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX indicating that they purchased {$8200.00} in flood insurance SINCE THEY NOW CLAIM THEY NEVER RECEIVED DOCUMENTATION THAT WE HAD COVERAGE. THEY INDICATE THEY ESTABLISHED AN ESCROW ACCOUNT FOR US AND WE WILL HAVE TO MAKE ESCROW PAYMENTS TO COVER THE AMOUNT OF THE POLICY. 

This is nuts. They have no way for me to verify that they have received a copy of the policy other than to call. How am I ever supposed to trust this company? Do I have any recourse other than paying the {$8200.00}? My word against theirs? Why would I pay flood insurance twice? Nuts.
Product: Student loan

MOHELA reports I have several Student Loans open from XXXX XXXX University and XXXX XXXX XXXX College. I only took one student loan. through my family 's credit union, and it was paid off, and I have never attended XXXX XXXX XXXX College. I have contacted MOHELA to report fraudulent activity every year for the last 10 years, and have been promised a packet of paperwork would be sent to me in order to get the accounts removed from my name, however, MOHELA never sends me the paperwork