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

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrwctwd right away : XXXX XXXX XXXX Balance $ XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent accounts on my credit report, in XX/XX/2018, I filed a dispute for the inaccurate information to be removed, I had any credit file freeze because of the situation, I sent in a police report and other supportive documents regarding my situation so they sent me a copy of my credit file and at the bottom on page for it stated that the documents in sent in they specifically stated they sent of copy of my documentation to the creditors and I did not give them permission to do so, that's a violation under FCRA ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

I had received a bill from XXXX hospital in XXXX or XXXX from a hospital visit inXX/XX/XXXX. My bill was just over {$3000.00} and I did not have health insurance so I sent a letter to insurance department explaining that I was a college student with no insurance and there was no possible way to make that type of payment. After sending the letter I assumed that I would hear back to see if the fee was waived or reduced. After months passed by I was never notified about if my request was accepted ( which I thought was strange ) so I just assumed that the whole payment was waived. InXX/XX/XXXX I decided to to create a XX/XX/XXXX account because I am looking to start build my credit and noticed that I have a derogatory mark which is from AMERICOLLECT. It says that I owe {$220.00} and that they posted the debt on XXXX XXXX, XXXX. After discovering this debt I made the payment on XXXX XXXX, XXXX. I am writing this complaint because if I had received any information about this debt when it was due I would have made sure to get it paid on time. I am a responsible person and would greatly appreciate if the derogatory mark posted on my credit be removed. This year I am looking to start building my credit and would like to start off fresh. This issue was not in my control due to not receiving the information needed to make a payment. Thank you.
Product: Mortgage

I called Flagstar Bank on XX/XX/XXXX to discuss repayment options. I was offered to apply for payment deferral which I accepted. At the conclusion of my call, I was told that I would receive a letter with a decision from the lender if payments was approved to be deferred ( Placed at the end of the mortgage ). 

I received a letter on XX/XX/XXXX stating that the payment deferral request was approved ( Two payments would be deferred to the end of the mortgage ). The letter indicated that we must accept the deferral sign, date and return the document by XX/XX/XXXX that once I made payment by XX/XX/XXXX, then an agreement would be sent to me. I uploaded the signed and dated document to my online account as directed on XX/XX/XXXX. 

I spoke to several representatives ( XXXX on XX/XX/XXXX ) who confirmed that my deferral request is approved with the condition that I make the regular XXXX payment by XX/XX/XXXX at the very latest. I stated that I was concerned because the letter required payment by XX/XX/XXXX. I gathered the funds requested and tried to make payment online on XX/XX/XXXX but did not have the option to make XXXX payment ( Website required XXXX payments ). I called on XX/XX/XXXX to make payment, and the representative advised that he saw the letter approving the deferral but for some reason, the account had not been updated yet. I had to return to work and could not continue to hold on the call. Today ( XX/XX/XXXX ) I called again to follow up on my call from the previous day and to make payment. At first the Flagstar Representative ( XXXX ) stated that my account would not be eligible for deferral until it was at least 3 months past due and advised me not to pay XXXX ( I would need to submit another loan mitigation application ). She then corrected herself and advised that my application was closed and that my account is not eligible for a deferral. She stated that I instead would need to apply for a loan medication. The representative told me that the deferral approval letter was sent in error. She claimed that a letter was mailed to me on XX/XX/XXXX explaining as such ( I have not received the letter ). I also asked why several representatives confirmed that the deferral was approved on multiple occasions throughout the month of XXXX, and now I am being told differently only when I am calling to make payment. She indicated that the letter was mailed in error. I made the required payment today as per the deferral approval letter.
Product: Checking or savings account

As per the guidance from the consumer financial protection bureau ( CFPB ) the documents needed are a picture ID, Bill, and letter from an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

Please see the attached letter that I have sent to Macy 's Dept Stores, after I received what I consider to be an inappropriate dunning letter. 
XXXX XXXX, XXXXMacy'sXXXX XXXX XXXX XXXX, MO. XXXXRE : Form of Massachusetts Debt Validation NoticeAttached is a letter I received from your offices. I tried calling the number ( XXXX ) several times to speak to someone live, but that was never an option. I am contacting you because your letter is very inappropriate and upsetting to me. For an amount of {$27.00} you are sending me a threatening dunning letter, that says in part, " If you or your attorney notify us ... '' and then requests XXXX types of information, such as " A copy of any judgement against you regarding this account ''. As you will know by now, a payment was made that resolved this issue. This account is paid automatically from my XXXX XXXX XXXX account for the full amount due every month. In this case the amount was above my self-imposed limit, which is a safe guard against excessive or fraudulent charging. I have attached my statement from XXXX XXXX XXXX showing payments to Macy 's from XX/XX/XXXX. 

I request a letter from you confirming that this issue has been resolved, and it did not in any way effect my credit rating. 
Send to : XXXX XXXX XXXX XXXX, MA. XXXXCc : Consumer Assistance OfficeMassachusetts Division of BanksXXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  collection bureau of XXXX XXXX, XXXX XXXX XXXX has violated 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard auto loan inquiries and I havent requested nor tried to purchase a car. I contacted each company directly to inform them it wasnt me and was told to either file a police report or theres nothing they can do. I sent off a dispute letter to XXXX, Experian and XXXX and they are still reflecting on my account. 
-XXXX XXXX  Inquired on XX/XX/2023 -XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 - XXXX XXXX XXXX XXXX Inquired on XX/XX/2023
Product: Credit card

I received an EMAIL from Capital One to contact them about unusual activity on my credit card. When I called them there was no unusual purchase activity since I hadn't used the card since XXXX so I asked- what was the activity? We then went through a series of questions regarding my account number date of birth last four of my SS # etc. And they asked if I changed my email and my phone number recently and I told them I did. I asked if there was a problem and they said my account has been flagged for restriction I told them, " I would have thought if you go online with your User ID and Password you should be able to change items in your Profile ''. I stated to the agent no one questioned who I was when I made the two most recent payments in the amount of {$1000.00}. And then I asked didn't my account of have security questions that only I would know, unbelievably they couldn't tell me. Which of course set my radar off. But then he stated that I should just take my driver 's license take a picture front and back and send it to them. So I asked why would I do that I didn't need to provide a driver 's license XXXX years ago to open the account, and perhaps even bigger you can't give me the security questions. Nor did you inform in advance through any communication that changing my email which you accepted but my phone number wasn't would cause my account to be Restricted. 
I asked for a Supervisor and we went round and round with the same result. I even told them I did the same with XXXX, XXXX, XXXX XXXX and XXXX  XXXX XXXX and all just required my User ID, Password to be entered online and responses to my security questions. 
So at this point my account is restricted although I continue to receive the billing statement via email today. I don't believe Capital One has the right to my drivers license especially when they couldn't confirm any of my personal data back to me. I'd appreciate if you can weigh in on this. Thank - You
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit report, I noticed that Mohela reported two accounts that I have no knowledge of with the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies. I did not get either request fulfilled. The account was removed from my XXXX  report but still remains on my XXXX and XXXX with payment history inaccuracies. The payment history states that I was on time in XX/XX/XXXX, but 90 days late the following month, in XXXX. Also, from XX/XX/XXXX to XX/XX/XXXX it states that I'm 120 days late each month. How is this even possible or allowed to come back as being accurate?! This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I have discovered unauthorized activity on my credit report that I did not initiate. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the following accounts and inquiries.

Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$2100.00} XXXX. XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXXXXXXXXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.
Product: Student loan

I got a personal loan out from XXXX XXXX ( now Navient ) around 2006, for XXXX. After receiving my XXXX, I decided I did n't need the other XXXX, so I called them to cancel the other XXXX. I never got anymore checks from them after that. But I am still being charged my full loan for XXXX. After calling them to dispute the XXXX, they said that they sent the money to the school directly, but that is not true, because it was a personal loan, so why would they send it to the school? I have check stubs from the XXXX I received. Proof that i never received the full XXXX. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning dark web data breach and incorrect scoring on my fico
Product: Debt collection

I received a letter a few years ago from CREDITORS DISCOUNT & AUD about an outstanding debt that was being collected. I did not recognize the debt and had no idea what the letter was about - to my knowledge I did not owe anyone any money, and I had not been contacted by any party about a missing payment. 

I called the number provided in the letter, and spoke with a customer representative. I told her that I was disputing the payment since I did not recognize it. I also asked for additional documentation, saying that if indeed I had missed a payment I would be happy to pay, but that I needed more information to verify what payment this was about, from when, and whether it had not been settled. She told me my dispute was recorded, and she assured me that there would be no adverse effect for me or on my credit scores. I never received any further communication from the debt collecting agency, and I have not received any further information regarding any missed payment/amount owed. 

A few days ago, I applied for an auto loan and given my 800+ Fico score ( I pay off my credit card balances on time ) assumed it would easily be approved. But when it was rejected, I looked into my credit reports and found a collection reported. I still do not know what this is about, I have not received any information or communication regarding it, and I suspect I have been subject to fraudulent activity. I have disputed the collection with the credit rating agency ( XXXX  ), but would appreciate help finding a solution to this.
Product: Debt collection

ProCollect sent two collection letters for two different amounts. I have been sent a bill for {$2500.00} and a bill for {$2400.00}. Both accounts are claimed to be from XXXX XXXX XXXX ; however, only one of these amounts has been verified as accurate. The verified account is # XXXX for {$2500.00}. 

I acknowledge owing XXXX XXXX XXXX XXXX  a total of {$2500.00}, and I have written verification of this debt. XXXX XXXXXXXX XXXX XXXX has not verified any additional collection account as claimed by ProCollect. 

The final discrepancy is that ProCollect is only reporting the incorrect debt amount of {$2400.00} to the credit bureaus. I assume, an attempt to collect the inaccurate amount first, and then, once paid, report the correct figure to the credit bureaus and collect on that verfied amount.
Product: Credit card or prepaid card

I have a dispute with a fraudulent charge on my Wayfair Citibank credit card. I submitted the dispute and closed the card. They determined I was responsible for the charge. In the documents they sent me informing me I was responsible it included documents from the merchant where this purchase was made. In the evidence it shows it was not me who made the purchases. It was a different name and different address. The evidence is clear that the card was stolen and even shows the information of the person who committed the fraud against me. I have made many attempts to resolve this with Wayfair Citibank credit services and they continue to bill me for this fraudulent charge.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following inquires from these companies on my credit report that are fraudulent - please remove them from my file : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 FACTUAL DATA - XX/XX/2022 XXXX : XXXX - XX/XX/2022 FACTUAL DATA - XX/XX/2022
Product: Checking or savings account

I am filing this complaint against Regions Bank due to their failure to process my direct deposit in a timely manner, their refusal to provide transparency regarding my internal complaint, and their unwillingness to track the missing deposit using an ACH trace number. 

On Thursday, XX/XX/scrub> 2025, my employer processed payroll via XXXX XXXX, and on Friday, XX/XX/year>2025, my payroll deposit was officially sent via ACH transfer. Every other employee who was paid on the same payroll cycle has successfully received their depositexcept me. The only difference is that I bank with Regions Bank. 

I have verified multiple times that my employer used the correct routing and account number, and XXXX confirmed that the funds were successfully processed and sent. 

As of Monday, XX/XX/scrub> 2025, Regions Bank still has not posted or even shown a pending deposit for my payroll. This has created financial hardship, causing me to nearly miss my mortgage payment. 

Details of the Issue : Regions Bank refuses to acknowledge the missing deposit I have contacted their customer support multiple times and they are unable to provide any answers as to why my deposit is delayed. 
Support representatives only tell me to " check back later, '' which is not an acceptable response for a missing payroll deposit. 
Regions Bank refuses to use an ACH trace number When I requested that they track the payment using an ACH trace number, Regions explicitly stated that " they do not use ACH trace numbers for deposits into customer accounts. '' This is NOT standard banking practicean ACH trace number is the industry standard method for tracking direct deposits and missing payments. 
Their refusal to use this standard tool prevents me from resolving the issue and accessing my rightful funds. 
Regions Bank refuses to provide transparency on my internal complaint I requested that they provide me with a summary of the complaint filed on my behalf, including a resolution timeline. 
They refused to send me a copy or summary of the complaint and told me that it was for " internal use only. '' As a customer, I have the right to know the details of a complaint submitted on my behalf. 
Regions Bank processes overdraft fees instantly but delays ACH deposits Regions Bank charges overdraft fees on weekends, yet they refuse to process payroll deposits during weekends, even when the deposit was sent before the weekend. 
This inconsistency in processing times disproportionately harms customers and creates unnecessary financial distress.
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft and request immediate action to prevent further unauthorized activity on my credit reports. As advised by my credit bureaus, XXXX, TransUnion, and XXXX, I am submitting this report to block the fraudulent accounts and protect my credit information. 

I discovered that my personal and financial information had been compromised, resulting in the opening of multiple accounts in my name. These accounts were not authorized by me, and I am unaware of the individuals or entities responsible for the identity theft. 

As advised by my credit bureaus, I am requesting that all these accounts be immediately blocked to prevent further unauthorized activity. I also request that all inquiries and credit applications associated with these accounts be removed from my credit reports. 

I appreciate your prompt attention to this matter, and I look forward to resolving this issue as soon as possible.