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

I Requested validation of debt from Experian after unsuccessfully reaching out to creditor ( XXXX XXXX XXXX XXXX ) via certifed mail which was return.

After sending certified, return receipt letters to Experian on XXXX2019, which they received on XXXX19, reporting that there were inaccuracies on my credit report in the claim I have a charge off and I would like some type of verification, I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XXXX19, which was received on XXXX19 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed immediately.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my consumer report, I noticed incomplete and unverifiable information. 
Please modify this information to report accurate information.
Product: Credit reporting

Hi! hope you can help me. I just arrived to XXXX last year ( XXXX XXXX ) with a XXXX, that allows me to have a SSN, wich I get from my local office. Everything goes well until this month when Im trying to get a credit for a new house and my bank is telling me that they cant give me a credit because my SSN have bad background due to some phone bills back on XXXX and XXXX, that I was dont even here at the country. I went to the SS office and I dindt understand what should I do in order to correct this!, I really appreciatte if you can give me some advise regarding this issue. Thank you very much!!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST 4 XXXX ), Consumer Date of Birth : ( Private DOB XXXX ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of Loan account and multiple inquiries. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned Charge-Off account and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax this is your final notice to DELETE those charge offs XXXX XXXX XXXX and XXXX XXXX XXXX of my consumer reports!! 
You have been holding this account more than 30 days. 
I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!! 
18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED. 

15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. 
Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal dispute and complaint under 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) and 15 U.S.C. 1681i due to Equifaxs failure to properly investigate and correct inaccurate information on my credit report. This negligence has adversely affected my financial standing.

Equifaxs Noncompliance with the FCRA and Recent CFPB Enforcement Action On XX/XX/year>2025, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to conduct proper investigations of consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence submitted with disputes. 
Allowed previously deleted inaccuracies to reappear in credit reports. 
Provided confusing and conflicting communications to consumers regarding dispute investigations. 
Used flawed software, resulting in inaccurate consumer credit scores. 
These findings are detailed in the CFPBs press release : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors.

Violations of Federal Law by Equifax Equifax has violated the following provisions of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Equifax is required to conduct a reasonable reinvestigation of disputed information within 30 days. Despite my disputes, Equifax has not fulfilled this obligation.

Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) If a disputed item can not be verified, Equifax must promptly delete or correct the information. The continued reporting of unverified information violates this provision.

Negligent Noncompliance ( 15 U.S.C. 1681o ) Equifaxs failure to exercise reasonable care in handling my disputes constitutes negligence, making it liable for damages.

Disputed Accounts & Inaccuracies The following inaccurate accounts remain on my Equifax credit report :XX/XX/XXXX ( Account Number : XXXX ) Incorrect 30-day late payment reported. 
XXXX XXXXXX/XX/XXXX ( Account Number : XXXX XXXX ) Charged-off account not properly verified. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX ( Account Number : XXXX XXXX ) Discrepancies in reporting balances and payments. 
Formal Demand for Corrective Action I request that Equifax : Provide all documentation used to verify the accuracy of the disputed information.

Correct or delete any information that can not be verified, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Respond in writing within the legally mandated timeframe.

Provide written confirmation of any changes made to my credit file.

Notice of Legal Escalation If Equifax fails to comply with its obligations under the FCRA, I will pursue my rights under 15 U.S.C. 1681o, including seeking damages for negligent noncompliance.

This letter serves as official notice of my dispute, and I expect Equifax to handle it with the utmost seriousness and in compliance with all legal standards. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have 2 collections that are all not me and are identity theft t showing up on my XXXX  report. LVNV FUNDING LLC ( 2 separate amounts ). I keep getting phone calls from these companies multiple times a day threatening to take me to court I do not owe any of them any money. I asked them many times to show me the proof as to why they think I owe them money. XXXX has already removed these erroneous collections off my report since it is not mine. When I talk to these companies on the phone most recent phone conversation was XX/XX/2022 where the lady on the other end was very rude demanding I pay her after I explained I do not owe any money and if you can show me the proof you even have the right person they hung up on me.
Product: Money transfer, virtual currency, or money service

When cashing a check that is drawn on  US  Bank by a non account holder, the bank branches avoid and or refuse to give a receipt for the {$7.00} check cashing fee. They claim that their system is not set up to generate a receipt for the fee. It appears that they are not keeping proper records to report income from check cashing fees collected. I also feel that the fees themselves are an intrusion in the execution of a contract between  XXXX  people.
Product: Debt collection

I received a demand for payment from a company requesting payment in the amount of {$1500.00}. I have not ever received any services from this company.
Product: Mortgage

My wife and I worked hard applying, communicating, and getting the insane amount of documents submitted to XXXX XXXX to be preapproved for a home loan. I was preapproved and soon after, on XX/XX/XXXX with XXXX XXXX with Empire Home Loans, I was excited to put an offer in on a home. It was a perfect fit for my wife and XXXX XXXX XXXX daughter. I sent an email that night on XX/XX/XXXX. I didnt hear anything and didnt want to lose the house so I sent a text in the morning of XX/XX/XXXX. She then sent me an email saying she received my email after XXXX and text, and that my wife and I should seek out a different lender and it was a pleasure working with us. She dropped us the moment I wanted to put an offer in. I have the entire email chain and screenshots. The loan preapproval was for XXXX. I begged her for mercy since she was the only person we applied with and had our entire portfolio which was truly so much work to get put together. She sent a follow up email laying groundwork on what we can do to continue working with her. I didnt get the house , and sought out a different MLO. Its one of the most malicious things my family has ever been through.
Product: Mortgage

I began a refinance process in early XXXX. My goal was tocombine my first and second loans with a good interest rate. 
I had been receiving adds from Nationstar Mortgageregarding their no appraisal fee or closing cost packages, and since I had a relationship with them, I called them first. 

I was offered a good interest rate but with a 30 year loan. Idecided to proceed. It was an endless process. I was askedto resubmit a loan rate lock weekly, then seemingly moreso ; eeach time with different numbers. My fianc is a financeperson by profession and would point out issues with thenumbers to me and I went round and round with Nationstaruntil we finally came to an agreement and set up a closingdate for XXXX XXXX. I was to bring funds to closing topay for an XXXX XXXX card. 

Late XXXX XXXX I got a call that the underwriters wanted anew homeowners ' policy as the one that I allowed them toplace for me would not suffice for the refinance package. 
Really, three month 's later they discovered this? Admittedly, I did not know not did Nationstar advise me that this cheaperpolicy that they offered was not really a great idea in the long rrun for me. Frustrated, I set up a loan policy but needed toset up my other homes with this company as well, so it wasquite a process! 

When I contacted Nationstar regarding the new policy I wasadvised that I had to start the process again but reassuredthat I would get the same terms. Again I was asked to redothe rate lock over and over and each time with bad numbers. 
The loan was supposed to cover the payoffs of the XXXX loans ( roughly {$86000.00} ) plus closing costs, with credit for escrowfunds paid ; leaving a loan total of {$88000.00}. Nationstar keptcoming up with a {$90000.00} loan plus money to bring to closing. 

By the end of XXXX I began to demand a closing date. Ithen received an email from an underwrited, XXXX that sheneeded Shedule E of my tax returns ( which she had ). Myloan processor apologized for her, then began to whineabout my XXXX hour workweek and how it meant that I needed tto bring more money to the table or wrap it into the loan tocover other minor bills ; most of which I had paid or about topay off. In addition I had submitted my XXXX balance ( decent ) to help with my debt to income ratio to helpqualify for the loan package that I wanted. 

Then to top it off he threatened to want to dealve into myfianc 's finances which would have not been an issue in thebeginning of this process but ridiculous at this point. Whynow??? 

I am totally frustrated by the incompetence and lack ofprofessionalism on behalf of Nationstar. I feel that onlyone agent ( XXXX ) knew what he was doing and that hebecame embarrassed by the botched process inearly XXXX and has been in the background since. 
I feel that Nationstar has been a disservice to me and Iam trying to get away from this company as fast as I can!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I inadvertently applied a payment to my daughter 's Kohl 's account instead of my own. The minute I found out about it ( when I got my daughter 's bill showing a credit ), I contacted them. I asked if they could transfer the money and they said they would take care of it. Had they told me what a headache it was going to be I would have just double paid, but I believed them when they said it would be done. When I got my next bill reflecting the money had not transferred, I contacted them again. Again they promised it would be resolved and I would not be reported as being late on my credit report. Multiple times I was contacted by them and I contacted them as well, to resolve this matter and repeatedly was told it would be resolved and my credit history would be restored. I called on XX/XX/XXXX and determined everything had been resolved and asked that they let me know when I could expect them to get my credit rating fixed ( my son, who is on the account with me, gets his credit score free every month from a different credit card he holds and the score had dropped XXXX points ). They said they would look into it and get back to me. I called again the following day only to be told that it was my fault and the credit would stand. I was then told to send a letter, which I immediately did ( attached ). I got their response on Saturday telling me that they would n't fix it ( also attached ). 
I take phenomenal care of my credit rating and have NEVER, EVER, been late on a bill. If they had just told me to start with, again I would 've just double paid it. During this entire time I kept my daughter 's credit card paid in full ( as if the money I did overpay was never there ) to avoid interest on her account. During all this Kohl 's credited me the late fees and interest fees, but somehow still feel it 's my fault they could n't fix it. I want my ( and my son 's ) credit restored.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding the {$300.00} sign-up bonus offer that was promised to me upon opening a new Wells Fargo consumer checking account in XX/XX/XXXX. My account number is [ Your Account Number ]. 

When I opened my account in XX/XX/XXXX, I was assured by Wells Fargo representatives that I would receive a {$300.00} sign-up bonus after meeting the necessary criteria. I called Wells Fargo in XX/XX/XXXX to inquire about the timeline for receiving this bonus and was informed by a representative that I was indeed eligible for the bonus and would receive it in XX/XX/XXXX. 

On XX/XX/XXXX, I called again to check the status of the bonus, only to be told that I was ineligible because I supposedly have an existing account with Wells Fargo. The last time I held an account with Wells Fargo was in XX/XX/XXXX, well over the XXXX eligibility period outlined in your terms. 

Here are the relevant terms of the bonus offer : You are not eligible for this offer if : You are a current primary owner of a Wells Fargo consumer checking account. 
You have received a bonus for opening a Wells Fargo consumer checking account within the past XXXX XXXX. 
You are a XXXX XXXX XXXX 
Based on these terms, I should be eligible for the bonus as : I am not a current primary owner of a Wells Fargo consumer checking account ( my last account was closed in XX/XX/XXXX ). 
I have not received any bonus for opening a Wells Fargo consumer checking account within the past XXXX XXXX 
Although I am a former XXXX XXXX XXXX, my employment ended in XX/XX/XXXX, and your terms only disqualify current employees from receiving the bonus. 
I have also met the requirement of receiving a total of {$1000.00} or more in qualifying electronic deposits to my new checking account within the XXXX qualification period. 

Given that I have adhered to all the terms and conditions of the promotion, I am entitled to receive the {$300.00} sign-up bonus. I am highly disappointed with the misinformation and inconsistent communication provided by Wells Fargo XXXX, which has led to this unfortunate situation. 

I kindly request that you investigate this matter promptly and credit the {$300.00} sign-up bonus to my account. Should this issue not be resolved to my satisfaction, I will consider escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

I look forward to your prompt response and resolution to this matter.
Product: Prepaid card

I tried to use a prepaid American Express card with {$350.00} on the card. I was using this card to pay for an oil change and filters and wiper blades at XXXX XXXX XXXX in XXXX XXXX, on XXXX. The amount of my bill at XXXX XXXX XXXX was {$300.00}. The lady in the service department ran the {$350.00} American Express card and the card was declined. I had another American Express card with {$200.00} on it. I gave that to her to pay for my services at XXXX XXXX XXXX. She ran the card and this card also was declined. I had to use my XXXX XXXX debit card to pay my bill. It was very embarrassing for me to have XXXX  American Express cards declined. When I arrived back home, I called the toll free number on the back of both American Express gift cards and the cards had a balance of {$350.00} and {$200.00} on them. It's frustrating that I could not use these cards when they both had a {$350.00} and {$200.00} balance.
Product: Credit card or prepaid card

An account was opened in my name and countless transactions were made between  XXXX   XXXX  and  XXXX   XXXX . The charges were over {$30000.00}. I have been unsuccessful in attempts to ge t Capital One to resolve this issue. Capital One  was sucking money directly out of my  XXXX  account. I am trying to recover as much money as possible. A police report has been filed.
Product: Checking or savings account

On XX/XX/XXXX I was contacted at XXXX by XXXX XXXX XXXX  regarding an overdue bill due to a new debit card being issued. I paid the bill immediately via phone using a credit card. 

At XXXX at the end of the business day, I received a phone call from a person in a call center who had my account information, name phone number and stated the electric company was at the box in the front of my apartment complex waiting to shut off my electricity if I did not pay immediately. they said I must pay via XXXX because my payment from that morning was declined. 

They also stated that I was farther behind on my bill than I had been informed because a new billing cycle was coming around, and that I owed {$1000.00}. 

They had me process 3 XXXX transactions from my USAA checking account in the amount of {$420.00}, {$420.00}, and {$110.00} in a row to bring my account up to date. 

I immediately called USAA and tried to stop the transactions realizing that it did not make any sense, but the money was already gone. USAA states they were not able to recover the money from XXXX. 

I called USAA again on XX/XX/XXXX and was told that the results of the 30-45 day investigation found me to be responsible and that they would NOT protect my transaction error. I escalated the dispute but did not hear back. 

I called USAA again on XX/XX/XXXX, citing Regulation E regarding XXXX XXXX  and they stated again that they would not refund my account but would send my request to a person to call me back within 3-5 business days. 

I informed them that the regulation CLEARLY STATES they are responsible for protecting me as the consumer, and they are still refusing to refund my money. I informed them on XX/XX/XXXX that I would be filing a complaint with the CFPB.
Product: Debt collection

I spoke to XXXX on multiple occasions to fix debt amount and let her know we are working with a company to pay back debt amount which is for {$8700.00}. On XX/XX/XXXX she called my work number and I answered and told her not to call my job, she said she was calling me job to let me know that I was not working with them to pay back debt. She then said she was going to contact my husbands job since he did not answer their initial phone call. That was after I told her for the second time to not call our jobs. This is through company IQ Data. Their phone number they used to call me was XXXX XXXX XXXX XXXXXXXX, they used a different phone number to call my job XXXX XXXX XXXX XXXXXXXX.