23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Equifax : XXXX Account Number XXXX XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX  Reported Balance {$0.00} Date Opened XXXX XXXX, XXXX XXXX  Account Number XXXX  XXXX Reported Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXX XXXX : XXXX XXXX # XXXX Balance {$2600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX  Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX TAB - XXXX XXXX Acct # XXXX Balance {$0.00} XXXX XXXX : XX/XX/XXXX XXXX Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Acct # XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXcct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Acct # XXXX Balance {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX  Balance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX. 
Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX Acct # XXXX Balance {$2600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX Date Opened : XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

This has been ongoing. I purchased this car XXXX of last year. I have made at least XXXX payments that were returned but I corrected them and I paid the return fees, late fees and miscellaneous fees. The miscellaneous fees will not XXXX what the fee is for. I don't know why I'm receiving these fees. When I asked about them I can't get a straight answer.Since then I have been receiving late fees and incorrect postings of my payments. I've received different answers regarding my inquiries with each individual I speak with. I have never been over 30 days late paying on my car note. But I recently saw that I have a credit report of a XXXX late. I have called and tried to resolve this ( XX/XX/year> ) with them but I was put on hold forever and then finally they hung up ( supervisor ID number XXXX XXXX ). I spoke with supervisor XXXX XXXX ID number XXXX on when I called back. He wanted to put me on hold again but I told him no I had already been on hold for XXXX minutes and I wasn't about to hold again. He stated he didn't see where I was late over 30 days and he would forward it to accounting for review to audit my account. I asked him if he can send me a copy of that audit and he stated he would have someone call me and discuss it with me. That's not good enough I want him to send me a copy I am entitled to a copy of that audit. 
At times they would tell me everything is going to be good they don't see it where it should have been reported and they're going to clear it up but every time I call back they say the same thing and it never happens. I am trying to clean up my credit due to a recent bankruptcy and this is driving me crazy. No one at the company is taking me serious. This is holding me up for things I need to do and this is the only thing that's holding me up. I have late fees throughout my account that should not be there and other fees. But I can't get them to clean that up either. Some of my payments are being put toward interest and none toward principal. When I purchased the vehicle it was XXXX some odd dollars. It is almost a year later and I owe {$30000.00} in some odd dollars. Something's not right. I have caught a lot of the customer reps in lies about my account. It's like they don't know what's going on. Please help.
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is showing and. open account with a balance when it's been paid for over 2. yrs with a XXXX balance and is closed. They agree it's been paid but say they have no idea why it's still reporting with a balance on my credit report. 
I want it either removed or updated to correctly show a XXXX balance and closed account.
Product: Checking or savings account

On Thursday XX/XX/2024, I bought XXXX ( XXXX ) and attempted to transfer it to another wallet. Robinhood restricted my account and requested my latest statement from my checking account used to deposit funds. I complied on Friday XX/XX/2024 and they proceeded to ask me a lot of questions regarding my knowledge on cryptocurrency and whether or not it was me trying to transfer the crypto out of my account. I answered all the questions and confirmed it was me and that no one was forcing me to send money out of my account. On Monday XX/XX/2024, Robinhood informed me that they made the difficult decision to close [ my ] Robinhood account ( s ). Since then, I sold the bitcoin ( XXXX ) in my account and attempted to withdraw my funds and have not been allowed, since my account is restricted. I contacted someone from their support team on Tuesday XX/XX/2024 and they informed me that All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. I am concerned as to why they would hold my money without allowing me to withdraw. This is theft. It is my money. They have not provided reason for account closure nor the reason for refusing to allow me to withdraw my funds.
Product: Vehicle loan or lease

Since XXXX of 2020 I have been trying with BMW to get a payment made on XX/XX/2020 posted to my account. I have called them numerous times and I have not gotten any results. they are still researching it. It is now XX/XX/2020. 
I spoke to XXXX  today in collections at BMW finance and he said that he could not locate the payment. He said my request is still open. On XX/XX/2020 I spoke with BMW Finance and was told to send a copy of the proof of payment from my bank to XXXX. I also faxed the proof of payment to BMW Finance on XXXX XXXX and spoke to XXXX who told me to fax it and it would be resolved within 48 Hours. See attached. The proof of payment shows that the check was sent by my bank on XX/XX/2020, that expected delivery would be XX/XX/2020 and that the check was cashed on XX/XX/2020. I keep being told by BMW finance that this was to be resolved with 48 Hours. That never happened. 
Also on XX/XX/2020 spoke to XXXX  at BMW Customer escalations and he said that there is an SR open looking into the complaint. XXXX looked again and found my faxed proof of payment but still could not confirm that the payment had been applied to my account.
Product: Checking or savings account

Puppy purchase. XX/XX/2023. Seller named XXXX. Phone number XXXX. Exchanged phone calls and text messages. Was instructed to pay via Zelle to email address : XXXX under the name XXXX XXXX. I made the payment as instructed. The Zelle record matched the information I was given by the seller ( XXXX ). My Zelle transaction number was XXXX. XXXX let me know he did not receive my payment and instructed me to cancel this payment and send payment to a different email address ( XXXX, name=XXXX ) XXXX I contacted XXXX XXXX and was told it is impossible to cancel a Zelle transaction. XXXX proceeded to tell me that these email addresses are temporary and are only valid for limited periods of time. I filed a dispute with XXXX XXXX and the transaction is under investigation. I filed a complaint with Zelle as well. I do not know the status of the complaint I filed with Zelle. The Zelle feature is built into and included within my XXXX XXXX app on my phone. If Zelle transactions can not be reversed, verified as valid accounts, etc., I don't think XXXX XXXX should encourage use of same.
Product: Student loan

I took a {$40000.00} student loan from Wells Fargo ( formerly XXXX ) in XX/XX/XXXX. I started making repayments, over and above the suggested regular payments, from late XX/XX/XXXX and had repaid roughly {$30000.00} of the then {$46000.00} principal by late XX/XX/XXXX. I haven't made any repayments since XX/XX/XXXX ( ie, for more than eight years now ) because the next suggested repayment date after my last repayment in XX/XX/XXXX was  XX/XX/XXXX and I was under the impression that interest would not accrue on the remaining principal of about {$16000.00} while I am not making repayments. The online statements available on Wells Fargo website also did not show any accrued interest, which confirmed my view. However, when I recently dug into my loan details, I figured out that interest had been accruing and amounts to a whopping {$5700.00}. This takes my total outstanding obligation to more than {$22000.00}. 

I called Wells Fargo customer service on XX/XX/XXXX and requested them to consider waiving off the accrued interest because I was misled by online statements. The customer service rep registered my case and assigned a Wells Fargo analyst for follow up. The analyst did follow up on XX/XX/XXXX but could not offer any relief and my outstanding obligation remains at more than {$22000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax this was put on my credit report my question is why are you reporting to XXXX this this the third time you refuse to answer the question. three times I have asked three times you have dodged the question next I will file with the FTC validate this
Product: Credit card

XX/XX/year> {$1500.00} sent to debt collectors LOCKHART MORRIS & MONTGO XXXX XXXX XXXX  sent my debt to a debt collector without my notice. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to TransUnion via telephone, chat, and attempted to remove an anuathorized credit inquiry. This was completed by XXXX. XXXX reported this was done fraudualetly and reached out to TransUnion. TransUnion locked me out of my own account and has yet to remove the fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background check is incorrect I have not been XXXX XXXX XXXX XXXX it was reduced to XXXX  XXXX  XXXX in 2014 also other charges XXXX county were mother who went to XXXX
Product: Credit reporting

The creditor named on my credit report, does not own the debt and can not offer me any means of satisfying or paying the mentioned line item or debt. This is illegal. Any company who lists a line item on someones credit report, MUST BE the company that can accept payment or other means of satisfying the debt. how can i fix something, if they do not offer me a means of doing so. Creditor Name is a VERY IMPORTANT THING lol this is not to be taken lightly. This would be like naming the wrong person in court, the case would be immediately dismissed. The wrong creditor name is a very important part of the terms of the mentioned debt
Product: Debt collection

Date - XXXX / Amount - {$720.00} / Violations of 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S. Code 1681 ( b ) Permissible purpose / 15 U.S. Code C-2 / 15 U.S.Code 1681 for assertions/ Legal documents, Letters of Cease and DEsist / XXXX XXXX XXXX XXXX XXXX XXXX XXXX were sent and issued to XXXX XXXX, never received proper legal Notice of debt within XXXX  days / Never was sent the name and address of Original creditor / Never sent statement informing me they were assuming the alleged debt to be mine / illegal third party debt company without my permission as an authorized to report alleged fraudulent negative debt to all XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX & XXXX XXXX
Product: Credit card or prepaid card

I mailed an escrow check for {$16000.00} on XX/XX/XXXX. I called on XX/XX/XXXX because the title company said the check had been cashed and it still had not posted to my account. I was told I had to wait XXXX days for it to post. 

I called again on XX/XX/XXXX and spoke to XXXX. She said she could create a Complaint Number ( XXXX ) but didn't do anything about the fact that my payment was due that same day. 

I called again on XX/XX/XXXX and spoke to XXXX. She created an Investigation Number ( XXXX ). At this point I had been charged a late fee and additional interest charges for the payment which was due on XX/XX/XXXX. XXXX said I needed to may a payment which I refused to do since I had sent a large check well in advance of the payment due date. She connected me to a manager upon my request. I talked to the manager XXXX, and explained that I refused to pay extra when it is the companys fault the payment is missing. I was told she could waive the interest and late fee once " to give more time to investigate the missing payment. '' I also sent her an email with a picture of the check I had sent to XXXX with the subject line " XXXX. '' As soon as I was off the call with XXXX, also on XX/XX/XXXX, I requested copy of the cashed check from the title company. 

I called again on XX/XX/XXXX for update on the investigation. I was told it was " still in processing '' and had not eve been assigned yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes with Experian about this debt collection XXXX XXXX XXXX two accounts. First one is # XXXX and second is account # XXXX. FRCA requires that you are consistent, complete and accurate across the board with every consumer reporting agency is reporting the same thing in each account. I just showed you how you did not verify this on Acct # XXXX XXXX XX/XX/2025, Experian has XX/XX/2025, and XXXX has XX/XX/2025 and Second acct # XXXX XXXX has XX/XX/2025, Experian has XX/XX/2025, and XXXX has XX/XX/2025. All three can't be accurate if you going by date of first delinquency. From my understanding a collection account are not supposed to include a payment history because This XXXX XXXX XXXX claiming a historical payment is falsely representing to my relationship with them. They can not report any payment history on the accounts from the alleged original creditor before, them. A collection is by default derogatory this goes without say. Please delete from my credit report immediately. Please note for these accounts I have disputed, unless every piece of inaccurate and missing data is filled in and every inconsistency, and every error is accurately fix or delete accounts entirely
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies from this credit agency as well as XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account number # XXXX are violation of several laws. 
15 U.S. Code 1666b - Timing of payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Since this credit agency has stated they have verified that these late payments are validate this means they have the certified mail green label receipts to show the company XXXX XXXX XXXX has followed the law of 15 U.S. Code 1666b - Timing of payments in order to report late payments on my credit report without this proof from the credit agency and reporting creditor these late payments are fraudulent and against the law to be on my report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 
As well as the following Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX  several times to have the information being reported removed as it is reporting inaccurately. I have given several chances to have the information verified and proof shown and this has not happen. First letter went out XX/XX/2021, second went out XX/XX/2021 and third went out XX/XX/2021 and all I have received is that the information was completed over the phone which does not show contractual proof the debt is mine.
Product: Debt collection

this collection was removed and then added back to my report which is illegal to do so. Ive already disputed this debt as not mine and should be taken into consideration and removed from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX  and they have no record of this inquiry. XXXX  reporting this falsely and providing written proof per my letters