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

Money network is now XXXX  against me because of my XXXX. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXbranded credit card was moved from XXXX XXXX to XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.
Product: Credit reporting

i am filing this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you
Product: Debt collection

Today I received a notice from myfico that a new collection has been added to my credit report from Portfolio Recovery Associates. I never received any documentation in the mail to validate this debt, or give me a right to dispute. I have no idea what this debt is for. This collection is damaging my chances of owning a home, and obtaining any other type of credit.
Product: Mortgage

Our loan was paid off in full on XX/XX/year> via wire transfer to the bank listed on the payoff documents. We submitted proof from the attorney office of the wire transfer but Shellpoint has yet to post our payment. They have stated they switched banks and can not find payments to that account. We have made two payments on the loan since the payoff was submitted. Shellpoint instructed me to call the bank the money was sent to ( that was on their payoff form ) and ask they forward the funds to their new account, as if I have access to move money from a account that I do not own?! They then asked for bank statements showing the withdrawal from the bank after I already sent the wire transfer confirmation. The money came from the attorney so I do not have access to their bank statements. I have contacted the company multiple times via phone and email with no solution. The attorney has also emailed with no response. This is a nightmare. How does {$190000.00} not get accounted for?!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm reaching out because of the incorrect information on my credit report related to the account below : Account Name : XXXX XXXX  XXXX Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC 1681 s-2, State Emp CU of Maryland, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately. 
Thank you,
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I sent a complaint to you On XX/XX/XXXX. My complaint is about how my payments that I gave to XXXX XXXX XXXX were not applied correctly and when my loan was sold or transferred to another bank the loan balance transferred with an incorrect balance. I paid XXXX XXXX XXXX from XX/XX/XXXX to XXXX XXXX XXXX {$1200.00}. My balance never changed. See attachment. My complaint is the balance of my loan that was transferred. The new XXXX XXXX account # XXXX has previously stated that My loan was not sold to them that it was transferred. I have a copy of the letter that it was sold. I received a response about what happened, but not why my balance was never lowered after making over {$29000.00} of payments. XXXX XXXX XXXX did not send information that I paid in the year XXXX. Please help.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed a few fraudulent accounts, inquiries, and address reporting on my credit file. Ive been dealing with this issue for a good while now. Back in XX/XX/2023, i contacted the bureau regarding these issues and still nothing. I am extremely upset and frustrated because i am trying to acquire a home for me and my family of 4 but these fraudulent accounts and inquiries are hindering me from doing so.
Product: Debt collection

XXXX XXXX informed me that after the debt was paid off the debt would be removed from my accounts. Both accounts are still on there, and then they told me that they didnt receive the final payment even though Ive sent them proof of that final payment ( included ).
Product: Debt collection

In XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX Equifax sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you EQUIFAX the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. EQUIFAX is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. Equifax is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate information
Product: Mortgage

I was approved for a trial modification. I payed XXXX payments and it made it permanent. I sent my forth payment and it was sent back to me.I was promised loan modification documents after the trial XXXX days and now its been 60 days..I need help
Product: Debt collection

XX/XX/2020 Transfinancial XXXX This company continues to call, allow the telephone to ring twice and then disconnects. I'm not sure if it is a robo call or live representative. This is harrassing and it is really not an attempt to collect a debt. How if they are only allowing rings. By the time someone reaches the phone, they have disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 negative accounts reporting with Kohls Capital One. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment. <P/> I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due. <P/> Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high XXXX 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
<P/>
Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday, XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XX/XX/XXXX or XX/XX/XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
<P/>
Kindly assist me in doing this and advise me as to what I should do next.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

**Subject : Complaint Against XXXX, XXXX XXXX Transunion with CFPB and Identity Theft Report** To Whom It May Concern, I am submitting a formal complaint against XXXX through the Consumer Financial Protection Bureau XXXX CFPB ). Additionally, I have filed an identity theft report with the Federal Trade Commission ( FTC ) to address issues surrounding my credit report and unauthorized disclosures of personal information.

**Background Details : ** - **Account Number : ** XXXX - Over the years, I have made numerous attempts to correct inaccuracies on my credit report. This includes submitting updated information via letters dated XX/XX/XXXX, and XX/XX/XXXX, as well as making multiple phone calls to XXXX to ensure my information is current and accurate. 
- Despite these efforts, my credit report continues to show incorrect details, including an address I have not lived at for years. 

**Identity Theft Report Filed : ** I have completed an identity theft report with the Federal Trade Commission ( FTC ) to address potential unauthorized activities associated with my personal information.

**Specific Concerns : ** 1. **Disclosures Without Permission : ** I have spoken with my lenders, including XXXX XXXX, advising them that they did not have my permission to disclose late payment information, as this is not public knowledge. These disclosures are in direct violation of 15 U.S.C. 6802, which requires my consent before sharing non-public personal information.

2. **Student Loan Reporting : ** I have contacted the XXXX XXXX XXXX  requesting the removal of my student loans from my credit report, as this information is severely damaging to my financial stability. 

**Impact on My Life : ** I am a mother of XXXX, and the inaccurate and damaging information on my credit report has caused significant hardship : - I have been declined rental opportunities for apartments near my childrens school due to my credit history and debt-to-income ratio. 
- As a result, I currently drive four hours daily to get my children to and from school, which has caused me physical and mental strain, including XXXX. 
- My poor credit report has led to multiple credit denials, further limiting my ability to provide for my family. 

**Request for Resolution : ** I am seeking immediate assistance to correct my credit report, remove inaccurate information, and address the violations of federal laws related to the handling and disclosure of my personal and financial information. The continued inaccuracies and unauthorized disclosures are significantly impacting my life and wellbeing. 

Please assist me in resolving this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021 I was denied credit through XXXX XXXX XXXX, an Equifax disclosure report was utilized as per the proof in the inquiries section of the Equifax credit report. Attempted to call XXXX, the credit reporting agency makes it next to impossible to obtain a mailed paper copy of my report. XXXX XXXX XXXX  I do not leave the house, I want a paper copy. I already verified the denial of credit, my home mailing address matches the address of this complaint of : XXXX XXXX XXXX, XXXX, FL, XXXX.
Product: Credit reporting

I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions. 
I would like these medical bills removed from my account completely. The insurance paid what was agreed upon and now I am being billed what they think I owe. The main companies are XXXX XXXX XXXX and XXXX XXXX XXXX. 
Also, I believe that my credit score should be no less than XXXX from each of the reporting agencies after this issues are corrected because I have opened no new accounts and the XXXX accounts that I have are continually paid on time. 
Thank you.
Product: Money transfer, virtual currency, or money service

I have transferred {$1100.00} to XXXX by remitly on XXXXXXXX XXXX XXXXXXXX but still it did not transfer to my recipients account and they are not responding to me just they saying it will take 24 to 48 hours to be delivered but still it did not delivered already 6days are over and again they saying the same words it will take 24 to 48hrs. I told I want to cancel my transaction and refund my amount but they are saying it can not be cancel now
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and unverifiable accounts on my credit report, which Experian has failed to address despite my prior disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), Experian is legally required to conduct a " reasonable reinvestigation '' of any disputed information on my credit report. However, despite providing clear evidence supporting the inaccuracy of the disputed items, Experian has neither corrected nor removed them, leaving unresolved, incorrect data on my report.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, highlighting systemic failures, including failure to forward consumer-provided evidence to furnishers ( as required under 15 U.S.C. 1681i ( a ) ( 2 ) ), accepting unreliable responses, and not properly notifying consumers of the results of their dispute investigations ( as required by 15 U.S.C. 1681i ( a ) ( 6 ) ). These failures mirror my experience with Experian, where they have not taken appropriate action to resolve the disputed items despite the substantial evidence I provided.

As Experians failure to comply with FCRA requirements has caused ongoing harm to my credit standing, I request immediate corrective action to either remove or amend the disputed accounts in accordance with federal law and my rights as a consumer under 15 U.S.C. 1681e ( b ).
Product: Bank account or service

I HAVE BEEN AT BANK OF AMERICAN FOR OVER XXXX YEARS. MY ACCOUNT THERE HAS BEEN CHARGED FROM XXXX A MONTH TO XXXX IN FEE 'S. THE TRICK IS, I HAVE MONEY, I PAY A BILL, THE BILL IS PAID, AND MAYBE A WEEK LATER MY ACOUNT GOES OVERDRAWN XXXX, B OF A WILL TAKE BACK THE MONEY FROM WEEKS AGO, THE BILL I PAID NOW IS RETURNED, I AM CHARGED, MY ACCOIUNT COMES DELINQUENT, FEE 'S ATTACHED, SERVICES SHUT OFF, AND B OF A DOES THIS SO THAT XXXX OVERDRAWN AMOUNT THEY NOW CAN CHARGE ME XXXX XXXX, TOTAL XXXX THEY PAY THEMSELVES. XXXX UP MY ACCOUNT FURTHER, MORE FEE 'S AND I AM SO MUCH WORSE BECAUSE OF IT. 
I HAVE PAID OVER XXXX LAST YEAR ALONE IN SUCH FEE 'S. THEY BLAME ME, BUT 95 % IS THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Paid collectionXXXX XXXX Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$320.00} XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$340.00} Payment Status Collection/Charge-Off Worst Payment Status XXXX XXXX XXXX XXXX, XXXX  XXXX loan XXXX XXXX merchant XXXX XXXX
Product: Checking or savings account

My account was closed so a check for my tax refund was sent to my address. The check ( and other mail ) had been gone through and the check was damaged. I reached out to credit karma on XX/XX/XXXX to have another check reissued. The representative I spoke with assured me that a new check would be issued and Id have it within XXXX business days ( as well as a tracking email one mailed ). I have reached out to them numerous times because I have not received the check, which they say they will escalate. Its been close to a month and I still do not have those funds. I did reach out XXXX XXXX for assistance who said they would try to assist so Im hopeful with them. I have been provided with 2 case numbers XXXX and XXXX. Hoping someone can help
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ML XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Mortgage

On XX/XX/2020 I attempted to create an online account with Wells Fargo to view my mortgage payment history but was prevented for security reasons. It took me over an hour on the phone to determine why. Wells Fargo 's system erroneously populated a disconnected phone number associated with my co-signer on her old satisfied loan. I was told I'd have to wait for a letter via US mail to grant me access to my information and history online. 

I waited 10 business days and never received it. 
I contacted Wells Fargo again via their website. 
I never received a reply. 

If and when the Post Office loses my mortgage statement, I should be able to access MY information online and not spend hours on the phone with Wells Fargo staff.