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

Ive disputed this account with Experian for reporting several inaccuracies of payment history on my consumer report with them. Instead of removing and/or updating payment history, the original creditor XXXX XXXX XXXX XXXX XXXX XXXX account # : XXXX ) has just updated the alleged balanced owed. In accordance of U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Ive made positive payment history that has not reflected on this account from XXXX. This creditor has violated this law, fraudulently reported inaccuracies on my Experian consumer report, not taken the lawful steps to correct these inaccuracies, and has caused many headaches in my goals to repair my credit history.
Product: Credit card or prepaid card

I am currently on a 60 month hardship program with my Zales account. Under terms of the program, my monthly payments are XXXX a month. The account shows a payment in the amount of XXXX due on XX/XX/XXXX, payments are scheduled out for six months for XXXX each. I believe my monthly payment should show XXXX due, not XXXX. A payment in the amount of XXXX was made as an ACH on XX/XX/XXXX and returned on XX/XX/XXXX, it does not appear that payment went through ... I made another payment in the amount of XXXX as a replacement for this payment on XX/XX/XXXX, I do not see it returned as of yet. There appears to be an error with payments withdrawn from my account, the initial payment was returned the same day on XXXX was assessed on XX/XX/XXXX in the amount of XXXX which is a late fee and on XX/XX/XXXX, a finance charge in the amount of XXXX. Please note, the terms of the program also state there is no interest/finance charge. Needless to say, these fees are questionable as there is an error in withdrawing payments and terms state there is no interest.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute several unauthorized inquiries listed on my credit report. Upon reviewing my report, I found inquiries from the following lenders that I do not recognize and did not authorize : XXXXXXXX XXXX XXXX- BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries are negatively impacting my creditworthiness and should be removed as they are not associated with my consent. I kindly request that you investigate this matter and remove these inquiries from my report. 


Thank you for your prompt attention to this issue. I look forward to your response. 


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

They are allowing XXXX XXXX to report late payments monthly on a debt I do not owe them. I have never done business with them nor agreed to payments. This is also unlawfully extending statute of limitations on original debt that was never verified or validated. 

False statement and representation : Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )
Product: Debt collection

XXXX XXXX XXXX XXXX has broken the law UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE XXXX XXXXXXXX XXXX XXXX MY REQUEST TO RELEASE INFORMATION TO YOU ACCOUNT RESOLUTION CORPORATION I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( XXXX ) Under the health insurance Portability and Accountability Act of 1996 ( HIPPA ) I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting COPORATIONS. 

Please send above requested information to the address above. 

This complaint is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt.
Product: Debt collection

Account Name : ONEMAIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Mortgage

NationStar Mortgage acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015 with the assistance of a Foreclosure Trustee named XXXX. The direct violation of XXXX law is based on NationStar Mortgage improperly and unfairly reviewing our loan modification request for relief which was never processed by them because they lost the file and all documents. I submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times at no avail. In addition, NationStar Mortgage has repeatedly denied us help several times and we never get a single person or SPOC to answer our questions honestly or directly. They always have several of their reps pass off our file amongst each other just to create delays. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. We intended to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. NationStar Mortgage Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They simply wish to foreclose and kick us out onto the streets. They have clearly violated XXXX specifically under the " dual tracking '' clause.. Now NationStar Mortgage instructed and allowed the Foreclosure Trustee named XXXX to illegally start foreclosure on my property. NationStar Mortgage. So there no valid or justifiable reason why NationStar should have denied our request or started foreclosure on our home. As a foreclosure avoidance option, we hired a RE Agent Named XXXX XXXX at XXXX XXXX to handle and start a short sale. We accepted an offer and now NationStar refuses to accept the offer that she submitted in early XXXX of 2015 and said they will continue with the foreclosure sale. The sale is still set and they wont stop it to process the short sale which is wrong and illegal.
Product: Checking or savings account

This is a two part complaint, the first part is that I had a {$36.00} overdraft fee charged to my account on XX/XX/XXXX despite the funds to cover a transaction having posting to my account. 
The second part is that I had an issue with XXXX pulling money from the wrong account, and despite BB & T knowing that it wasnt intentional and me offering to pay the negative balance minus the fees, they refused to waive the {$610.00} in overdraft and returned item fees.
Product: Credit card or prepaid card

In XX/XX/2020, I paid in advance for a product from XXXX XXXX. XXXX failed to deliver the product. I requested a refund on multiple occasions. XXXX refused to refund my money. I raised the concern with American Express. Inexplicably, AmEx sided with the vendor despite the fact that I was charged for a good I did not receive and the vendor admitted in writing to AmEx that it did not provide the good. 

Instead of responsibly resolving the matter, XXXX has engaged in ad hominem attacks, misstatements of fact, and defamation. All of this evidence has been provided to AmEx. I attach a portion of here as well. 

AmEx should find in my favor and refund my money in full.
Product: Debt collection

XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX   XXXX XXXX, IA XXXX Complaint Against : BANK OF AMERICA N.A , Servicing Bank XXXX XXXX XXXX XXXX XXXX, NC XXXX Reference Account : XXXX XXXX Account # XXXX XXXXXXXX XXXX MIN # XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX NOTICE TO RELEASE ACCOUNT INFORMATION Under Fair Debt Collection Practices Act, you hereby ordered to release the account followings account # XXXX information, under your servicing : 1. Any copy Default letter sent to homeowner regarding Loan account # XXXX from to XXXX to XXXX, during your servicing. 

2. Copy of the written authorization by note holder to start foreclosures XXXX and XXXX. 

I will appreciate your cooperation in this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX
Product: Student loan

I applied to MOHELA for the Save/IDR plan on XX/XX/year>. They never processed my application. Repeated calls to MOHELA failed to get them to process it. Now that this plan is blocked by court action, payments are becoming due. These payments are not SAVE Plan payments but 3 times higher. I should be in the Biden administrative forbearance with no payment due and no interest.
Product: Checking or savings account

Non payment by Wells Fargo Bank of a {$2500.00} bonus for opening a Premier checking account for at least {$250000.00}, and maintaining for at least 90 days.

See advertised offer below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My chime secured credit builder card was stolen and XXXX plus dollars was stolen and used with XXXX rides and I even talked to XXXX and they looked into it and said that it was used by some one who was not me and they blocked the persons account. When I disputed the first time with chime, they didn't even investigate before immediately denying my dispute, so I opened a rebuttal and provided the conversation with XXXX that proved my card was being used by someone else. And I spoke to 2 different dispute agents that both agreed that I have provided enough information to satisfy the investigation team and said I would be getting my money back, only for them to decline it again!!! When I called back they said they were not going to reopen it unless I had new information and I told them I uploaded literal proof how can they deny me? I need that money to survive. It was all my income for the month and they are wanting to fight me on giving it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX XXXX : account number XXXX XXXX XXXX : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act., XXXX XXXX and Experian has violated my rights. 15 USC 1661 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove the listed account immediately Account name : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with XXXX XXXX. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX  XXXX The account is reported as Past due {$1100.00}
Product: Mortgage

After I paid in full my mortgage with dtech financial I requested the refund of my scrow account. The mortgage was paid in full on XX/XX/2018 and XXXX confirmed on XX/XX/2018 that a check of {$2800.00} dollars was issued already. Three weeks later the check was not received and I contacted again dtech customer service for an update. I was told that they have no control over USPS as the check was mailed already. They offered the possibility of making a direct deposit if within a week the check was not delivered. A week later I called again and at this time I was told that dtech does not make any direct deposits to reimburse scrow balances. I was ensured that a new check was going to be issued and delivered within 5 to 10 business days. Today I have been told that the check has not been issued yet. This situation is unacceptable from a financial institution who will not hesitate to charge you fees if you do not pay your morgage on time. However they have the luxury to play with customers money and blame the postal office when the checks mysteriously disappear.
Product: Credit reporting

the amount owed on my credit report is not correct. the amount shown owed is {$160000.00} on a rental property I have asked to have this amount adjusted by XXXX XXXX but they have refused. to my knowledge I owed 1 to 2 months rent which should be equaled to about {$1600.00}.
Product: Debt collection

I was paying on the account prior to it being turned over for collections. I feel this is a negative remark on my correct and I ask them to validate the debt with signed documentation and the indebtness of my signed agreement with the creditor. I feel because I was never given a written response under the FDCPA that my rights as a citizen has been violated under the FDCPA. Please produce sign doctuments and debt charged or have the account terminated which is barring on my household and affecting my credit.
Product: Credit reporting or other personal consumer reports

Experian is reporting a Fraudulent account on Experian credit Report. The Fraudulent Company Name : XXXX  XXXX XXXX Account Number # XXXX Date : XX/XX/year> Amount : {$1900.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has resulted in unauthorized accounts and inquiries being opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report : Accounts to be blocked and deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All the potentionally negative credit in my report from experian is from more than 7 yrs old. They keep updating the date fraudulently, when all of them were more than 10 yrs ago. I called experian and the gentleman that took my call told me many thing which would make me loose my rights under the law. I felt that the credit company was sponsoring to commit fraud to the consumers ( me ).
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I did a claim with Wells Fargo because I saw that XXXX dollars were deducted from my account through XXXX the bank closed my account and gave me a new one but they say my claim is denied because the transaction was done through my phone which I didnt I dont know who that person is they say that there is nothing the bank can do that I lost that money its stressing to not get my money back when I didnt do anything wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for student loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance but credit report didnt fully investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown inquiry hit my Equifax report that I did not apply for. I believe it to be XXXX. 

The inquiry supposedly came through on XX/XX/21. 

I reached out but could not get anywhere with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( Huntington N ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies
Product: Debt collection

I have a collection account on my credit report from XXXX that does not belong to me.
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 federal protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX Service # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 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 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: Credit reporting, credit repair services, or other personal consumer reports

In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and  XXXX . I was able to research a bit more using   XXXX      XXXX   and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XXXX / XXXX / XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch  with Nelnet, Dept of Education, an d NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency. Nelnet reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports Nelnet as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXXXXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting or other personal consumer reports

Yes I had a employee compromised data from XXXX XXXX XXXX  updated my drivers license account and XXXX XXXXXXXX data breach settlement with case ID from the XXXX XXXX Sheriff 's department XXXX. I want to copy my report from XXXX XXXX XXXX from XXXX settlement. I also want my account put in restoration services from my identity theft report. I also want my information secured from the thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a packet of information to Experian, regarding numerous inquiries on my credit report with their agency. After two weeks had passed with no results, I contacted Experian by telephone on XX/XX/XXXX and again on XX/XX/XXXX. I was told by a representative that " Just because a company ca n't verify permissible purpose does n't mean that [ they ] have to remove the inquiries. '' I disagree. Any inaccurate information that can not be verified must be corrected or removed. Inquiries are not exempt from the FCRA. I have written to the company again, as the agent I spoke to ( I wo n't call him a customer service representative, because it is clear that we are n't customers, but commodities ) refused to allow me to speak to a supervisor, to give them an opportunity to resolve this matter, but after speaking to the agent yesterday and being told that removing inquiries is against the law - which is blatantly false - I am painfully aware that Experian is not going to do anything to resolve this issue. I only hope that the CFPB will make the XXXX finally have some teeth, and no settle for a standard form letter, cookie-cutter reply from this CRA. 

Thank you.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.