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

in accordance with the fair credit reporting act. below accounts have violated my rights. 
1 ) discover bank last four account number # XXXX 2 ) XXXX XXXX XXXX  last four account number # XXXX 3 ) XXXX XXXX  last four of account number # XXXX XXXX XXXX XXXXXXXX last four of account number # XXXX 15 u.s.c 1681 section 602 a. states i have the right of 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 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.
Product: Credit reporting

I disputed this account many of times. To verify my social and DOB and name is not validation to the debt. This account has been removed by XXXX and XXXX. I have made outreach to XXXX XXXX on XXXX/XXXX/16 and I never received any documents showing I owed this debt. I have sent screenshots of my communication with the collection agency. If they ca n't provide documentation then the account can not be reporting on my credit report. Anybody can say I owe debt and have my social name and DOB but with out proper documents what does that mean ... nothing I will show proof that I have reached out many of times to the credit bureau and the collection agency. Still to this day I never received anything. I was getting the run around about when they were being sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  Original creditor : XXXX XXXX {$120.00} Balance updated XX/XX/XXXX XXXX  XXXX Account number XXXX and XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX  XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX/XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card US DEPT OF EDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Inquires US SM BUS ADMIN ODA XXXX XXXX NA RESIDENT VERIFY XXXX
Product: Mortgage

My Mortgage is through Rushmore loan management. We are now in mediation. I applied for a loan modification in XX/XX/XXXX which was approved so I started making the payment via verifiable funds ( XXXX XXXX ). For six months I made payments. In XX/XX/XXXX I had to have XXXX and my short term XXXX was declined. So again I fell behind. Now according to them they sent me papers confirming my modification after the 6 months of payments which I never received. Not knowing the modification was not final and falling behind again, I request another modification. Now I found out that the payments I made in XXXX went back to XX/XX/XXXX. Which put me 19 months behind, So of course I tried to work it out and requested a new modification. That was denied so I appealed and it was denied as a FINAL denial. So now mediation. Well at mediation XX/XX/XXXX I was informed that my fixed rate loan was changed to a ARM and it has doubled my payment plus the late fees and repayment plan. Over 3000.00 a month they want. I never like this company and have heard of many people to whom have also had issues with them. They are hard to get on the phone don't return calls and never give you all the facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section XXXX of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act XXXX XXXX. ( a ) ( XXXX XXXX ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the XXXX credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit and personal information is in " SageStream , LLC '' posession and is being used to make credit decisions. I have never heard of this organization. XXXX, XXXX and XXXX are the only Legit credit bureaus. Why do this organization have my information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get all 3 Bureaus to look into this account now for a about 3 months. I know that all my information must be correct or it needs to be removed. I have been asking to have this account looked into and I haven't received any information on my dispute. When you look at this account it states that my late activity was in XXXX. How can I have any activity in XXXX when the account has been closed since XXXX? XXXX has no payment history. XXXX has been charged off since XX/XX/XXXX. Experian has been been charged off since XX/XX/XXXX. Nothing makes sense and I haven't heard from anyone about my disputes.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy and 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish a without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights.

EQUIFAX 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  has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX has XXXX my rights. 

I looked at my TransUnion Equifax Experian credit report on 02/25/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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

I checked my credit report months ago and noticed this creditor was on my report. However I have never heard of this creditor nor have I ever done business with them. Theres a number on my report to contact them and upon contacting them I spoke to a lady who told me that I had been a sponsor for this lady who took her grandmother to XXXX or XXXX Im not really sure of the location she claimed Id sponsored but I informed her that I dont know the names she named and she said that if I file a dispute with the bureau shed remove this fraudulent account. I believed her but upon recently checking my report I found she never removed the account and is still reporting it as open and now 9 times delinquent. I then made a second call to them and spoke to a different lady who said I had my sister flew somewhere to attend the funeral of my brother which is a total made up story because I dont have a sister and my brothers are alive and well. This creditor knows this account is fraudulent and refuse to remove it from my report and thats a violation of consumer protection laws in reporting false information to credit bureaus without adequate verification. Im asking that they remove this fraudulent account or the FTC charge them for violating consumer protection laws. Reporting false information to credit reporting agencies.They have no validated evidence of me signing anything in front of a notary or certified letter sent to me validating this debt so they are in violation of the law if they dont remove this.
Product: Debt collection

The company placed a negative collection on my all of my consumer reports without written consent and or proper time to dispute the debt. I am unaware of any debts owed to the company and or whoever the collection company may represent. Account number : XXXX Date opened : XX/XX/year> 2023
Product: Mortgage

between the months of XXXX XXXX and XXXX XXXX, my mortgage principle balance has gone up XXXX ... why? every month I see " other charges '' of anywhere between $ XXXX {$800.00} but never an explanation as to what these " other charges '' are. I 've also asked for a copy of the initial documents I signed detailing all the charges and particulars of my loan. I 'm told Seterus does not have them so oh well ... no documents for me and no way to know if what they are charging is within the detailed loan specifications or not. How can they just create charges with no type of explanation at all. Most of the loan agents are curtious but really know very little pertaining to your loan at all. Some of the agents are just straight up bullies.
Product: Checking or savings account

I am filing a complaint against XXXX XXXX for denying my fraud case despite substantial evidence and for their inefficiency in handling the matter. On XX/XX/XXXX, I received a notification from Capital One about a potentially fraudulent transaction at XXXX for {$500.00} at XXXX XXXX XXXX, which I immediately denied as unauthorized. Upon reviewing my account, I found additional unauthorized transactions, including three ATM withdrawals totaling {$600.00} and two debit card purchases at XXXX and XXXX for {$230.00} and {$100.00}, all occurring before the XXXX transaction notification. Despite this, XXXX XXXX denied my fraud claim, and only the XXXX transaction was flagged, raising concerns about the effectiveness of their fraud detection system. On XX/XX/XXXX, USPS Informed Delivery notified me that a mail item from Capital One was en route from XXXX XXXX XXXX, XXXX, XXXX XXXX, a verified address belonging to Capital One. However, this mail was stolen before reaching me, likely containing my replacement debit card. The unauthorized transactions began shortly after, suggesting the stolen card was used fraudulently. I immediately reported the issue to Capital One, informing them of the theft. After Capital One denied my claim without conducting a thorough investigation, I requested a rebuttal and provided multiple pieces of evidence, including USPS Informed Delivery confirmation, identity theft reports, and a police report documenting the theft and fraud. However, Capital One has not yet provided a decision on my rebuttal. They have sent an email stating they will reverse the charges on XX/XX/XXXX, but given their initial investigation, I have little confidence that the matter will be resolved fairly. I am concerned about Capital Ones card delivery practices, as they mailed my replacement card through USPS without requiring a signature, making it vulnerable to theft, while later sending a new card via XXXX  with enhanced security. I also question the adequacy of their fraud investigation, as key information, including the stolen card and XXXX footage from transaction locations, appears to have been overlooked. Furthermore, the stolen card was used without activation safeguards, such as a PIN or authorization through the app, allowing fraud to occur. Capital One failed to communicate their findings clearly and left critical questions unanswered.
Product: Debt collection

I was called in XX/XX/XXXX by a collection agency regarding an old debt I owe. At first, I thought they had the wrong number since I didn't recognise that I ever had an account with the bank. It's been so long. They were trying to get me to pay over the phone. 
I disputed everything since I didn't remember. 

Shortly after, I received a letter from XXXX XXXX  stating that they had sold the debt to a certain company. I called the Bank back and they told me they don't owe the account anymore. 

Then I got a collection letter from the company. I disputed it within the time frame. Then I got a new collection letter from a different company a couple of months later. I disputed it again Then I got a letter from XXXX XXXX  saying they sold it to XXXX XXXX. Then I got a letter from a different collection agency. This has been going on a couple of times now. Every time I dispute it, the name of the collector changes But at one time, it was owed by XXXX. I get those companies so confused because they keep changing their name. 

The debt was last charged and last heard from in XXXX. 

A lawyer from Utah tried to contact me twice, giving me a response date by XX/XX/XXXX and XX/XX/XXXX. This time, I ignored it and didn't dispute it. 

Today I was served with papers but I refused to sign them as the statute of limitations has passed. I
Product: Credit reporting or other personal consumer reports

I received message from XXXX XXXX and XXXX  that my credit has been reduced due to excessive inquires. I have not applied for credit with any source over the pass 18 months. I called XXXX XXXX  and requested they stop but they have run it daily Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was never late with XXXX, it was completely paid off. And removed from XXXX, I would like it removed from XXXX and Experian as well.
Product: Credit card

Wells Fargo XXXX card decided to hold my payments for for XXXX business days without notifying which caused my rent payment to be returbed and I was charge fees because of it. They didn't vene notify me that they will begin putting my payments on extended hold and their represebtative stated that they arw not required to do so.
Product: Student loan

I took out a total of {$22000.00} from Sallie Mae between XX/XX/XXXX and XX/XX/XXXX. I began paying this back this year, XX/XX/XXXX. Due to a XXXX leave, I had to return and finish XXXX this fall, meaning I did n't get a grace period. That is not the issue, however. According to XXXX, they picked up my loan and I am supposed to be paying them. Sallie Mae is telling me that I still need to pay them. My {$22000.00} has now turned into {$44000.00} among XXXX different companies. Instead of paying the agreed upon $ XXXX/month, I am now sitting at owing $ XXXX/month right now. I have made countless calls but I just get told that the other company is wrong. 
I was told by the Department of Education to report XXXX because they wo n't provide me any proof of signing my debt over to them. I asked for the promissory note because my mom and I never did anything regarding XXXX, but they told me that they could n't give me my promissory note and I had to call the Dept. of Ed and get it from them. When I called the Dept. of Ed they told me that was incorrect and a violation on XXXX 's part. 
I went to the bank today and assured that I only ever received {$22000.00} through loans. They verified that and told me I need to get proof from both of these companies. Neither company will give me any proof and they keep giving me the run-around. I can not live paying {$850.00} a month right now for student loans -- I have my rent and car payments on top of that, and it is impossible for me to bring in that kind of money when I graduated XX/XX/XXXX. 
The bottom line is that my loan amount was doubled from {$22000.00} to {$44000.00}, and both companies are telling me that I need to pay them. I went to a XXXX College for two years and payed out of pocket for that- I then took three years at XXXX , including a XXXX semester that I received a XXXX. The fact that I received {$44000.00} dollars worth of loans is simply impossible and I need to get this figured out as soon as possible. I have spent over ten hours on the phone during the last two days and have gotten no where. 
Please help me, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 A payment was made in the amount of {$1000.00} via debit transaction in the retail store XXXX XXXX XXXX XXXX, VA XXXX. The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/2024 along with the XXXX payment. On XX/XX/2024 I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX transaction reflecting post date. Also, Concora Credit refuses to grant me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX - XXXX - {$30000.00} XXXXXXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$1200.00} XXXX XXXXXXXX - XXXX - {$1200.00} XXXX XXXXXXXX - XXXX - {$630.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit card or prepaid card

onXX/XX/XXXXirs websited said 2nd stimulus was scheduled for deposit that day and nothing was showing in my paypal account. i got my 1st one no problem same day XX/XX/XXXX XXXX on irs site it showed matching acct number both were deposited into. so i contact paypal and the tell me 3-5 days to clear so i was confused since first one was same day why wouldnt second needless to say ive contacted paypal every other day with limted responses back cant get ahold of them via phone its now day 7 an i get a response that paypals having service updating an im not the only one wondering what the XXXX and they said theyf let me know asap and to reply when ever id like. so i went to reply and the idiots closed the chat an wont let me message them now
Product: Debt collection

This company is 'Portfolio Recovery ', contacting me via my cell phone from XXXX. I have repeatedly told this company to stop contacting me about this debt that is >16 years old. They always call from unidentifiable numbers. I have sent them letters via certified mail, still, the calls continue. I use my cell phone for business purposes. I can't handle having these harassing calls continue year after year despite my every effort to get them to stop. If they do not cease I will take action in small claims court for every FDCPA infraction.
Product: Money transfer, virtual currency, or money service

Amount of {$3400.00} was wire transferred out of my checking account on XXXX XXXX, XXXX. 
It was unauthorized and I do not know who the recepient of the money is. 
I contacted Chase on XXXX XXXX to claim this anauthorized wire transfer. 
Chase told me that they will investigate. 
1 week later, I was notified that they DENIED the claim. 
They explained that my wife 's mobile phone was used for this transaction, which is NOT TRUE. 
I asked for more information ( ie : exact time of the initiation of the wire transfer since it has to be done on computer, chase mobile banking does not allow user to add a recepient of the wire transfer. It has to be done using chase.com on a computer, last login time on any device using her ID, etc ), but they refused to provide any information other than my wife 's phone was used for this matter. 
The Chase wire transfer claim department is NOT TAKING FULL MEASURE TO SOLVE THIS PROBLEM. 
Now they concluded that this is indeed NOT A FRAUD.