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

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the 7-Day free trial with Experians CREDITCHECKTOTAL website. After my 7 trial I called MULTIPLE times to call and cancel this account. The wait times are ridiculous. Consumers are being asked to hold for ONE To TWO hours. Experian is phishing consumers into purchasing a 7 day trial for {$1.00} with the idea that theyll be able to cancel. The aggravating extremely long hours of WAITING to cancel is causing consumers to be charged for the service. I honestly think that if Experian can not hire enough people to help get these ridiculous wait times down they should NOT be charging consumers {$29.00} a month. My card was charged today TWICE from Experian and I want a full refund ASAP. A class action lawsuit or some kind of penalty should be the way to handle XXXX and this PHISHING tactic.
Product: Student loan

I have contacted Navient 8 times about consolidating my student loans in order to qualify for a mortgage. Each and every time I have called I received different information with all of it being incorrect or wrong. I have tried in vain to get someone from Navient to help me, but no one seems to be able to give me any information that is useful for a course of action. I guess people with student loans are n't allowed to buy houses. With no other options presenting themselves I have come to the point of filing a complaint here and writing a letter to my senator.
Product: Credit reporting

The Law in the State of Maine States a collection company can not report info or contact me without a collection license in the State of Maine???
Product: Debt collection

Account Control Technology-They constantly call my place of work when after I told them not to call and it is not allowed. They called me 4 time today. 2 times on my cell phone and 2 times at work. I already have an agreement to pay and I have paid with no problem.
Product: Debt collection

To whom it may concern : My name is XXXX XXXX. I am a XXXX XXXX veteran trying to obtain a VA loan to purchase a home, but there is fraudulent student loan on my credit report that is blocking the process. No success in correction after reaching out to ECMC directly, so I disputed the charge through the credit bureau again no success, so I reached out to the XXXX I then got a response from a representative of ECMC ( attached ) that they can not find me in their system. 

Can you please help me get this item removed from my credit history? 

Respectfully, XXXX XXXX
Product: Debt collection

Capital One Credit Card, Since XX/XX/2023. Had to call them each month they trying to take out wrong amount for payment on auto pay turned off had to block account number because they took out double payments. Talk to supervisor each month to fix problem . Then same XXXX keeps happening each month. This month sent a check for XXXX. XXXX XXXX XXXX tried to tried to cash check for XXXX. Charge me late charges even though I sent check 6 days early. My bank again XXXX XXXX  is filling a depute on what they are trying to do. Called Capital again supervisor file something for credit with them. Not sure if I will get the extra charges back, This happens every month since XXXX. 

Just have to see if I get a credit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX multiple requests asking what method was used to validate the debt. I have submitted documentation from the Bankruptcy court advising that they do not report bankruptcies, I have contacted pacer and they have also confirmed that they do not report. I have also contacted XXXX XXXX and have also confirmed that my report is current locked and no information has been provided. I have submitted all the documents of proof and I just received that the account has been verified. I am requesting who, and what method was used.
Product: Checking or savings account

Opened a Small Business checking account with Bank of America in XX/XX/2022, after receiving personalized promotional email from Bank of America promising a {$100.00} to {$200.00} account opening bonus subject to balance maintenance conditions over a 90 day period. 
Prior to opening the account, I called a Bank of America Small Business Representative to discuss details of the offer. The Bank of America representative confirmed the terms of the offer and gave me instructions on how to open the account. 
I followed the instructions and opened the account. At the end of the maintenance period, after meeting the maintenance requirements for the {$100.00} bonus, I did not receive any bonus. I waited XXXX more month, and I still did not receive any bonus. 
When I called Bank of America to ask why I did not receive a bonus, I was put on hold again and again for almost XXXX hour. Finally, I was told the bonus offer had not been originally applied to my account, so I would have never received the promised bonus if I had not called to complain. Yet, Bank of America refused to apply the promised bonus ( now 1 month overdue ) in a timely manner. They said it will be applied within 60 days. This is unfair and unreasonable, because Bank of America charges monthly fees to keep the account open, so are they effectively avoiding to pay the full promised amount by deliberately delaying the bonus disbursement.
Product: Credit reporting or other personal consumer reports

I have received two emails in the last 2 days from JP morgan chase bank that read, " thanks for applying for a chase credit card! ". I did not do this. I noticed hard inquiries on my XXXX and XXXX report and immediately called them for a freeze on my accounts. I am visiting chase bank today to retrieve any information possible. I did not apply for a card with Chase, I did not consent to my information being available for someone else to be doing so on my behalf or impersonating myself. I would like Chase to remove these inquiries from my reports, as well as investigate and punish anyone who would make a living off of other folks hard work. 

Please advise, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither correct nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXX tD bank payed a check against my account without funds available that made my account negative for approximately {$1500.00} without the account having overdraft protection. Other transactions went in and from XX/XX/XXXX-XX/XX/XXXX that have charged me more that 14 overdraft fee for {$35.00} each almost {$500.00} in two weeks. 

I believe it was bad faith on their behalf and there should be a control over how many overdraft can be changed.
Product: Checking or savings account

Re : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 : Using my XXXX XXXX XXXX XXXX XXXX through Venmo, I sent {$500.00} @ XXXX as a deposit against an enclosed trailer - see post at... 

https : XXXXXXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX modified the trailer and raised the price by {$400.00} XXXX XX/XX/2023 : Due to the change of terms and pricing, I cancelled the order and asked that the deposit be returned. 

To this date XXXX XXXX has not responded to any correspondence through his active post or through the Venmo application. My deposit was never returned and the trailer transaction did not proceed. I have not received any goods, services, or my drposit. 

I communicated with Venmo for return of the deposit and also communicated with XXXX XXXX XXXX XXXX to dispute the payment through my Debit card. Both institutions provided no relief, and their responses are attached. 

Please advise. Respectfully, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and discovered 4 open accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection. These accounts haven been open without my permission I have no relationship with any of these companies.
Product: Credit card or prepaid card

This complaint pertains to two credit cards at Capital One, and also an unlawful action involving Capital One accessing another person 's credit reports on XX/XX/XXXX. Capital One did not have a permissable purpose to access XXXX XXXX 's credit. 

Each Capital One representative acknowledged that XXXX XXXX is not financially responsible for this balance each time the account holder ( XXXX XXXX XXXX ) called. Both of these facts provide evidence that Capital One acted unlawfully when pulling XXXX XXXX 's credit on XX/XX/XXXX. 

In addition to running XXXX ' credit unlawfully, Capital One has demonstrated an unwillingness to accommodate the XXXX XXXX XXXX as the account holder since XXXX after XXXX 's attempts to close both accounts in good standing. Examples include : 1. Not merging the XXXX account with the XXXX after both accounts were paid off XXXX ... ... AND proof that Capital One had this ability in prior years 2. Not lowering the exorbitant interest rate on both accounts after both accounts were paid off XXXX ... ..AND proof that Capital One had this ability in prior years 3. Not assigning both accounts to the current third party debt collector, preventing the XXXX account from matching the XXXX settlement offer of 30 % from the debt collector 4. Previous attempts to contact Executive Customer  Service in XXXX and XXXX, only to receive canned statements about new processes offering no equitable or acceptable solution 5. Attempting to settle these debts with Capital One 's recovery department, only to learn they are not authorized to discuss all of our terms These cumulative events by Capital One are unacceptable and the XXXX is now responding in kind by filing this complaint. Both accounts are approaching the 4 year delinquency mark on all credit bureaus. Capital One has the ability to report these accounts to the credit bureaus as deemed necessary. Furthermore, Capital One also has the ability to edit, change, or delete both accounts as the information furnisher. 

We ( XXXX and XXXX ) are asking your agency to contact XXXX at XXXX or XXXX to discuss the your role in helping to resolve this matter equitably and expediantly. She's been trying to qualify for a mortgage for the month. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX account which was Closed and Charged Off and Purchased by Another lender, which is reporting late payments as well. Therefore this account is reporting twice on my credit report as a derogatory. 
This is causing me alot of stress as my credit scores are below because of this reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the disputed accounts that continue to appear inaccurately on my credit report. On multiple occasions, I have raised these issues and requested thorough investigations into these inaccuracies. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are having a severe negative impact on my credit file, which has caused significant hardships in my ability to maintain financial stability. The continued presence of these inaccuracies is unjustly hindering my financial well-being and disrupting my daily life. 

I am therefore requesting a full and immediate investigation into each of the disputed accounts listed in my credit report. It is critical that all necessary steps be taken to correct and update my credit report without further delay. I trust that with your assistance, I will be able to restore the accuracy and integrity of my credit file. 

Please treat this matter with the utmost urgency. I would greatly appreciate your prompt attention to this issue and your cooperation in resolving it as soon as possible. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these inquires accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights.

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.
Product: Debt collection

They want to make payments on a monthly basis, they do not give me the option of submitting the payments in a more comfortable way for me. I explained that due to economic situations that I am slowly solving, I can submit the corresponding payments. 

They even asked me if the IRS submitted a payment and that way I paid them the money, I explained that in the case of Puerto Rico it is different and they also asked me in a harassment way if I was married and that.
Product: Debt collection

Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX from any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), cert. granted, XXXX XXXX XXXX ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX, Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non  existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XX/XX/XXXX, therefore it did not exist to give me a loan in XX/XX/XXXX and did not give me a loan in XX/XX/XXXX. 4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check 21,  ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non  existing alleged loan has been liquidated on XX/XX/XXXX to unknown parties? see attached obtained from XXXX.
Product: Mortgage

Since XX/XX/2015 my mortgage company, Roundpoint Mortgage Servicing Corporation, has been charging me escrow of over XXXX dollars. My homeowners insurance company told them I did not renew my policy. That was not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and Experian consistently responds within 24hrs stating 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, Equifaxs and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 My name is XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX I have visited the consumer trade commission website to request a free paper copy of my credit report. I know Im eligible for a free paper copy of my credit reports from the credit reporting agencies that are in my area. The website where I attempted to get the report denied my requests. Please mail all my credit reports by mail to my home address as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I notified Transunion of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the public record information in the report. On XX/XX/2018 Transunion submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed and that the name and contact information of the furnisher of information was on the report. The report listed the two public records and the bankruptcy court as the furnisher of information. The bankruptcy court for the XXXX XXXX of Louisiana has informed in writing that the court neither verifies, confirms or reports information to credit reporting bureaus. Moreover, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and also prevented the verification of the public record which Transunion claims to have verified. Transunion has failed to verify the information as accurate and therefore the records should be deleted. 
After receiving the verification from Transunion, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Transunion 's assertion that the public records were verified is dishonest.
Product: Consumer Loan

I have never had an account with the XXXX cable that my debt originated from. They sent my case to Focus RM collections, and I ca n't get a hold of anyone to resolve the issue! I 'm so frustrated and confused.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 

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: Debt collection

I sent a certified written request on XX/XX/2018 for Validation of this account. I have not yet received a response from this company and therefore this account should be removed from my credit report IMMEDIATELY. Per FCRA if debt is not validated within 30 days of written notice account must be removed.