23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2021, I tried to log in to pay my mortgage XXXX My log in failed - there was no message saying anything was wrong with password or ID ... it just kept reverting back to log in. I even tried forgot password to see if that would help. 

No luck. No tech support available through their website. I called customer service. They have the most convoluted " Self SErvice '' messaging. And their customer call line keeps directing one back to the website. I spent over an hour trying to find my way through their phone system. I can't even remember how but I finally got a person. Not the usual press 0 or # ( In fact when you press 0 more than once you get a good-bye and then a hang up ). Once I got a person, she told me I was locked out of my account because I had my cell phone number also listed in the home number spot. She unlocked my account and I was able to pay. 

Today one month later I log in to make a payment ... and the same thing ... log in does nothing except bring back a new log in screen. No error message ... just a continuous loop back to log in. So I called again. I have spent 45 minutes trying to find anything on the phone service that will be of help. I can not figure out how to reach a person and NOTHING at the customer service line leads to something or someone to help with this matter. 

This trouble paying can lead to credit damage. How do I get to speak to someone who can help me? All I want to do is be able to make online payments. In the past ( For YEARS ) there was never any trouble making online payments. This company has horrible service.
Product: Checking or savings account

I opened the account on XX/XX/2023 I funded the account on XX/XX/2023 The debit card was activated on XX/XX/2023 The account was frozen and closed without my consent on XX/XX/2023 I can not access my funds and was told it could take XXXX days for a check to be issued
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. This address is not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  New Jersey XXXX Social Security Number : XXXX Date of Birth XXXX XXXXXX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. Multiple collection accounts on my credit report have been marked as inaccurate. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
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 a 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/XXXX XXXX has neither corrected nor removed disputed items despite the evidence I 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: Debt collection

They continue to call my mother about a debt that I have disputed numerous times. They have been asked by her to stop calling. They called 7 times on Sunday and 3 times after XXXX on Monday. They shared information about the debt with someone they shouldnt have. Cease and Desist
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX ARE XXXX XXXX XXXX XXXX COMPANIES THAT LIKE TO TORTURE AND DESTROY XXXX PEOPLE AND XXXX VETERANS!! THESE IDIOTS AT THESE XXXX COMPANIES REFUSE TO REPORT PAID CLOSED ON ALL MY XXXX STUDENT LOANS THAT WERE DISCHARGED DUE TO XXXX! THEN, THE COMPANIES LIE TO THE CFPB AND THE PUBLIC AND SAY THEY WERE INVETIGATED AND PROPERLY REPORTED WHICH THEY WERE NOT!! THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANIES LIED TO THE FEDERAL GOVERNMENT AND VIOLATED FCRA WHICH IS A CRIME!! MY STUDENT LOANS ARE ALL DISCHARGED/PAID/CLOSED ZERO BALANCE AND YOU WERE TOLD THIS BY XXXX AND YOU ARE DELIBERATELY REPORTING OPEN OR A BALANCE WHICH IS ILLEGAL!! SEE ATTCHED DISCHARGE LETTER!! REPORT ALL MY XXXX STUDENT LOANS PAID CLOSED ZERO OR I WILL SUE YOUR COMPANIES FOR EVERYTHIG ITS WORTH, AND GO TO THE MEDIA WITH MY COMPLAINT!! YOUVE BEEN REPORTED TO THE ATTORNEY GENERAL OF THE STATE YOU DO BUSINESS IN GEORGIA AND CALIFORNIA AND DC ATTORNEY GENERALS OFFICE!! EQIFAX REFUSES TO ALLOW ME FOR STUPID REASONS, ACCESS TO MY FREE ANNUAL CREDIT REPORT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX open XXXX XXXX {$1300.00} XXXXXXXX XXXX open XXXX XXXX {$360.00} XXXX XXXX open XXXX XXXX {$5800.00} Credit Acceptance co also the i get denyed by banks never open a account a day in my life need everything gone from my report. 
its say i have a collection of over XXXX i called and i tryed disputing, people say i owe i get denied for house becouse of it, i know the person who used my identity to get things in my name i didnt give access to my credit report till this year my mother been using my name to get thing without my permission. also i got my last name changed due to marrage need everything updated my info and the info on my repoet is wrong. i was a victim of identity theft
Product: Debt collection

I signed up for a time share and I had been unable to use it every time that i went to use it due to blackout dates that weren't in the contract. I was still honoring the contract in good faith. However once the pandemic hit in XXXX of 2020 i had my XXXX  's taken from me due to no fault of my own. Due to this i was unable to continue to make the payments. Since that time the time share has continued to add maintenance fees on my account and interest payments. I am unable to pay at this point and it is becoming to much but in addition i don't believe the company has honored their contract in good faith. Can you please help me resolve this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Over the course of XX/XX/year> I requested a hardship extension for my loan and despite that accommodation I was still charged a late fee. I am now fully current on my account as per the information on XXXX XXXX own website and despite this my account was reported as delinquent to all credit bureaus. A fully paid up and current account should not be declared delinquent over an arbitrary late fee. This company is deliberately sabotaging my credit score.
Product: Credit card

I have used my credit card issued by XXXX Credit to make a purchase at XXXX XXXX. When I checked my credit card activity online I have realized that I have a PENDING charge for my purchase and other PENDING charge from XXXX XXXX XXXX. Please, see below and read the little print that it even EFFECTS my AVAILABLE CREDIT:XXXX PENDING XXXX CA XXXX XXXX $ XXXX PENDING XXXX CA XXXX XXXX $ XXXX Recent activity may not reflect all pending fees and charges*** This transaction is pending, which means it is not yet posted to your account or included in your Current Balance, but it may impact your Available Credit. The transaction should post within XXXX hours. Some transactions amounts may be rounded to the next highest XXXX amountWhat happens is this : the {$11.00} will never show as a balance on my credit card statement. It will go from pending to not showing at all. Someone is using my credit as a short term free loan. How is that possible. How can someone abuse my credit and get some free funds on me. The same thing just happened to my husband purchasing gas at XXXX. A gas purchase and a non-related charge from some unknown company. Please, see the supporting documentation. 

The XXXX XXXX is issued by Synchrony Bank pursuant to a license from XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently looking over my credit report, I noticed these fraudulent inquiries on my report. I do not recognize nor acknowledge these inquires and kindly asked for them to be removed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of changes and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Account # XXXX ( this is 1 of 4 with CBE Group ) Amount XXXX To whom it may concern, On XX/XX/18 I sent out a certified letter to CBE Group Regarding account ( XXXX the supposed amount of XXXX ) to address XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I requested an original bill baring my signature be provided to me showing that this was my debt. 

I only gave them the right to show me this information. Instead they sent me a an alleged statement stating that it was mine divulging personal information violating HIPAA laws. At no time did I request a statement of the procedures that were done. I asked for an original Bill bearing my signature. 
I have sent them three certified letters requesting an original Bill bearing my signature and all they send me are these statements that are not even on letterhead or proper billing forms. Additionally, when I sent them the first letter they did not put on my credit reports, I know this because I ran my credit report again on day 31, that this item was disputed within 30 days following the : Fair Credit Reporting Act section 623 ( A ) ( 3 ) or Fair Debt collections Practices Act section 807 [ 15 USC 1692e ] Fair Credit reporting Act Section 609 Fair Credit Billing Act Public Law 93-495 Section 164 ( i ) Law US Court of Appeals, Ninth Circuit, No. 00- 15946, XXXX XXXX XXXX XXXX The information that CBE Group is reporting is not 100 % accurate They have several misspellings and incorrect name for me that they claim is my debt and will not correct the errors. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a complained here couple months back about XXXX XXXX on behalf of Synchrony on accounts closed since 2019 and XXXX harassing my child and as of today XXXX is harassing me again with claims of financial fraud. As a result of my last complaint Synchrony wrote a letter that details all my activities with them and that states XXXX Should have never keep trying to collect on Accounts closed in 2019 and that Synchrony will send them that letter so they can fix and stop their illegal collection. Unfortunately XXXX  closed the dispute without addressing the fact that XXXX was wrong and XXXX is moving full speed tarnishing my name despite the overwhelming evidence clearing my name.
Product: Credit card or prepaid card

A fraudulent charge from XXXX for a laptop computer, price {$2500.00} charged to my Capital One Credit card. I reported the fraudulent purchase to Capital One and upon their investigation they declined to remove the charge from my credit card. From my discussion with the capital one fraud investigator their investigation indicated that the computer was delivered to me by XXXX at my home and I signed for it. I told them I did not order or take receipt of the XXXX laptop. I filed a report to the XXXX County Sheriffs Department ( XXXX GA ) to which the case was assigned to Investigator XXXX ( case # XXXX ). Investigator XXXX visited the XXXX office to review the video but was informed the video was erased. He was informed that the package was picked up by a person at the XXXX office and not delivered to the address listed on the packager per request of the perpetrator. XXXX shows the signature to be signed by the XXXX office person ( of which I have a copy ), they also did not request proper identification when being picked up. I called Capital One and sent them the information ( copy of signed receipt indicating not delivered to my home ) and request they call Investigator XXXX. I also asked why they did not call me when the order was made since it was a large and unusual order as they advertise-they said they are not obligated even though my account setting request that they do so. They sent me final resolution " I've found no indications of fraud ''. I sent numerous requests which to date have been ignored. I subsequently paid Capital One the {$2500.00} plus interest while disputing the charge to avoid hurting my credit score. Note that I have a credit score of 815 and would never order something with intent of not paying. I hope you can assist or include this complaint in their file. Capital One is too big and as a consumer I have no recourse except to file a complaint. If you would like copies of my file please let me know XXXX.
Product: Debt collection

on XX/XX/2023 I received a called from Radius Global Solutions stating that there is an attempt to collect a debt from a company called XXXX XXXX I have never done any type of business with this company XXXX XXXX  nor did I even know of its existence until I received this call. I told the person on the call that I have no clue what that company is and I needed the calls to stop. The person on the call hung up in my face immediately without saying a word. Hours later I received several calls from the same number but every time I would answer no one would say anything. I have been a victim of identity theft several times in the last few years and this is just another case of it. I have never done any business with XXXX XXXX  I have never had an account with them and I do not owe them any money. Any account made with XXXX XXXX  was made by someone who stole my identity and I did not authorize anyone to do any type of business with this company under my name or personal information. I have attached an FTC report stating the same thing.
Product: Debt collection

I contacted Jefferson Capital Systems to settle a debt and have it removed from my credit. We agreed to settle for {$500.00}. I paid {$100.00} towards the balance the same day and the balance was left at {$400.00}. I was laid off from my job and informed JCS that I do not have the money to finish the balance. I requested they hold my account until I find employment. It was agreed they would hold my account. 

On XXXX Jefferson Capital Systems re-reported my account using re-aging to all 3 credit bureaus and stating my account is delinquent. This dropped my score over XXXX points. This is illegal for JCS to re-age my account and after promising to hold my account, they re-reported it again. 

I would like for JCS to fix this on my credit report or I will pursue further action to sue for re-aging, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). I will also report this to FTC.
Product: Credit reporting

An account on my file is reporting inaccurately and agency has refused to properly investigate this or do any proper investigation. XXXX XXXX XXXX # XXXX is reporting incorrect status ', dates and balances. It is not correct and I have contacted the furnishers and they have informed me that no one from the agency has called to conduct an investigation. I have repeatedly asked them to verify this account and show me why it is on my file in such a derogatory manner and they refuse to speak to me, give me absolutely any investigation results and paper work and they have not transferred any of the paper work i have submitted to the data furnishers on my behalf, which would have exonerated me. this account is inaccurately reporting and showing as open and it is badly affecting my life.
Product: Prepaid card

I purchased a vanilla visa gift card that was advertised to be able to be used online and in person. However, XXXX and vanilla visa have recently REMOVED the ability to register the address and create a zip code, so I am unable to use this card as intended online when a zip code is requested ( as on almost every site ). Thus, the card was falsely advertised, and I can not use the balance. It is my hope they provide me a refund for this card and the activation fee.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). I would like to bring your attention to specific laws that outline your responsibility in handling disputes : 1. 15 U.S.C. 1681i ( a ) ( 1 ) - This requires credit reporting agencies to investigate disputed information within 30 days.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - This mandates that if the investigation results in changes, I must be notified of the corrections made.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - This requires reinsertion of previously deleted information to meet strict verification requirements, and I must be informed if this happens. 

The inaccuracies on my report are having a negative impact, and I request an immediate investigation and correction of the following : Please provide me with the results of your investigation, the updated credit report, and a detailed explanation of the changes made in compliance with federal law. 

If these issues are not resolved promptly, I will consider pursuing further action to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX a ID theft report was filed to the Federal Trade Commission in regards to Unauthorized Inquires, Charge-offs, and Creditors on Experian, XXXX XXXX XXXX credit reports. FTC report number is XXXX. Please remove all inquiries, charge offs, and creditors listed below. I did not authorize any of the following information. 
.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company is Commenity. I had a Torrid charge card and have a small bill of maybe {XXXX. Since XX/XX/XXXX I have received XXXX phone calls from different numbers for the company regarding my bill. I have also received text messages and emails as well. Some days I will only receive 1 call and some days I will receive 7. They call multiple times almost daily. 
I informed them of the debt collection laws regarding harassment and they began calling me once a day for a few weeks then went right back to 5 or so times per day after I told them to stop.
Product: Checking or savings account

My Complaint is with Citibank XXXX XXXX XXXX my 2 accounts with Citibank were closed due to lack of documentation ID for my XXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX I sent the required ID and was told the accounts would be opened. The funds in the account were frozen and according to the bank sent to my mailing address. I never received these checks. I asked the bank to put a stop payment on the checks and refund the funds. Today XX/XX/XXXX the bank has opened one account but has not refunded the money which my mother needs and the other account remains closed. I am speaking at the moment with Remediaton of Citibank and the tell me the accounts have all the information needed but dont know why the account has not been reoppened and the funds deposited. I feel helpless so I am asking you for help Thanks XXXX XXXX