23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I fell behind on my payments in XXXX when i got laid off of my job due to XXXX I was very honest with Axos and told them what was going on and made payments when i was able to, I then got evicted and had to move and get a new job so i was about XXXX past due and they put my vehicle in for repossession on XX/XX/XXXX. i tried multiple times in XXXX and XXXX to make a payment and set up a payment plan but they refused and told me that my contract had been sent to another department so they could no longer help me or take any money. They gave me the number for the repossession department and i called multiple times and left messages and nobody ever called me back in regards to finding a way for me to keep my car. They told me i would need at least half and when i tried to pay them almost half they still refused and said they want the car not the money. Then when i asked when they would be picking up the car they said they could not give me any information. Then i had an investor call me and we scheduled for the vehicle to be picked up on XX/XX/31 and they still have not picked it up or reached out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely dissatisfied that my disputes that have been sent via mail and fax are not being processed. I have called Equifax several times and get the same response that they have not received my disputes. Even after suggesting that I fax the disputes, after doing so Equifax still claims to not have received disputes. As a consumer this is unacceptable. I have enclosed all my previous disputes that were sent and claimed to have not been received in this letter which has been sent via certified mail. Each dispute sent previously has been in accordance with the rules Equifax has set out on their website. Identity verification documents should be on file for three months so the constant sending of an ID card and proof of residency would not be necessary. Even if sent in error, this mistake should be communicated with the consumer and their dispute should not just be thrown away.
Product: Mortgage

I have always rounded my mortgage payment up. My loan payment is XXXX. I pay XXXX every month. The balance, though my mortgaged is fixed, adjusts so no matter what the payment is, I always round up, sometimes as much as a XXXX dollars more. As far as I know, I was late once on my mortgage ( resulting from the one time I attempted to pay my mortgage payment through the website which led to a snowball of financial tangles which have been fixed ). 

I pay my mortgage electronically which means real time payment. I notice that while I have a grace period from the XXXX to XXXX of every month, after which I am assessed a late fee, and even though I am not late on my payments, U.S. Bank has been applying the extra money I pay every month to late or other fees, so that the extra money I pay doesn't affect my balance. Please also note that they say I pay {$3000.00} a year in county taxes. I am calling the county to confirm this is incongruent with the actual statement I receive from the county.
Product: Credit card or prepaid card

It's two cards XXXX and XXXX I've had numerous problems with Capitol One, changes in payments ( {$25.00} to {$65.00} and back to {$25.00} ) This problem is not receiving a statement for this XXXX. 
I have checked the app, every day, since the XXXX of XXXX. 
I have only used the app. I have not received statements by email or mail, ever. 
I have made payments, within one day of the statement and they refused to work with me. I've had to borrow money to make payments, already made. 
I called the company and I was told, " My statement would not generate due to inactivity ''. 
I told them it was my right to receive my statement, regardless of any purchases. 
I told them, It's unethical and fraudulent to hold my statement hostage, until I make a purchase. 
It's my right, as a consumer to receive my statements in a timely manner, every month. 
I informed them, I was not a performing circus monkey. 
This company needs oversight. 
FYI : their new excuse ; my inbox is full. 

I'm unable to attach any screenshots. 
They'll mail out a statement and my payment will be late. I'll have late fees, {$25.00} per card. {$50.00} on a fixed income. 
Why am I dealing with this obvious theft and supposed " accidental '' oversight? 
How many other people are they doing this with and they don't know, It's illegal??
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I mailed letters to XXXX XXXX XXXX AND XXXX XXXX for three collection accounts that I stated I did not open. The three accounts were for XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. I requested proof of these debts to validate and verify and the only documentation that was sent to me was a statement and a balance that was on the account. There was no signed contract showing the account was mine. XXXX has since deleted these collection accounts because debt could not be proved.
Product: Credit reporting or other personal consumer reports

The bureaus have not been keeping and maintining the reporting my creditianls correctly or on never on time as i have been always on top and before time with all my payments or loans They have not yet combined my credit inquiries XXXX buying a car Why does it take 3 months to report my present month usage and keep taking my score down and below Please help in finding a fair solution and taking out unnecessarily stuff from my reports immediately
Product: Debt collection

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
debt Please do olak at hy didi te shoot rest atyhing ereceporti you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute IFYOURASS THS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Debt collection

I have XXXX XXXX by XXXX XXXX and XXXX XXXX they call non stop and neither one is mine. Ive disputed multiple times with XXXX XXXX   as well as credit repair. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I mailed a correspondence to BARCLAYS BANK DELAWARE due to the fact that BARCLAYS BANK DELAWARE was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by BARCLAYS BANK DELAWARE on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> per XXXX XXXX number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of BARCLAYS BANK DELAWARE XXXX per the return receipt received by me ( XXXX XXXX XXXX. The reason for this correspondence was to have BARCLAYS BANK DEALWARE cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to BARCLAYS BANK DELAWARE for a response ; it is well past 30 days with no response from BARCLAYS BANK DELAWARE. I have attached a copy of this correspondence in this complaint to ensure that it is on record that BARCLAYS BANK DELAWARE did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was still being reported as of XX/XX/XXXXwell after receiving my correspondence, so BARCLAYS BANK DELAWARE apparently has decided to ignore my correspondence but continue to report false information on my credit file. If BARCLAYS BANK DELAWARE continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

Since XXXX i have hade there services i have always made payments ontime. Over the years they have done XXXX limit decreases on my credit card and as of XX/XX/XXXX have closed my card. I called Citi and they told me it was over them looking at my credit reports at my total debt that determined all these decisions and if i want to reopen it i would need to have them run my credit again. Citi did not have the authority nor permission to keep looking at my credit report to determine how they handle my account, this is a clear violation of my FCRA Rights. My Credit score has been dropped and damaged due to these credit decreases and soon for the account closure.
Product: Credit reporting

I disputed a credit inquiry on my credit report ( unauthorized credit inquiry ). 
Equifax did not remove the credit inquiry from my credit report asking to resolve with XXXX ( requestor ) directly. 
XXXX refuses to proceed and refer back to Equifax.
Product: Credit reporting or other personal consumer reports

My wife is the sole owner of her property. I am not on the deed to the home. PNC bank is the mortgage holder. XXXX XXXX ( AVP, Operations Manager, Loss Claims ) from PNC bank is the sole person responsible for this disaster. The high level executive told me over the phone that he could not do anything for me. His license to practice in this industry should be revoked. This is a serious issues as I even have a HUD Counselor intervene in this matter, and PNC does not care. My name should not be on the " Notice of Default ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking a look at my credit so I can begin to start looking for a home once back in the US and There are some things on there that are not mine. I have reached out to the FTC and reached out to my local police department, and I am doing this on my own behalf. I will be retiring from the military was trying to get things together. Please remove XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

This is my first bank account and I lost my job, i also lost my card due to my moving process. Overdraft fees was put onto my account that i didnt know of, also a fraudulent check was put onto my account which I had absolutely no clue of. I was getting paid monday so i can pay my overdrafts and i was informed by a representative that my account is in the process of shutting down. How do i reverse this?
Product: Credit reporting or other personal consumer reports

XX/XX/2025 Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX
Product: Debt collection

Today I received a call from a XXXX XXXX regarding some bills I allegedly owe. She was very rude, nasty and condescending. She went as far as to threaten me and state that I was being sued and a lien put on my house for medical bills that I don't owe. I have insurance and the hospital failed to bill my insurance. 
She also was trying to collect on red light tickets that I am not responsible for. Plus the red light tickets here in XXXX are no longer collectable or can be placed on credit trade lines.
Product: Credit reporting or other personal consumer reports

Unable to place lock in XXXXequifax.com Unable to place security freeze using my.equifax.com Unable to lift a security freeze using my.equifax.com Getting errors every time without any solution, called several times with no resolution.

Only way to place a security freeze is through phone call, but their authentication method is a nightmare, if you fail they will ask to submit your request in writing through regular mail which could take several business days!

Not my case but as an example by the time the " mail '' arrives to Equifax office fraudsters had already applied to several accounts leaving customers vulnerable with no protection. 

Or vice versa, if trying to lift the freeze and having to wait several days, then your auto loan, mortgage application, credit application will be delayed as well.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX. 
XXXX. XXXX. 
XXXX. 
XXXX. XXXX. 
XXXX. 
AFFIDAVIT OF IDENTITY THEF XXXX, being duly sworn, hereby depose and state : Identity Information Name : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Affirmation of Identity Theft I affirm that I am a victim of identity theft. I am challenging a dispute with a Federal Trade Commission ( FTC ) report regarding the following unauthorized accounts and inquiries that have appeared on my credit report. Unauthorized Accounts to be Removed The following accounts are fraudulent and were opened without my consent : XXXX XXXX  ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : Charged off XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed XXXX-XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Inquiries to be Removed The following inquiries were made without my permission : XXXX / XXXX XXXX  / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  / XXXX Request for Updates For the account below, please update the payment dates for XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} Legal Justification Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute the accuracy of these items and request their removal due to violations of my federally protected consumer rights. Specifically : 15 U.S.C. 1681 Section 602A guarantees my right to privacy.

15 U.S.C. 1681 Section 604A ( 2 ) prohibits reporting agencies from furnishing accounts without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) restricts adverse items older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that no inaccurate information should be furnished.

Notice of Compliance If the accounts listed can not be verified, they must be removed immediately in accordance with FCRA Sections 609 & 611. Failure to respond satisfactorily within 30 days may result in legal action.

Further Affiant Sayeth
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Debt collection

XX/XX/scrub>XX/XX/2025 XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Request Regarding Citibank N.A. Account Dear Sir/Madam, I am writing to formally request, under the provisions of 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), that you immediately cease all communication with me regarding the alleged debt associated with Citibank N.A.

As per the FDCPA, I am exercising my right to demand that you discontinue all communications with me, including but not limited to phone calls, emails, letters, or any other form of contact.

I understand that under 15 U.S.C. 1692c ( c ), once you have received this written request, you are legally required to stop communicating with me except for very limited circumstances ( such as informing me of the filing of a lawsuit ). I do not wish to receive any further contact from your agency regarding this account.
Product: Debt collection

This place calls me all day everday from different spoof numbers. It says porfolio recovery on one of the numbers. The numbers are : 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 XX/XX/XXXX XXXX XXXX XXXX This is just the ones I am reporting, but it is more than that all day everyday.
Product: Credit card or prepaid card

On XX/XX/29/22 I purchased {$380.00} worth of merchandise from XXXX XXXX ( Barclays Credit Card ). On XX/XX/XXXX22 I returned XXXX worth of merchandise. I then returned an additional {$180.00} worth of merchandise on XXXX/XXXX/22. The charge and XXXX was on my statement. I had to dispute the {$180.00}. Barclays finally on XX/XX/XXXX22 issues my credit confirming a XXXX balance. At that time I closed my account. On XX/XX/XXXX22 I received a letter stating they issued me a provisional credit of {$100.00} and that I now owe them this amount. I called and spoke to XXXX people on this same day. I have repeatedly asked to speak to a supervisor and I have also offered to send in my original receipt along with both receipts showing the merchandise I returned. I returned a total of {$290.00}. I do not owe XXXX. That was an accurate credit as I returned merchandise. It is now XXXX and this has been going on for XXXX months. I would like them to get their accounting straight and bring my balance back to XXXX. This was an extremely frustrating and stressful when XXXX people can not understand simple math. The last person I spoke to on XX/XX/XXXX said it was an accounting error and it would be taken care of. I called XXXX today XX/XX/XXXX22 and they still show I owe XXXX. I would like this resolved. Thank you.