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

This company is in violation!! I asked for information and was supposed to receive the information in 15 days and didn't receive it. 
Notice, it is a fact, affiant is aware, in accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer and affiant have the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I and my mother became XXXX  between the months of XX/XX/year> - XX/XX/year>. Her name is on the eviction notice that will be attached below. This whole situation happened because I lost my job and my mother had a XXXX things got hard. We stayed in a XXXX  and due to losing my wallet and other items. I was unable to make any payments on my credit card at that time. However while in the shelter I still manage to come up with a plan and pay what I used before losing my belonging. After contacting capital one and sending the a XXXX/adjustment letter with documents of my eviction notice. They refuse to remove the late payments although I explained in detail the reason for my late payments. I even disputed with XXXX  they to refuse to remove this information on my credit report. The negative remarks are causing me worse financial pain some jobs check your credit report in order to gain employment. Also due to these negative remarks I cant get a proper safe residence for myself and my sick mother. Please note some how my number is wrong on this complaint that is being submitted. The correct number is XXXX thank you
Product: Debt collection

BANK OF AMERICA has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore BANK OF AMERICA is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my credit report with Experian. Specifically, my credit report contains two incorrect addresses : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX I have formally requested an investigation and correction of these errors under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to investigate and correct inaccuracies within 30 days of receiving notice. 

I have emphasized Experians legal obligation to conduct a reasonable and thorough investigation, as established in XXXX XXXX XXXX XXXX which mandates the highest standards of accuracy, and XXXX XXXX XXXX XXXX XXXX, which requires the agency to go beyond automated checks to verify information validity. 

If Experian fails to resolve these issues within the legally mandated timeframe, I have pointed out that they may face liability under 15 U.S.C. 1681n for willful non-compliance or 15 U.S.C. 1681o for negligent non-compliance. I have also requested a detailed description of the investigation procedures and an updated copy of my corrected credit report as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I made it clear that if the matter is not resolved promptly, I reserve the right to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursuing legal remedies.
Product: Debt collection

I, XXXX XXXX, am filing a formal complaint against Zwicker & Associates, P.C., acting as a debt collector on behalf of XXXX XXXX for a purported debt amounting to {$2100.00}. I am disputing the validity of this debt as no verifiable documentation has been provided to substantiate it, and I have yet to receive a signed contract containing both my authentic signature and my full Social Security number. My concerns, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), compel me to request Zwicker & Associates, P.C. verify this alleged debt in a clear and definitive contractual agreement, which they have yet to provide. 

In adherence to my rights under the FDCPA and other relevant consumer protection laws, I have previously requested validation of this debt from Zwicker & Associates, P.C. However, the response has been insufficient, failing to establish a legally binding contract signed by me or to present substantive evidence of my consent or obligation to this debt. I hereby assert my right to full verification as Zwicker & Associates, P.C. has not met the standard required by law to validate this claim. Should Zwicker & Associates, P.C. persist without providing a legally recognized, enforceable contract, it may be subject to litigation for misrepresentation, fraud, and potential violation of federal consumer protection laws. This noncompliance and harassment through unverified debt collection practices will warrant a federal lawsuit, and I am prepared to proceed if no compliance is met. 

Furthermore, I hereby demand that arbitration proceedings, in accordance with XXXX XXXX 's standard contractual clauses for arbitration, be established as an alternative dispute resolution. Zwicker & Associates, P.C. has failed to honor arbitration options, which are typically outlined in consumer agreements with XXXX XXXX, further violating my consumer rights and disregarding standard procedural fairness. This ongoing misconduct suggests a willful disregard for both consumer protection statutes and XXXX XXXX own policies on debt dispute resolution. 

Given the nature of Zwicker & Associates, P.C. 's behavior, I respectfully request that the CFPB investigate this debt collection agency 's practices under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards, especially in light of Zwicker & Associates, P.C.s refusal to present evidence of a binding contractual obligation or offer arbitration per standard industry practice. 

In summary, I demand that Zwicker & Associates, P.C. immediately cease collection efforts until they can substantiate this alleged debt through legally acceptable means, specifically a signed contractual agreement containing my full Social Security number. Failure to provide these materials will confirm my intent to seek judicial relief, including damages for violations of consumer protection laws.
Product: Student loan

I have met the requirement under PSLF. For the last six months, I keep being told that my most recent employer, XXXX XXXX XXXX in NJ, is in " adjudication '' and Mohela can't give me any more information and tell me there is nothing I can do about it.
Product: Checking or savings account

I, XXXX XXXX, had my checking account closed by Chime on XX/XX/2025. I received a closure check on XX/XX/XXXX from Chime for the balance that was left in the account after closure. The check turned out to be short by {$880.00} because I only received a {$1700.00} check instead of a {$2600.00} check but nonetheless, I figured they would correct the mistake maybe. So I contacted Chime and their customer service agents are not helpful at all because they can not understand what you are saying and you cant understand what they are saying since they are outsourced in a different country. So I attempted to deposit the check for {$1700.00} into my bank account at XXXX XXXX and the check was returned as FRAUDULENT/ALTERED! And now XXXX XXXX is closing my bank account due to Fraud/suspicious activity.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized hard inquiries from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 



Upon reviewing my credit report, I noticed several hard inquiries that I did not authorize. These inquiries include : Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per 1681b of the FCRA, hard inquiries should only be listed on a credit report if they are the result of a consumer-initiated action. I did not authorize these hard inquiries, nor did I initiate any application for credit with these entities. 



To comply with 1681i of the FCRA, I kindly request the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I request that you provide accuracy by contacting the companies that reported these inquiries and showing proof that I personally authorized these hard inquiries. If there is no proof of my authorization, these inquiries must be removed immediately in accordance with 1681e ( b ).

Specifically : 1681b. Permissible purposes of consumer reports : Hard inquiries must be based on a legitimate purpose, such as a consumer-initiated transaction.

1681i. Procedure in case of disputed accuracy : Requires the credit bureau to conduct a reasonable reinvestigation of disputed information and provide results within 30 days.

1681e. Compliance procedures : Mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information. 



Enclosed with this email, I have included the necessary identification documents ( social, ID ), IDENTITY THEFT REPORT and a copy of my credit report highlighting the disputed inquiries for your reference.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was charged with a returned item fee of {$34.00} by Synchrony Bank on the XXXX of XXXX, 2021, however, I paid the remaining balance in full on the XXXX of XXXX, 2021.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX COMMENITYCAPITALBANK/XXXX I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in pacific concrete fcu v. kauano, 62 Haw 334, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX XXXX if you fail to comply with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Product: Checking or savings account

Today I needed a copy of my cleared check. Check # XXXX in the amount of {$1500.00}. As it turns out Wells Fargo does not have this information. ( I needed it for loan processing on my new mortgage which now has been denied because I can't provide the needed document ) I began trying to look at the the other images of cleared checks for the past year. Many of them were not there. I called Wells Fargo and spoke to a rep. Indeed he verified they do not have this information.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$4500.00} XXXX Account number XXXX Date XXXX XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$4500.00} XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$4500.00} XXXX Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Walmart, synchrony bank card I am disputing the amount 2017-present day.the bank sent me8 to 1099C from the collectionOf debt. They canceled {$740.00}. Now I have the same bank sending me the notification say I owe {$1100.00}. I was informed by the Walmart that was paid off now while its on my credit for a showing that I owe more money than I paid off of {$1100.00}. Ill reach out every month for the last four  years certify the XXXX do I old money to a collect did that by the bank when I made the payment of {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's are erroneously reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. 15 U.S.C. 1681a ( f ). 

I have attached my DL for identification A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section 1681e ( b ).

If a CRA willfully fails to comply with any requirement of the FCRA, it may be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. 1681n ( a ), ( 1 ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. 1681o
Product: Debt collection

I have contacted the collection company many times but they are failed to provide necessary documentation that will prove that this account is mine. Please remove this account on my credit report because it's affecting my credit score.
Product: Vehicle loan or lease

XX/XX/XXXX in the amount of XXXX on a car loan. My car payments was paid on time every month. My car was total out due to an accident back in XX/XX/XXXX. The insurance company paid out to regional acceptance Corp and gap insurance paid off the remaining balance owe on vehicle. Company stating that I still owe them a balance of XXXX I do not owe the company anything. I request this company to remove this item off my credit report, because they has no proof that I owe them or I will proceed to seek legal actions in the future for trying to over charge me for a vehicle that was paid off and I no longer own
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

I purchased a vehicle at a local dealership and financed the loan through Gateway One Finance and Lending. I paid off my loan a couple moths early in fact. GOLF subsequently went out of business, but never released the lien on my car. I can not obtain a duplicate title. I tried reaching out multiple times to Santander, the purchaser of GOLF 's loans, but they can not be bothered to include the necessary information so that the lien on my car would be released nor can they do this in a timely fashion. There are dozens of complaints on the XXXX XXXX XXXX website for the same situation. This situation needs to be rectified for me and for the dozens of others who have been impacted by the slovenly business practices of these XXXX entities, only XXXX of which is defunct. 

Thank you for your time and attention to this matter.
Product: Mortgage

I received my mortgage statement, due for XX/XX/2018. On that statement, Seterus, the servicer failed to account for receiving my mortgage payment on time, on XX/XX/2018. I have proof of payment from my bank, showing the electronic transfer being received by Seterus ( attached ). 
Instead however, Seterus dated my XXXX mortgage statement on XX/XX/2018, five ( 5 ) days before the date the payment is considered late and assessed a late fee. 

Again, XXXX received my mortgage payment on time and I have proof. Nonetheless, they assessed a late fee -- this is in violation of the Note and Deed of Trust, which states the payment is not late until the XXXX of each month. 

This must be a newest/lateest tactic to assess late fees .. telling the borrower he/she is late even before the late fee can legally be assessed. 

Moreover, my XXXX mortgage statement was not received in the mail until XX/XX/2018. It does not take 10 days for the mail, so the fact that the statement is dated XX/XX/2018 means they held on to it before placing it in the mail. 

This company should not be servicing loans. 
A few months ago I was forced to file a complaint because for over 1 year Seterus refused to send me my statements in the mail. 
And, now that they have finally started sending me my mortgage statement in the mail they are assessing late fees prior to the date they are legally entitled to do so.