23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have concerns regarding the notification I received about the debt and the lack of information provided to verify its validity. When I contacted Huntington Mortgage seeking clarification on the validity of the debt, I did not receive any information or documentation supporting the existence of this debt. I believe that as a responsible customer, I am entitled to receive sufficient information to verify any debt reported in my name. Upon reviewing my credit report, I noted that the mentioned account is inaccurately portrayed as a late payment account with a balance due. This misinformation adversely affects my credit score and raises questions about the accuracy of the reported information. Please find the details of the account in question below : HUNTINGTON MORTGAGE CO XXXX Date Opened : XX/XX/XXXX  Balance : {$170000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Debt collection

This company, claiming to be a credit card company, claims I opened an account with them, a credit card, and are claiming I charged over {$600.00}. I didn't know this until I looked at my credit report. 

I have never heard of this company, apart from commercials. I have never opened an account with this organization or any of its affiliates. I only possess debit cards from my bank and do not own any credit cards. I have never opened an account, line of credit, loan, et cetera, without my sealing the contract with my wet signature. I never have and never will " sign up '' for anything electronically or online. 

I have already demanded via email to be shown the contract this entity says I agreed to, opened, initiated. They have yet to show me a contract with my signature thereon to prove this. And again, I have never contracted with this organization in any way. 

This derogatory entry on my credit report has damaged me. I demand it be pulled immediately, as it does not belong to me.
Product: Credit card

Chase has a misleading payment visual for their credit card system that clearly generates accidental late fee revenue for them. 

if you attempt to pay your credit card, after selecting the amount, you click on a button that says " Pay this bill. '' You then receive what looks like a confirmation page but there is a second button if you scroll down that then says " Pay it. '' If you do not click on this second button, your payment will not go through. 

I have informed them multiple times that this generates confusion. I believe they have done it as purpose to generate revenue and that it should be considered a deceptive business practice. It's designed to make you think you have paid your bill when you have not so that they can charge you late fees.
Product: Debt collection

On XX/XX/XXXX, our loan was transferred to a different company. The letter concerning the transfer stated that if we had already started automatic payments with the original company we would not need to do anything else. ( I can provide a copy of the correspondence ) Automatic payments had been initiated since 2020. 
On or around the XXXX of this month we began getting texts from an company number stating that they were attempting to collect. The texts became more and more frequent. the harassing phone calls began shortly there after. Never once did they Identify what " debt '' they were trying to collect. 
Finally an Email from a third party debt collection party stating the amount due let us know the refence to the debt. 
Our account has never been late and was always paid automatically. Now they are going to post a late payment on our credit, not because of us, but because of their clerical short comings.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Equifax consistently responds within 24 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. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate. None of which have account numbers listed in my report. 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: Checking or savings account

i previously filed a complaint and my issue still persists, when my account was closed i was still able to have access to my bank login so when i called credit karma i would be able to talk about the issue at hand but now im not able to because the customer service does not allow you to talk to anyone if you do not have a credit karma account so i no longer have access to speak to someone about my check, not only did they close the bank account with no information on why, not only did they not accept my documents to update my address before they closed it but they sent out a check to a address not on file. I called multiple times and was told that the address would be changed multiple times and the check still went out to the wrong address, which caused someone to take the check and try to cash it under my identity, i had to clear my credit due to credit karma letting my personal information go to an address that they knew i was no longer at. They were supposed to be checking my utility bill i uploaded but instead they sent a follow up message saying i did not reply so they will be closing the case. Even though they said they were checking on the utility bill i uploaded. I sent a message and replied to the thread and its 9 days later and i still have no reply in email. This is a urgent case and my account has been closed from since XXXX XXXX and we are not going into XXXX and i still dont have my check, after this is resolved i would like to file a bank negligence claim.
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 systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 ammend the disputed accounts, as Experian 's inaction violates Federal Law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX, NA Account Number : XXXX XXXX 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

My identity has been compromised, several accounts has been open under my name without my authorization or knowledge. I am unaware of these accounts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



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  INACCURATE ADDRESS, I HAVE NEVER LIVED AT THIS ADDRESS. 
XXXX XXXX XXXX XXXX, CA XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX XXXX XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX XXXX OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, ( Your Name )
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CREDENCE RM ( Original Creditor : XXXX XXXX XXXX ), balance is {$730.00}, and account # XXXX.
Product: Bank account or service

Citi Gold Checking Account Promotion not honored. 
I had applied online for Citi Gold Checking account on XXXX/XXXX/2016. After that I did n't received my debit card for few days and so I called Citi bank on XXXX/XXXX/2016 requesting to expedite the delivery of debit card and same time I confirmed the promotion offer that I would be honor for opening new Citi Gold checking account. The name of customer representative was " XXXX '' and she mentioned that after making debit card purchase of {$1000.00} or more in 60 days and making atleast one bill payments for two consecutive months I would be receiving XXXX AAdvantage XXXX miles into my XXXX account after meeting the requirements. I have met the requirement for the promotion offer and now when I contacted Citi bank they refuse to honor the promotion. I would n't had mind if they would have informed be that I would n't qualify for promotion offer on XXXX/XXXX/2016 itself or at the time of application. But since I informed that I qualify for the promotion offer on XXXX/XXXX/2016 by XXXX so I think Citi Bank should honor the promotion offer.
Product: Student loan

MOHELA reported my account as delinquent and shows a late payment. My account has NEVER been late and is certainly not delinquent. This is ruining us closing on our home purchase. I have spent several hours at a time on multiple occasions trying to reach a live agent to help me. The few times I actually reach someone after a two hour plus hold time, they transfer me and the call drops. I have tried emailing and messaging with no response. MOHELA is literally ruining my life.
Product: Credit card

On a visit to a nightclub in XXXX, XXXX several unauthorized charges totalling over {$9000.00} USD were incurred on my credit card - I also lost the card that night and reported it as lost to Capital One the following morning. 

I initially filed a fraud claim for the unauthorized charges, but that was declined because as I was physically at the club for part of the night - they then transferred this to the dispute department and that was also declined as the merchant claimed the actual receipt copies I provided were not from their establishment, but those are the only receipts the merchant provided to me and these are the charges I was expecting to pay for. 

The interesting thing is the timestamp of the receipts I provided are around the same time the other fraudulent charges were incurred so do n't understand how I could be in XXXX places at once. 

Additionally, I did some internet research and found out that this merchant has been involved in several other credit card fraud complaints - I also provided this information to Capital One, but that was not taken into consideration. 

One of the fraudulent charges is for {$5000.00} and another is for {$2500.00} - these are quite huge amounts and yet I did not receive any alert or phone call from Capital One to indicate a possible fraudulent transaction or get confirmation on whether I approve the charges .... However, I was in a bad part of XXXX once and made a {$35.00} purchase and that triggered a call about a possible fraudulent charge. 

I have not made any payments for any of the amounts claimed by this merchant and I have stopped using this credit card - please let me know what options are available as this is grossly unfair and seems Capital One does not care about my side, but I do feel they should bear some responsibility for not alerting me before authorizing such huge charges, especially in a foreign country.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) 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 investigation ; and Account Name : 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

I am filing a complaint against JP Morgan CHASE Co in connection with fraudulent attempts to collect an alleged fraudulent debt. On XX/XX/XXXX, an envelope I sent to JPMCB with a validation fo debt letter, and cease and desist letter was delivered to the bank. The Validation of Debt letter explicitly demanded a list of documents to verify the validity of the alleged debt. The letter demanded a response within ten days of receipt of the letter. JPMCB failed to comply to my time request. JPMCB also failed to provide any verification of the debt nor any of the documents I requested. The documents requested included : " The amount you claim the Principal owes.- An explanation showing me how you have computed the amount. The identity of the Original Creditor. Copies of any documents that prove I agreed to pay the alleged amount. Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. Evidence that you are a licensed debt collector. Evidence of your license numbers and your registered agent. '' In this same envelope, per the cease and desist letter, I demanded that CHASE : - Zero out the balance on this account.- Leave this account open and in good standing.- Delete this accounts reporting from all consumer reports. JPMCB failed to comply to my demands.

Over thirty days past the delivery date, I still have yet to receive a response from JPMCB. On XX/XX/2022 - my statement of facts pertaining to the violations made by the company against me were stated. I also included numerous exhibits to back my statement of facts and all violated codes pertaining to these facts to my case. I included a bill of particulars to demand remedy for JPMCB to alleviate the damages made in connection with the fraudulent collection attempts, fraudulent furnishing of my CRA accounts, and fraudulent basis of the alleged debt altogether due to the absence of any and all proof.
Product: Credit reporting or other personal consumer reports

Mail in certified letter XX/XX/XXXX Bureau have yet changed the date of birth XX/XX/XXXX. Thats not mine on Equifax XXXX. Ive sent in ID packets with passport and drivers license. Have yet got my birthdate, correct. Also XXXX XXXX XXXX account XXXX. They have yet cleared this off of my credit report he wrote out charged off.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Thanks
Product: Debt collection

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometimes on XXXX, XXXX, I recently received a collection letter from CREDENCE RM, trying to collect on an alleged debt with XXXXXXXX XXXX XXXXXXXX I need this collection to stop contact me regarding this Debt because it's not mine and it needs to be remove from my credit report, because it is part of an issue with Identity Theft and that account has been re-inserted. That account was disputed on Identity package that was submitted XX/XX/2020 ( See attachment ), I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Product: Mortgage

I consumer XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2016 that included a finance charge. Under the provisions of XXXX XXXX XXXX XXXX a ) when a consumer credit transaction involves a finance charge, that is the SUM of all charges. I also put a downpayment down in which is also illegal because a finance charges doesn't involve and comparable cash transactions. I also wasn't given my disclosure of my right to rescission. This must be given to the consumer and it was not disclosed to me during this transaction. I extended my credit to them and granted them the right to extend it back to me under the provisions of XXXX XXXX XXXX. I sold my security interest to them and I'm not obligated to pay any debt under XXXX usc XXXX. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights. It is illegal and against my federally protected consumer rights to pay a monthly payment on a positive balance. PENNYMAC mortgage is a third party debt collect who didn't not have my permission to contact me regarding debt. PENNYMAC illegally obtained my information without my permission. I do not have a contract with PENNYMAC MORTGAGE and they have infringed upon my right to privacy as the consumer under XXXX XXXX XXXX. I am demanding all payments be returned. XXXX has threatened to XXXX XXXX my abode location in which is also illegal under XXXX XXXX XXXX. They can't not take legal action in this manner. PENNYMAC can not validate any debt to myself as the consumer. XXXX is not the holder due course on this account. I'm demanding that they show documentary evidence of this alleged debt that I received an allege loan from them. XXXX XXXX XXXX states that the United States is responsible and I am not responsible or obligated to pay any debt under the FDCPA XXXX XXXX XXXX. PENNYMAC has ruined my financial reputation and has threaten to take my property under fraud. PENNYMAC has sent false and misleading statements in a positive balance.
Product: Credit reporting or other personal consumer reports

I asked them to investigate the accuracy of their reporting. They have tried to re-aged my account with them on many occasions. They have not responded to me in any form whatsoever. It has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off two collection accounts with the XXXX XXXX XXXX XXXX XXXX. Both accounts were charged off and sold to a collection agency by the name of XXXX XXXX XXXX. The accounts are showing I have a balance on my credit reports. The items should be marked Paid Collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I spoke with XXXX regarding the reporting of a XXXX XXXX Holding Acccount that was closed. The information was subsequendtly updated as accurate- no late payments. I contacted the creditor and they advised they would update the report which they did in the past. Today XX/XX/XXXX, I looked at my report and XXXX XXXX reported me as being late in XXXX and XXXX again, whch is totally inaccurate. XXXX keeps allowing the creditor to report inaccurate information on a closed account that was last reported as accurate in XXXX. 3 years later we have a activity of late paymet activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that there was not a through investigation done for my credit report and it return with updated information now was given to me as an update result the account from XXXX  XXXX  account amount {$2100.00} is not mind.
Product: Debt collection

I have disputed this issue with the company ( conns ) multiple times and even reached out to them on three different occasions in regard to this debt the company stated that the debt was in regards to a television which I do n't have and have never had.The debt which is being owed is an extremely large amount which I would NEVER finance for XXXX. Please assist me with getting this collection resolved. I have never even gone to this company and when I asked them how did I get the tv to my home they said that I carried it. how would I ever do that?