23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fraudulent account details : XXXX number : XXXX dates of service : XX/XX/XXXX XXXX XXXX XXXX address XXXX XXXX XXXX number : XXXX Waypoint has been harassing me for over a year. I have repeatedly told them to not contact me. I finally called in and confronted them and told them to provide me with all of the available information. I am not associated with any of the above information. The fraud has hit my credit. I have issued a fraud alert with XXXX and reported the fraud. Waypoint said they would send me an affidavit and never did. Instead they sent me a bill asking me to pay for half of the debt. I've repeatedly informed them that I do not recognize this debt. Today they suddenly told me to contact XXXX, which contrasts the previous times when they told me they would mail me an affidavit. When I confronted them about the lack of an affidavit they informed me that the bill were actually account details. Thinking that the whole thing was a scam I threw the bill away since the agent promised it would be an affidavit. This is completely untrue. I never received any information regarding an account in the mail. I had to demand the above information over the phone. I had them resend the actual account details in an email and have not received it. When I called again they then said it would take XXXX business days to send the email. For an email that is a ridiculous amount of time. I have since filled out an affidavit with XXXX despite not having an account with them. The lack of communication and honesty with both of these companies has been horrendous and I am completely engaged that I must now spend the next days trying to prove something that I didn't do and over something that I don't owe.
Product: Payday loan, title loan, personal loan, or advance loan

I have requested a decrease in the interest rate, and was only granted another loan term with just very limited decrease in interest. The interest is extremely elevated One Main financial only offered that I take out a new loan, this only caused more and more added terms to the loan. I have been stuck with this since XXXX to current. I have never missed a payment. 

I became very ill in XXXX with XXXX  XXXX and was on XXXX XXXX XXXX with my employer. I had already been offered XXXX coverage with OneMain financial in XXXX which was an added cost to the monthly loan installments, this benefit served as paying my payments on my behalf with small balance left for me to pay out of pocket.

I would like to dispute the practices and interest rates of my loan in effort to be debt free from this financial burden.
Product: Money transfer, virtual currency, or money service

I requested information from ATHENABITCOIN services that they confirmed they have and would provide for me. They still have not provided the IMPORTANT INFORMATION and is screening my calls. Instead of just simply providing me with the information as said they are simply neglecting to provide customer service. The information being withheld is causing great hardships and inconvenience. They even answer the phone not say anything and hang up I have recordings. They have recordings and I have email that they requested from me to get me my information. XXXX. Is the number on the account with Athena. The initial contact made with Athena I was assured BY the agent that they would PUSH this SIMPLE request through immediately because of the urgency of the situation. They have failed miserably to uphold any business standards. Are they hiding something? Why arent they producing the ACCESSIBLE information?
Product: Credit card or prepaid card

Citibank sent me an offer via email indicating a bonus of XXXX points with a new card. I got the new card and met the offer terms but no bonus. 

When I reached out to Citibank I was told this was because I had had a card with them FOUR YEARS AGO!!! So I dont know why the offer was sent to me in the first place. There were multiple opportunities to let me know about their supposed eligibility criteria but Citi never did that. 

Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting and XXXX XXXX XXXXXXXX Account # : XXXX has violated my right 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove all fraudulent activity off my credit report as it is hurting my ability to obtain credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been experiencing an ongoing issue that has yet to be solved. I have submitted in numerous of disputes asking for the following companies to validate the debt that they are claiming I owe. I have requested numerous of times to send the orginial contract with my wet signature claiming and showing documentation confirming that I owe this debt. I have not received ANYTHING from any of the following companies, yet they keep updating my credit reports. What are you updating it with if you haven't even sent me any documentation? I am becoming beyond frustrated at this point. Futhermore, I have been violated numerous of times under the FDCPA, and FCRA. Failure to provide me the orginial documents that I have requested within 30 days results in an automatic deletion. This is the last step I am taking before filing for ligitation.
Product: Vehicle loan or lease

On XX/XX/XXXX    I received a letter from  Toyota Financial Services ( TFS ) s tating that they paid, on behalf of me, {$110.00} to  XXXX   XXXX , Virginia for personal property taxes for th e 1st  half of  XX/XX/XXXX  (    XX/XX/XXXX -   XX/XX/XXXX  ) . My car lease was terminated with them   XX/XX/XXXX   so the prorated amount per  the county  was only {$72.00} for the year.  The county  verbally confirmed that, due to the " Secrecy of  In  formation Act '' t hey were unwilling/unable to provide me a copy of the bill or information as to whether or not the account had been overpaid and a refund issued to  TFS.  They stated as the Lessee I am technically not on the account and thus this information could not be released to me.   I explained this to TFS on   XXXX   when I called in and they indicated that they had no record of this and that if a refund was to be made to them it would take them upwards of 6 months to refund it back to me. I have experienced this inaction on their behalf before when they mistakenly double charged me personal property taxes for the year of  XXXX . It took them 6 months to resolve the issue before and that was with an excessive amount of action on my end as the consumer.  <P/> They were very courteous in the past but now that I am no longer an active customer to them I simply owe them money and are unwilling to look into this further for me. I fear I will not see this {$41.00} again as they have nothing holding them to customer satisfaction at this point, and  the county  is unable or unwilling to assist me.  <P/> In my opinion, with a potential 6 month waiting period interest should be tacked on to the money they owe me.
Product: Debt collection

I contact debt collector and request signed contract with them. They did not e one so I ask where did they get my social security number and date of birth then they disconnected the call. As per usc code 15 1681 my right to privacy is violated.
Product: Debt collection

The only debts that appear on my credit report has already passed the statue of limitations. This particular individual called the school district requesting to speak.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am getting constant calls from a company calling themselves Bay Area Credit. I do not owe anyone money and refuse to answer their calls, yet they call several times/day.
Product: Mortgage

I refinanced my mortgage with XXXX XXXX, which closed on XX/XX/XXXX. I prepaid my XXXX property tax at closing. The mortgage is now serviced by XXXX  XXXX affiliate Dovenmuehle Mortgage , Inc . 

The property tax was due in XX/XX/XXXX. Despite numerous messages through the " secure messaging '' section of website and phone calls I made to XXXX XXXX in XXXX and XXXX, my property tax was not remitted by XXXX XXXX until XX/XX/XXXX. I've attached the secure messages sent through their website. 

This cost me a tax deduction that I can not get back. 

IRS deduction limit is {$10000.00} per year in state and local taxes. I will have {$6800.00} in sales tax to deduct, and because of XXXX XXXX XXXX mistake, I will have no property tax payment to deduct to get me to the $ XXXX limit in XXXX. My IRS marginal tax rate is 35 %. So the XXXX late payment cost me {$1000.00} ( {$10000.00} - {$6800.00} = {$3100.00} XXXX 35 % = {$1000.00} ).
Product: Mortgage

In XX/XX/year> Citizen XXXX added XXXX taxes to my mortgage payment. In the State of XXXX XXXX Veterans that's XXXX XXXX are exempt from paying property taxes. I had my payment on auto pay but the declined the payment because it wasn't the correct amount ( once they added the XXXX taxes ). I had no idea this was happening. Once I figured it out I made phone call to get an explanation of how this occurred. ( I been living at this address for XXXX years ). I was put in touch with Lost mitigation to solve the problem. Lost mitigation also advice me to let them solve the problem before I made a payment. 
I received the lost mitigation package and sent them the paperwork they required at least XXXX before we got things straight. The Company deferred the payment plan until earlier this year.

For some reason Citizen XXXX company requirement a late payment in XXXX when it was actually no payment in XXXX per their lost mitigation department. I address the issue with the company and they replied that they didn't have a XXXX payment from me, Last month I received a returned payment check from the company for the month of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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: Student loan

Being sued for non-payment of a private loan, but do not have any records of taking out a private loan. Was not notified of any collection until the lawsuit and now wages have been garnished. Looking for documentation to verify original lender and what date the loan was issued, amount of debt actually owed, and when last ( if any ) payment was made toward this supposed debt.
Product: Mortgage

Status of change with employment, reached out to the mortgage company to request a deferment. This was submitted 7months ago, I have not been keep in the look or given any new information about what the process is looking like. Every attempt to email my rep directly comes without a response. So now Im selling my house as to avoid a foreclosure on my name. The only information I get is when I call them directly and I just get the same - we are behind, you wont lose your house, everything is on hold, etc however everything is not on hold as they are reporting to my credit. And they did tell me that they would fix that at the end of everything. I have never been in a situation like this before so Im not sure what to do other than sell my home before they respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with XXXX, XXXX and Equifax who has been reporting incorrect information for XXXX years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( XXXX ) as soon as possible. 

Sincerely, [ XXXX XXXX ]
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 XXXX XXXX  Account XXXX has violated my rights. Or a 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 XXXX 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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Type of disputed information : Secured Loan Dates with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : Account Name : XXXX XXXX XXXX Type of disputed information : Rental Agreement Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute XXXX Account Number : XXXX Account XXXX : XXXX. XXXX, XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of the XXXX Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe TRANSUNION handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested TRANSUNION 'S method of verification several times back in XXXX XX/XX/XXXX, and as late as XXXXXXXX XXXX XXXX
Product: Debt collection

On XX/XX/2017, XXXX, contacted my reference. She informed the reference that I had applied for credit. She used other misleading statements that gave my reference the impression I was attempting to open a new account. The employee also asked her to verify that I recieved my income via military retirement pay. This made my reference feel uncomfortable. The employee also asked my reference if she trusted me. I feel these aggressive and misleading collection practices are unnecessary for a loan that is XXXX payment past due, with a total balance of XXXX. The company employee also calls several times a day, leaving a voicemail each call. I attempted to resolve the matter with the employee on XX/XX/2017. She was rude and informed me that it was company policy to tell my reference my personal information about the debt. I informed her that a general verification of my name, home address, and phone number should have been sufficient. I feel that my references should not be told my source of income, the amount of the debt, or questioned about their level of trust.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunion '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 Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked inaccurate - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am filing this complaint against CAPITAL ONE Financial Services regarding a serious billing error, mail fraud, and trust malfeasance related to my credit card account. Despite multiple attempts to resolve the issue directly with CAPITAL ONE, I have not received any response to my written dispute letters. On XX/XX/ 2024, I sent a formal letter to CAPITAL ONE disputing a credit balance error on my credit card statements dated XX/XX/2024 XX/XX/2024, in accordance with 15 USC 1666B ( 1 ). Despite my attempts to resolve this matter, CAPITAL ONE has failed to acknowledge or correct the error. Additionally, I have sent XXXX follow-up letters, most recently on XX/XX/2024, and have not received any response.CAPITAL ONE sent a DEMAND FOR PAYMENT OF DEBT letter to me via U.S. Mail , which I believe contains false and misleading statements designed to defraud me, in violation of 18 USC 1341 . I requested proof of the services performed and documentation to support their claim, but CAPITAL ONE has not provided any such proof. CAPITAL ONEs continued refusal to respond to my lawful billing dispute and its failure to produce the necessary documentation raises concerns of trust malfeasance. As a consumer, I relied on CAPITAL ONE to act in good faith and fulfill their obligations under federal law. Their inaction demonstrates a breach of trust and fiduciary responsibility, especially given the substantial financial implications.CAPITAL ONEs actions, or lack thereof, appear to violate multiple federal laws : 1. 15 USC 1666B ( 1 ) : The Fair Credit Billing Act requires creditors to acknowledge a billing dispute within 30 days and resolve the issue within two billing cycles ( but no more than 90 days ). CAPITAL ONE has failed to meet these obligations. 
2. 18 USC 1341 : CAPITAL ONE may have committed mail fraud by sending a fraudulent demand for payment through the U.S. Postal Service, which includes misleading information designed to collect an improper debt. 
3. 15 USC 1666d : I am not liable for the disputed amount during the investigation, yet CAPITAL ONE has not responded to my requests, and I am concerned about potential negative impacts on my credit. 
4. Trust Malfeasance : CAPITAL ONE has violated the trust relationship between creditor and consumer by not acting in good faith to resolve my dispute. Their failure to provide supporting documentation and their lack of communication further suggest intentional malfeasance.