23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company refuses to remove medical debt that IS in litigation, the debt is a result of a motor accident where it was deemed I was not responsible ( hit by a driver who was texting ) The XXXX lady whom I spoke with told me " it is our policy to place a negative remark on credit file until you pay '' I reminded her that they have a lawsuit lien ( which makes sure they are paid first ) she confirmed ALL of my attorneys info, the lawsuit filling number in XXXX XXXX, my correct address, DOB. 

Despite telling this lady over and over again that it is in litigation and destroying my credit, ( even after the law changed regarding medical bills ) the lady said that it would not come off my credit file until she gets paid, the are not required to follow as they have their own policy. 

I called the doctors office whom I received treatment from, explained the situation to them and was told again that its their policy to place on credit file until paid, even if there is a lawsuit prohibiting me paying directly they have to get paid before removing. 

I have spent 5 years rebuilding my credit following a bankruptcy due to identify theft. I can not pay off this debt as it is in litigation, I can not get the debt pulled until it is paid, the XXXX lady is literally quoting practices that do not exist. 

They also call and hang up after 1 ring ( common creditor practice in this area ) they claim its to make sure the number still works, and so on, however its then used to make you go before a judge saying you wont take their calls. 

I have directed all communication through my attorney, however this is part of a crash claim that is being settled by XXXX XXXX ( the defendants insurance ) and the collection agent will not honor any request other than my attorney paying them direct. My credit has dropped XXXX points because of this hostage scenario
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX XXXXi, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/report.
Product: Mortgage

We are trying to get Freedom Mortgage to release the latest deed that was generated back in XX/XX/2020. The original loan officer directed me to their servicing department who in turn tried to forward me to the title company, refinance department, and finally, their closing department who is trying to redirect me back to the loan officer. 

Every time that I call them, I had to be put on hold in order to talk to multiple agents who tried to help. Sometimes, they even tried to connect me to another loan officer who tries to refinance my loan to another lower rate while I am trying to get the said deed released. At the end, I was being told that the loan was closed out/ cancelled or withdrawn. 

Then, I have to speak to another department. This entire process is a big waste of time and resources. Not to mentioned that I am being financially deprived of the time and better deals that are available to me. 

I have notes, dates and several names of the agents that I spoke with regards to this process because I have a feeling that they are going to send me a to a while goose chase!
Product: Money transfer, virtual currency, or money service

XX/XX/2023, {$7500.00}, I reported to my bank, and I contacted XXXX customer service to help, but they could not help me. My bank denied my claim and told me I authorized all these transactions. Which I did not. 

XX/XX/2023, {$15000.00}, I reported to my bank, and I contacted XXXX customer service to help, but they could not help me. My bank denied my claim and told me I authorized all these transactions. Which I did not. 

XX/XX/2023, {$18000.00} I reported to my bank, and I contacted XXXX customer service to help, but they could not help me. My bank denied my claim and told me I authorized all these transactions. Which I did not.
Product: Vehicle loan or lease

Fraudulent Contract- new complaint with both Credit Acceptance and XXXX XXXX XXXXXXXX XXXX XXXX. 
Failure to supply me with a complete copy of the contract and forgery of my electronic signature on at least two ( 2 ) documents the Credit Acceptance Disclosure form which has an electronic signature and and a XXXX XXXX vehicle service contract with my electronic signature nether of these were explained to me showed to me or authorized after by me that is why they were not supplied to me. or supplied to me with the 5 page copy of the contract i XXXX given nor was nor was the declaration of electronic signature form the first time i laid eyes on the XXXX docs was when i filed a previous complaint XXXX and they responded with an attached copy of these docs they are forging electronic signatures on disclosure notices and extended warranty and supplying customers with the documents. see attachment one for what i received from the dealership ( when there copying machine gave me a unreadable copy. see attachment two for what credit Acceptance sent to the CFPA. 

on or about XXXX i stopped in to possibly purchase a car From XXXX XXXX XXXX XXXX XXXX after test driving i decided to possibly purchase a XXXXXXXX XXXX XXXXs. XXXX XXXX informed me that the price of the the car was XXXX and if i could not afford the full price he had a couple of people i could call that could possibly finance me. talk to the first people who told me it would take or two before he could approve or deny me so we contacted the second choice Credit acceptance. a short time later a credit acceptance agent showed explaining the situation to this unknown name credit acceptance agent stepped into the role as a dealer as the dealer went outside to show a couple with a XXXX  several cars this agent who had another credit acceptance agent with him he was training. a possible witness. this agent while preparing the contract made several calls and at one point ask how much money can i come up with to get this deal push thru i told him XXXX i personally believe beside this dealer/ credit acceptance agent violating multiple TILA laws failed to disclose all sorts of things as noted in my previous complaint of which Credit acceptance answered only 3 of 9 claims when i called them about there response she said its perfectly legally to sign a contract with a nick name. which i find quite odd if my nick name is XXXX XXXX i am sure i cant file that on a legal document. Further when i ask there representee about the contract being assigned to CA obligates them she informed me that there position is what is between myself and the dealer is not between CA totally overlooking the fact it was a CA agent acting as a dealer who created the fraudulent contract and forged an electronic signature then purposely with held those docs to gain and upper hand.
Product: Mortgage

Wells Fargo has been trying to collect monies for a force placed insurance on my home. We have provided them with proof of insurance in the past multiple times and in the present time for them to update their records and remove that fee from our account as we are trying to pay off the existing loan. However we need the correct payoff without those additional insurance fees. It has been over 3 months dealing with them on this issue with no result. They don't even know when that forced policy was placed nor do they have proof that we were even sent a policy nor a bill prior to now. However, after doing some research I have found new evidence today that shows that back on XX/XX/XXXX Wells Fargo sent me a Notice of Right to Cure Default ( Real Estate ) and added late fees, past due payments they claimed we did not pay, along with the forced insurance policy. A response with proof of payment, proof of insurance was faxed to Wells Fargo on XX/XX/XXXX and at that time we should have been cleared of all of those charges. We have dealt with various insurance requests from Wells Fargo and we have complied and provided proof every single time. Also, our insurance agent provided proof of insurance along with contacting them to ensure that they had insurance information and even sent a new policy reflecting Wells Fargo on the policy instead of XXXX ( they had merged/or purchased XXXX ). After my response with regards to the Notice of Default I demanded that I be mailed proof of all issues being cleared up and Wells Fargo mailed us a Verification of Mortgage dated XX/XX/XXXX reflecting our account was in fact in good standing, those fees were removed and payments made that they claimed were not made were already processed by them. That Verification of Mortgage reflected our true balance at the time and showed only 1 late payment for the last 12 months on that year. Therefore, we have more than enough evidence that this forced placed insurance policy issue was resolved immediately and should not be an issue now in XXXX. Aside from the fact that after that Verification of Mortgage we never received any other bills or requests to pay for that forced insurance policy nor did that ever show up on any of our monthly invoices until approximately 3 months ago when we noticed said additional charges on our invoice and then we started to investigate the matter and finally filed various complaints against Wells Fargo. They are trying to collect monies from us that are not truly owed by us. At first they even claimed that that forced insurance policy was done back in XXXX however that was a XXXX account back then and we still provided proof of insurance to them for the year XXXX. We can not seem to get Wells Fargo to understand that this issue is not from XXXX but from XXXX however it was resolved. This is a matter of someone who did not update their system ones proof was sent and now years later they want to collect something they never even paid for. Thank you for your consideration on this time sensitive issue.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I contacted several representatives from the debt collection agency regarding a delinquent account of {$1700.00} that I believe does not belong to me. I requested concrete evidence linking me to this account for identity verification purposes. They informed me that I would receive updates within 30 days, or the account would be removed. However, on XXXX XXXX XXXX, a lead supervisor told me the notes were still under review. I followed up by emailing Jefferson Capital on XXXX XXXX XXXX and XXXX XXXX XXXX requesting the removal of my name from any false accounts, but I did not receive a response. I have had several debt consultants attempt to address this matter with JEFFERESON CAPITAL SYSTEM and they refuse to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in all the proper paperwork to show i had identity theft to each of the credit bureaus months ago and they still have not removed the accounts
Product: Credit card or prepaid card

To Whom It May Concern, Bank Of America closed my account without notice or any type of communication. 

Since XX/XX/2021, my account balance is {$6000.00}, and I still have {$12000.00} left to be claimed. 

I stopped certifying for benefits when the bank closed my account. 

There was no reason to keep adding more money, I can not access. 

Bank of America froze my account and will not open it. 

I can not tell you how many times I have called XXXX and Bofa. 

They tell me to call and have the other party sort it out. 

I am a XXXX man. I told the Bank of America manager I spoke to I would not go, but helpless and not knowing what to do and desperately needing the money, especially during the holiday season, I went anyway, to 2 branches. 

Both branch managers said the same thing. They told me they could not help me, and to call the number on the back of the card and explain to the representative that answered, both branch managers said they could not help. 

Since I am a prepaid customer, I have no account number, they can not verify me. When I called Bank of America back, they agreed with what the branch managers had said. 

My account has been closed since XXXX. This last time that I called XXXX, the tier two specialist I spoke with told me that my identity with XXXX was verified, there was no issue with my account, there was nothing she could do or say to Bank of America because once XXXX sends the money to Bank of America XXXX Bank of America doesn't want to hear a word XXXX has to say. 

The tier two specialist said the best thing she could do was add more weeks for me to certify so that when they were paid, I could call Bank of America and say XXXX just added more weeks so that Bank of America can see there is no issue with XXXX and Bank of America is full of it. The specialist was furious with Bofa and how they are treating me. She said to call them again now, and if they do not open your account, call your local assembly member or CFPB. 

As I stated, I am XXXX XXXX XXXX. I can't risk my health standing in line for hours for no reason, as I was told going to the bank will not help me. Also, I have restricted my direct exposure to public places with great diligence. 

It is my duty as a husband, father, and grandfather to protect my family and I will be XXXX if Bank of America thinks they can freeze my hard earned benefits because they want to hold on to every dollar of the federal pandemic money they were trusted to properly manage on behalf of XXXX and the citizens of XXXX.
Product: Credit reporting or other personal consumer reports

Due to a data breach with all 3 credit bureaus. Errors on the data that is being reported to all three credit bureaus. All charge offs, closed accounts, bankruptcy information, late payments, hard inquiries, soft inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern : i am reporting a Wrong address address that is being used to Commit fraud i do not live at [ XXXX XXXX XXXX XXXX XXXX ca XXXX ] and it is connected to accounts on my Consumer profile that is Fraudulent ive attached my ID and and bank statements from Previous years from current
Product: Checking or savings account

I got paid today and Arvest Bank garnished 100 % of my direct deposite leaving me and my XXXX XXXX with no funds for food/gas or any other badic services. Arvest Bank did not care neither garnished a percentage
Product: Debt collection

I do not know who IC System is, claiming XXXX and a debt of {$120.00}. 
I have not had a XXXX account since XXXX and, as this is XX/XX/XXXX, this claim was opened in XX/XX/XXXX, does not appear on my last full report dated XX/XX/XXXX. This is likely fraud and should be removed one way or the other.
Product: Prepaid card

AMEX GIFT CARD XXXX Expiration date : XXXX/XXXX CVV : XXXX {$50.00} gift card. Balance as of XX/XX/25 is {$49.00}. 

I have tried using this gift card several times at XXXX, XXXX XXXX, XXXX XXXX and they all deny the transaction. The merchants state the bank is denying the transaction. AMEX states the funds are available. Simply, I can not use this card to purchase anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. Please remove the negative items as soon as possible, because it is hurting my credit. 


XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Consumer Adjustment Company, I do not have a contract with this company, and they did not send me the original contract as I requested.
Product: Credit reporting or other personal consumer reports

XXXX is furnishing XXXX accounts on my consumer credit report that are being reported with another services. Therefore, XXXX is reporting the same accounts twice and did not remove the reporting once sold to another servicer. XXXX is direct violation of my consumer rights by furnishing inaccuracies on my consumer credit report according to the FCRA. There should be no XXXX reporting accounts on my consumer credit report.
Product: Credit reporting

XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows 4 late payments 120 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, XXXX, and Transunion.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section 605, you are obligated to delete any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been 3 main issues with XXXX XXXX Initially they did not have a phone number to call and fix my payment issue. 

When I finally got a hold of them they put in my payment info in incorrectly I paid it off in XXXX and they continued to put additional lates on my credit after balance was paid off Because of the issues above they have put lates on my credit report and they need to be removed
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I used XXXX XXXX for about 2 years in the following address : XXXX XXXX XXXX XXXX, NJ XXXX I moved out from this place XX/XX/year>. I return my only router to their local office XX/XX/year> and asked them to close my account. The staff in the local office refused to close the account and asked me to contact their customer care. I contacted the customer care at XXXX and automated system promised to call me by in XXXX minutes regarding my account closure. I never received the callback. 

Afterwards the company asking me pay for the {$60.00} internet bill for XX/XX/year>. I never used their internet service in XXXX and tried my best to close the account in XXXX. I didn't have any mean to use internet as I returned my only router. 

I contacted the company and disputed the bill over phone. They company delayed the dispute decision and never informed me. I called them and learned the dispute was denied after months. 

Now, the company send the bill for collection and I got a notification on my credit report. 

I think that the company intentionally make the account closure difficult and looks for loopholes to get additional money from consumer.