23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have now received 2 calls threatening to serve me papers or take me to court regarding a XXXX/Victoria's Secret credit card that was discharged in bankruptcy over 4 years ago (the original debt would have been about 10+ years old now). The first call came a few days ago from an unknown number where the woman did not identify herself or the company. I suspect the caller was from XXXX XXXX   because I did hear a phone number during the transfer and it had a (XXXX) area code. I, however, did not get to write down the number. The woman who called was hostile and told me to "pay my bills" and "not buy things I can't afford" when I told her the call was illegal because the debt had been released in bankruptcy and would have been time-barred anyway. She continued to insult and threaten me with legal action for a few seconds then promptly hung up before I could say anything else. Today, I received another call (from a different area code) about the same debt. The recording identified the company as a "XXXX XXXX XXXX." I believe this company has called me before. The man I spoke with knew my name, birth date, full social security number, etc. He said there was a civil case against me pertaining to this debt. When I told him the same thing that I told the previous caller, he said to "lose my attitude" and that he would "check on the bankruptcy, but I'll see you in court" and then immediately hung up before I could tell him that I was going to report them. Since declaring bankruptcy after a financial hardship, I have established excellent credit and payment history. I do not have any outstanding debts, and I do not have an account with XXXX/Victoria's Secret. I am tired of still receiving harassing calls over a debt that I legally do not owe and haven't for several years now. Additionally, I find it extremely concerning that companies with no valid reason to access personal information such as a social security number can so freely access this information -- it is no wonder that identity theft is so rampant.
Product: Checking or savings account

I am trying to link my account to XXXX through XXXX and it won't accept my information and stated to file a complaint
Product: Vehicle loan or lease

I purchased a vehicle from Credit Acceptance in 2016 with gap insurance and a warranty. Shortly after purchasing the vehicle started to have problems staying on and during driving. I contacted credit acceptance and informed them to come and get the vehicle which they did not comply. At the time the vehicle had stop running and is no longer running. Despite my request, CAC sent me a discharging the lien of the vehicle and put the balance on my credit. I do not owe this company as a result of their action
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ] [ XXXX XXXX ] Re : Dispute of Personal Information, XXXX, Experian I am writing to dispute certain information on my credit report. After reviewing the report, I have identified discrepancies related to my personal data. I request that you investigate and correct these inaccuracies promptly. 
The disputed information is as follows : 1. [ Specific Inaccuracy ] : the incorrect information in detail hard inquiries, wrong address,, misspelled name ). 

Hard inquiries XXXX XXXX XX/XX/20XXXX 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. Investigate the Disputed Items : Verify the accuracy of the information with the relevant data sources. 
Provide me with evidence supporting the validity of the reported data. 
2. Correct the Errors : If the information is indeed inaccurate, promptly update my credit report to reflect the correct details. 
3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the corrections made. 
Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days of receiving this dispute letter. 
Enclosed, please find copies of relevant documents supporting my claim ( if applicable ). I appreciate your attention to this matter and expect a timely resolution. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] Remember to send this letter via certified mail with a return receipt to ensure proper documentation. Keep copies of all correspondence for your records.
Product: Payday loan, title loan, personal loan, or advance loan

I have gotten no replies or contact from possible finance, they have no phone numbers to contact a support only email service which has not replied to me ever. My credit is taking damage from the loaner and i have been trying to settle my {$76.00} balance for a while without any help from the company itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I attempted to freeze my credit report with Experian multiple times using their web site ( https : //www.experian.com/ncaconline/freeze ), 3 times with my PO Box number and 3 times with my home address. Each time I got the message below. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 


Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, P.O. Box XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently.

Experian Security Freeze PO Box XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

am filing this FTC Identity Theft Affidavit to report 9 fraudulent inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all inquiries activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agencies XXXX XXXX Name : XXXX XXXX XXXX, Social Security Number XXXX XXXX Consumer Date of Birth : XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. This have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned, hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Checking or savings account

When Simple transferred to BBVA on XX/XX/XXXX I was unable to access my account information, receive deposits to my account, or use my card. Using the customer support line provided resulted in long wait times, and the line would hang up on me multiple times. There was no other customer support provided and no information on when the problem might be resolved. I had to call a local branch in a different state to have my account password reset so I could access my banking info four days later on XX/XX/XXXX. Furthermore the information they provided me about my routing number staying the same was untrue, my routing number had changed making XXXX XXXX bounce and so I had to use a different bank to transfer my money into, I only found all of this out days afterward.
Product: Debt collection

XXXX XXXX XXXX of Bowen & Associates has called me several times on my cell phone and left voice mails, including to send someone to our home. I am a XXXX. The phone is listed in my name and the voice mails are addressed and intended for me. XXXX XXXX claims our family owed his client monies yet we have confirmed that the alleged, unverified amount is perhaps owed by my father 's employer. Our family does not have any ownership in that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts with XXXX Department of Education many times.The last time was XX/XX/2022. My name info is incorrect as well. My address is incorrect too.On XX/XX/2022 I put a fraud alert to secure my credit file. XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX . A collections account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have disputed with all these accounts they do not belong to me, please. 
Remove. In accordance with the Fair hearing Reportingmay make Act 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse line of information other than records or condition
Product: Mortgage

My mortgage company Ocwent told me if i pay my mortgage on time my PMI will drop in 5 years of payment, now that the time has come they will honor what they said giving me any excuse that i owe too much on my home, i received a letter from XXXX Department of Finance with my Market Value at {$380000.00} and i owed {$200000.00}, Ocwen will not even aknowledge the letter.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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, credit repair services, or other personal consumer reports

I disputed XXXX incorrect negative information and in doing so experian allowed them to make a monthly negative mark on my account every month that has and is effecting my credit every month. The account was a charge off on a secured credit card. Secured credit card is why I was disputing thr mark. How can I be charged negatively on a secured card that was secured with my money. This is overwhelming and is causing me great harm.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX  XXXX XXXX XXXX DEPT OF EDXXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my XXXX XXXX score on XX/XX/XXXX. There is inaccurate information on my XXXX XXXX. Transunion is showing in collections that I owe XXXX XXXX XXXX  Opened XX/XX/XXXX {$2700.00} Original creditor : 11 XXXX XXXX. This is all 100 % wrong and inaccurate. All the other credit companies have removed this from my file as I did not owe t-mobile anymore and this was a misunderstanding which was resolved by there customer service team. I just want accurate information on my credit report thank you.
Product: Credit reporting or other personal consumer reports

Filed Disputes : XXXX, XXXX, XXXX - Telephonic Disputes, Written Disputes - Electronic Disputes Inaccurate Balance / Inaccurate Late Payments Credit Acceptance not given authority to submit any personal information regarding any history without my consent. 

15 USC 6802
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I've been trying hard to avoid liquidation as they are holding a significant amount of money. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Mortgage

I filed for probate back in XXXX after my mom passed away. I was awarded the personal representative, executor of the estate ( copy attached ) from the courts. I provided that with my moms death certificate ( copy attached ) to freedom mortgage more than once. With those forms I should have been able to assume the loan to do a loan modification or several other options. Freedom mortgage refuses to accept them even when provided by the courts. They have been providing false info and sending me on impossible tasks to delay me and deny my rights to the property, in order to be thesuccessor of interest which according to them will allow me to assume the loan and look into my options from there. They now want a court order transferring the deed to me, even when Im the heir and executor of the estate. On a document they are requesting I found one dated to the original sale date it lists freedom mortgage as the successor ( copy attached ) So they are asking for a form that they have the rights to, making it impossible for me to get. Because of this they are not letting me take over the loan which would give me access to different covid programs and emergency funds to prevent foreclosure. Ive been trying for several years and they are still denying me my rights to my mothers home. I have been trying to work with them with no luck, now I have a foreclosure date of XX/XX/XXXX, which is in 3 days from now. From the false info and denying my rights to the home they have put in a bid already for the auction for {$150000.00} less than its worth. Also have investors that just happen to know people at freedom mortgage knocking on my door trying to scare me and force me to take a cash offer for under $ XXXX. I was trying to rent the residence so I could have income coming in on the property and allow me to look into more real estate. Now Im just a couple days away from the auction and looking at loosing the {$150000.00} in equity thats in the home where Ive been living for the passed 8 years. Living here prior to my mom passing, so this is my home and they are XXXX theyre way to kick me out so they can profit from the false info and denying me my rights to the home.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRIES XXXX XXXX, XXXX, {$1400.00} ; XXXX XXXX XXXX, {$0.00} ; XXXX XXXXr XXXX XXXX, {$670.00} XXXX XXXX XXXX, {$1000.00} ; XXXX XXXX XXXX, XXXX, {$7100.00} ; XXXX XXXXf XXXX, XXXX, {$500.00} ; XXXX XXXX, {$450.00} ; XXXX XXXX, {$740.00} ; XXXX XXXX XXXX XXXX XXXX, {$690.00} ; XXXX XXXX XXXX XXXX, {$660.00} ; XXXX XXXX XXXX XXXX XXXX, {$970.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 shall ( i ) 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. and according to 15 USC 1681s-2 they are supposed to 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, credit repair services, or other personal consumer reports

THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE XXXX XXXX ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( TRANSUNION, XXXX  OR XXXX XXXX ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  account at XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX total XXXX has violated my rights. 15 u.s.c 1681 section 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions I did not give no one on my credit report running instructions to put it on there