23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX credit card I had yesterday around XXXX central standard time. The date was XX/XX/23 they verified my name and account that they closed. They wouldn't let me clear my debt up. They then said they sold it, I asked to who, they refused to tell me so I could settle my debt with them. The refused to tell me anything. I am trying to pass this debt off and clear up my credit but they are refusing to TELL ME ANYTHING AND JUST CONTINUE TO DAMAGE MY CREDIT EVEN WORSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Chapter XXXX Bankruptcy reporting on my credit file. Reference Number XXXX I have verified with USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX They do not report or subscribe to XXXX or Equifax so how is it possible that you have verified this info. Remove at once or I will file a lawsuit and seek damages.
Product: Credit reporting or other personal consumer reports

CFPB, this company is in charge of the XXXX of consumers information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I spoke to a representative of and applied for a home loan through XXXX XXXX when the bank went to run a credit check on me they said that there must be a freeze in place from at least one of the 3 main credit agencies, I never requested a freeze from any of them though so this should not be the case anyway. I checked with XXXX and XXXX  both of which were really simple and easy and I was able to verify that there was no freeze from either of them. When I checked with Equifax even after multiple attempts they claim they were unable to verify me through their website even though the other 2 agencies worked just fine with the same information ( ss number, addresses both current and former, name, DoB ) and I was prompted to call their number. I did this multiple times both on XX/XX/2021 and XX/XX/2021 and I each time had to go through an automated system to enter in the same information that I already gave them again only to be again told I was unable to be verified. I then each time got on the phone with an actual person who again asked for the same info only to again tell me that they could not find a file on me and that If I want this resolved I need to fax or mail them copies of my social security card, state id and a form with other personal info. This does not seem like to should be necessary nor does it seem secure and seems to be a very irresponsible way to get peoples personal information. I also do not see how this can help them verify me when all those documents would just have the same information I have already given them multiple times. Them holding up this process by claiming they can not verify me when none of the other agencies had issues is keeping me from buying a home and putting my life on hold. And the way they want me to send them my information ( that I've already given them ) is insecure and irresponsible. And this is all for a freeze that I never even requested in the first place.
Product: Mortgage

Franklincredit management company is not proactively to released the lien on my property which court ordered for extinguishing since XX/XX/XXXX and they are using the tactic in case consumer lost their record and have to pay them again. I just recently apply for a loan in late XX/XX/XXXX that is how I found out I had outstanding lien against my property that I need to resolved. Luckily I had my bankruptcy discharge filed with county clerk as permanent record. When my new bank loan reached out to them and they had received the lien release request but they don't work it in timely manner and keep saying call us back next week. My bank called them in first week of XXXX and send them an email on XX/XX/XXXX and today is XX/XX/XXXX I called them and the customer name XXXX told me to call them again next week and hoping their vendor can get it done in the next two weeks. This lien should be taking care of back in XXXX if they respected court order strongly. This is causing a lot time delayed and frustrations. Just for consumers please filed your record with County this will back you up and save your money after 20 yrs later you decided to sell your property.
Product: Checking or savings account

I moved from XXXX XXXX XXXX XXXX  which is XXXX hrs away from the nearest Truist bank. I paid off a line of credit and tried to close all accounts in XX/XX/XXXX. They did not end up closing the checking account because I couldnt get to a bank in person. They then charged me an overdraft fee to a line of credit through the bank even though none of the accounts were active and had a XXXX balance. I then called back in XXXX to take care of it again and pay the fees they applied to my account. They again began telling me that I needed to do it in person and they couldnt close the account because it had a {$3.00} overdraft fee they applied on an empty account, I dont even have an active debit card for this account. After XXXX mins on the phone and being transferred around until finally ending at the branch I set the account up at, they said it was taken care, which it is probably not because it wasnt before. Also, the app constantly locked me out being of no use to retrieve information. I had to track down my old driver license that I havent used in 4 years to get them to access my account instead of just resetting my password. Then once in the account the only way to pay this line of credit if through the checking account which I have no easy way of accessing since I dont live near a bank.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX. XXXX XXXX XXXX ( creditor XXXX XXXX XXXX  ) XXXX. XXXX XXXX  ( creditor XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX. XXXX XXXX ( creditor XXXX  ) Derogatory marks : XXXX XXXX XXXX Hard inquiries by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other inquiries I have not approved of
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XXXX 2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit card

In XX/XX/year>, I enrolled in a payment program with Apple ( Goldman-Sach ) credit card. My payments were for a minimum of {$100.00} for XXXX  months. I made a payment for each month, even doubling up in some months. Apple surprisingly closed by account on XX/XX/year>. I was not given any notice nor informed via phone call, email, or chat that my account was in jeopardy of closure. In fact, I made several calls and have recorded chats with Apple in XXXX asking " specifically '' if my account was in danger of closure. I was assured that it was not at risk.
Product: Credit reporting or other personal consumer reports

My credit report was impacted by Equifax, XXXX and XXXX data breach resulting in my account being compromised. There are fraudulent accounts and derogatory information on my credit account that does not belong to me. Seek assistance to get them removed. Credit reporting agency refuse to provide any resolution.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act, the account : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, number : XXXX, has violated my rights. 
15 U.S.C 1681 Srction 602 A. states I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : Its also States a consumer reporting agency CAN NOT Furnish an account without my written Instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 consists of a credit account opened at XXXX XXXX XXXX XXXX ) derogatory items on opened XXXX, XXXX, & XX/XX/2023 under ( XXXX, XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 collections, or hard inquiries as reported. The Original creditor XXXX XXXX, account collections, were paid in full and discharged and i am provided supported documents of proof, XXXXXXXX XXXX  received Balance payoffs and confirmed all three payment certifications. All of the aforementioned accounts, collections, and hard inquiries are the result of credit reporting inaccuracies due to False reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a letter on XX/XX/XXXX informing me they contacted trans union and the inquiry on XX/XX/XXXX would be removed within 6-8 weeks. It has been 11 weeks and the inquiry is still on the report.
Product: Debt collection

Subject : Request for Validation of Debt and HIPAA Compliance Dear [ Wakefield Associate ], I am writing in regard to an entry on my credit report, account number or Reference ID ] which appears to be related to a medical debt. I am requesting verification and validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I am concerned about potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ) regarding the handling of my private medical information.

Under HIPAA, my medical information is protected and should not have been disclosed to unauthorized parties without my explicit consent. I am requesting confirmation that no HIPAA violations occurred in the process of reporting or collecting this debt. Specifically, I am asking for : Verification that you have obtained written authorization to disclose my private health information for debt collection purposes. 
A copy of any signed documentation that allows you to access and use my medical information in compliance with HIPAA regulations.

A complete accounting of how this debt was validated under HIPAA and FDCPA standards.

If you are unable to provide sufficient validation of this debt and evidence of HIPAA compliance, I respectfully request that you : Immediately cease all collection efforts related to this debt.

Remove the collection entry from my credit report with all reporting agencies.

Failure to comply with HIPAA and FDCPA may result in me pursuing further action, including filing complaints with the U.S. Department of Health and Human Services ( HHS ) Office for Civil Rights, the Federal Trade Commission ( FTC ), or taking legal action.

I expect a response to this request within 30 days from the date of this letter. Please send all correspondence to my address listed above. 

Thank you for your prompt attention to this matter.
Product: Credit card

On XX/XX/2025, I attempted to make a payment on my PNC credit card using my pnc checking account but did not intend to pay the full balance of {$3800.00}. However, the full balance was deducted from my account by mistake. Shortly after the payment was processed, I noticed that my credit limit had been unexpectedly reduced to {$500.00}, which significantly impacted my available credit. 

Upon realizing the mistake, I immediately contacted PNC customer service and requested a reversal of the excess payment. However, they refused to process the reversal, stating that my credit limit had changed. At the time of my payment, I was not informed of the credit limit reduction. 

This unexpected credit limit reduction and refusal to reverse my unintended payment have caused financial hardship. Despite multiple attempts to resolve the issue, PNC has been unhelpful and unwilling to offer a solution. 

I am filing this complaint to request that PNC : Reverse my unintended full balance payment and restore the correct payment amount. 

Provide a clear explanation for the unexpected credit limit reduction. 

Allow me access to the funds I mistakenly overpaid if a full reversal is not possible. 


I believe PNCs handling of this matter is unfair and misleading, and I request the CFPB 's assistance in resolving this issue.
Product: Debt collection

Navient recovery is using deceptive debt collection tactics to call. I received a weird deceptive phone call on XX/XX/XXXX. They used a third party routing company to call me at a business phone number trying to be deceptive. They need to immediately cease and desist any and all communications. Not sure what they are calling about and not sure why they call business numbers. Any alleged debt would be past the statute of limitations. The agent tried to ask me for my date of birth without identifying themselves deceptively.
Product: Student loan

To Whom it May Concern, I am writing to ask for a review of my qualifying payments under the Public Service Loan Forgiveness program ( PSLF ). My loan is currently being serviced by MOHELA and I have been approved into the PSLF program.

My employment has been certified for PSLF as follows : Approved Employer BEGIN DATE END DATE 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  Currently, when looking at my loan record in studentaid.gov, this results in a qualifying payment count of XXXX toward the required XXXX for PSLF. I am writing because this total is incorrect. There are dates missing in studentaid.gov that are simply missing. Throughout my qualified employment I did have periods where my loan was deferred or in forbearance, however, in addition to these periods, there are some dates when my student loans were being repaid that are simply missing. During the period from XXXX nothing has been tracked yet I worked for a qualified employer and I was making payments on my loan. It seems like my loan disappears into the ether during this time. 

I have called everyone I can think of, student aid, all my former servicers. I have repeatedly called Mohela for help and no one seems able to track down these missing 13 payments. As far as I can tell, XXXX consolidated my loan but neglected to start tracking it until 13 months after they took over as my processer. 

I really need credit for these months. They are a 10th of the progress I need to achieve student loan forgiveness. I dont know where to turn to figure out how to receive credit for these missing months. Please can you assist? 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.SCode 1681a ( 2 ) ( A ) ( i ). 

I did not give written consent or permission to any of the listed data furnishers to place the items in question on my credit report : XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX  {$910.00} XX/XX/XXXX XXXX  {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXX XXXX  {$1000.00} XX/XX/XXXX XXXX XXXXXXXX {$3300.00} XX/XX/XXXX I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it. 

On the date of XXXX XXXX
Product: Credit card or prepaid card

We have credit card that is paid monthly installments for XXXX years for XXXX total. Last payment was due XXXX with no further balance due. Then on XX/XX/31 a check was cut from our XXXX checking acct for the full {$11000.00} again, resulting in {$11000.00} too much coming out of our checking act. Wells Fargo said they will reverse it but it will take 30 days and I dont think that is reasonable. We also dont know how this payment was set up since we dont believe we instructed XXXX to make that erroneous payment. We want to know root cause of the request for payment and also to get the reversal payment processed ASAP and not wait 30 days
Product: Debt collection

I had a card with this company but closed it back in 2002 due to someone using it on XXXX. When I contacted the card company the admired they had mailed a duplicate card to California. I immediately paid the card balance and closed the card, they investigated and mailed me the findings along with the ladies identification and social security #. They also mailed my info to someone by mistake. For this reason I would never open another account with XXXX XXXX. I have informed portfolio recovery but they do n't return calls
Product: Debt collection

I financed a XXXX XXXX  through their finance company - TD retail card services. I was charged a monthly fee for insurance, which would continue after I had paid off the phone. I paid off the phone and the {$11.00} XXXX XXXX  charge, with the {$1.00} sales tax ( I think this is fraud also ) added for {$13.00} a month. According to XXXX, that would be for a maximum of 36 months. 
I got an email from XXXX stating the subscription order was cancelled due to reaching 36 months and all subsequent auto renewal orders were cancelled. So I did not pay the XXXX due in XXXX, for XXXX insurance on the phone. then I got calls- XXXX a day, to pay that XXXX. I logged in to my account XX/XX/2022 stating the above and to remove the late charges and the XXXX charge for XXXX and XX/XX/2022. Payment phone calls keep coming. They did not remove it. I contacted XXXX saturday, XX/XX/2022. the rep told me it was cancelled. I told him it was not, because I was getting about XXXX calls a day for payment. He said he would send it to the back office. I got no reference number - I was driving. 
I called again tonight, Monday XX/XX/2022, to see if it had been resolved. 
I was told XXXX ) it was cancelled for me by the rep again XXXX ) I had to pay the charges on the card with late fees etc are now probably closer to {$80.00} and XXXX ) no reference number for my issue. 
I told her the charges needed to be reversed and the late fees taken off, I was not going to pay those fraudulent charges. She said I had no choice, they would not reverse those charges. The XXXX number i had called- referred from chat online with XXXX  XXXX is XXXX.
Product: Payday loan, title loan, or personal loan

I 've recently downloaded the XXXX XXXX app where I can borrow money and pay when I get paid. On the app it is still saying that they do not have verification of when I got paid so I can not cash out for a payday loan because they are unable to communicate with my bank the State Employees Credit Union
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under XXXX XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX XXXX  for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry dates XX/XX/XXXX XXXX 

15 USC 1681 section 602 A. States i have a right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance {$3800.00} XXXX XXXX Balance {$15000.00}
Product: Debt collection

Eastpoint Recovery Group , Inc informed me via letter dated XX/XX/2021, that an alleged debt had been sold to XXXX XXXX XXXX. XXXX XXXX XXXX has not sent a deceptive and false letter attempting to collect an alleged debt, yet. The alleged debt has not been verified nor has it been validated. According to XXXX XXXX XXXX XXXX XXXX, the alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by XXXX XXXX XXXX fall under UCC 9-110 under Article 2 or 2A?