23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : California XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Mortgage

I had a 2nd mortgage with Ocwen Loan Servicing that I paid off in XXXX of XXXX. I currently have sold my property and during the title search that the lien on the property has not been released by this company. I contact them and they stated that the paperwork was returned no such address. Upon further investigation I discovered they sent the paperwork to the wrong county, It was never followed up on after that. I contacted them on XXXX XXXX, XXXX and they stated they would expedite the release and it would take approximately 5-10 days. It is now XXXX XXXX, XXXX and this lien is still not been released. I have had numerous conversations with XXXX a " Senior '' lien release officer and he keeps telling me 5-10 days repeatedly. Now they are saying they are going to have to research the company that initiated the loan. This is getting ridiculous and should not take this long to complete this release when it should have been done 3 years ago.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXXXXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$250.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$500.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$4100.00} Fraudulent Online Shopping or Payment Account Company or Organization : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$5000.00} Fraudulent Information on XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX {$490.00} ( XX/XX/XXXX ) i have disputed this account on multiple occasions i have asked creditor to send written validation of debt and they did not send any paper work i asked them to send me proof of my signature having a contract with them and they failed to do so i have spoken to original creditor they have told me that they were going to remove said account because there was nothing owed i never authorized them to give my information to this company LVNV FUNDING LLC {$690.00} ( XX/XX/XXXX ) i have disputed multiple times have asked them to stop calling me multiple times a day i have asked for validation of debt never got any correspondence back i dont know this company i have never signed any contract with them LVNV FUNDING LLC {$670.00} ( XX/XX/XXXX ) i have disputed multiple times have asked them to stop calling me multiple times a day i have asked for validation of debt never got any correspondence back i dont know this company i have never signed any contract with them LVNV FUNDING LLC {$680.00} ( XX/XX/XXXX ) i have disputed multiple times have asked them to stop calling me multiple times a day i have asked for validation of debt never got any correspondence back i dont know this company i have never signed any contract with them XXXX {$620.00} ( XX/XX/XXXX ) I DONT KNOW THIS CREDITOR ACCOUNT I NEVER HAD AN ACCOUNT WITH THEM AND THEY CLAIM I OPENED AN ACCOUNT WITH THEM WHEN I NEVER DID I HAVE DISPUTED AND CALLED CREDITOR WITH NO RESPONSE
Product: Credit card or prepaid card

Hi! 
My XXXX card is expired since XX/XX/XXXX so I'm not able to use it. XXXX deposit my unemployment last Monday XXXX XX/XX/XXXX XXXX and I'm calling since then but without success. All I need is a new card.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, my pay credit limit increased to {$500.00}. I consistently received payroll checks and maintained a recurring credit limit of {$500.00}. Over my last XXXX line-of-credit requests, which totaled {$410.00}, I managed repayments as required. On XX/XX/year>, I received a deposit of {$740.00}, which was promptly repaid. The following day, on XX/XX/year>, my payroll of {$1200.00} was processed. 

However, the {$740.00} deposit significantly impacted my credit limit, leaving me unable to reborrow a larger amount despite my ability to repay. This limitation exposed flaws in the functionality of the " XXXX XXXX '' line of credit program, which presents itself as a bridge to assist between pay periods. Instead, it appears structured to restrict access to credit, effectively undermining its stated purpose and causing financial inconvenience. This misrepresentation has resulted in an experience that feels misleading and counterproductive for borrowers seeking reliable financial support.
Product: Credit card or prepaid card

I signed up for paperless billing years ago and as a result would receive an email notification of my bill - when it's due, amount due, etc. I also downloaded the app so that when I do get the email notification I can go right on the app to make a payment. Capital One seemingly wants to make it easy and user friendly. 

Here 's the problem. 

Many, many months ago they stopped sending the email billing notification ( and also didn't reinstate the paper bill. ) I checked my email in case I had inadvertently blocked the email address ( I didn't ), and then went on the app to make a payment because I realized by now I must have been late. I was. And was charged late fees. 

Here 's what I saw on the app when I went to make a payment - a small notification at the bottom of the home screen that says if I wanted to keep getting an email billing notification I had to logon to the website at least once during the year. A. why is the app even available if it doesn't count that you use it to make payments? and B. why do I have to go on to the app to see this type of notice? 

It's pretty obvious that this is a tactic to collect late fees because people may not notice a missing email from Capital One. They don't send red flag SOS notices if you're late, or a notice to remind you to log on at least once to keep getting emails. I bet Capital One 's income as a result of late fees has close to doubled if not more. This was the first time I saw this notification on the app after using it monthly to make payments - the notice wasn't there previously. 

I ended up reinstating a paper bill which I also NEVER received. So, to confirm - no email and no paper bill. 

I closed my account today. 

It was all done through electronic prompt. I never got to speak with anybody about it - no customer retention or interest in why I was closing. Not unexpected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX  was reporting inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, balances, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
Product: Credit reporting or other personal consumer reports

in connection with the collection of any debt under provision 15 U.S.C. 1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer XXXX XXXX  and XXXX XXXX XXXX have had third party companies call me with threats for me to pay my debt and have given my info to other companies for collection. XXXX XXXX XXXX XXXX XXXXl retrieved the vehicle and my debt was not corrected as it was paid in full
Product: Debt collection

I keep getting repeated collection attempts by way of text msgs, I've tried to tell them to stop messaging me because they've already reported on my credit reporting.
Product: Credit reporting or other personal consumer reports

Account number XXXX XXXX XXXX Date opened XX/XX/2017 XXXX XXXX Has a delinquent account on my credit reports. I have never received any services and or goods from this company and is not responsible for this account because it was opened fraudulently without my consent.
Product: Credit card or prepaid card

On XX/XX/21 I lost my prepaid debit card. I last used my card the day before XX/XX/21 at XXXX XXXX  XXXX  XXXX. When I realized I lost my card on XX/XX/21 that evening when I arrived home, I immediately called for a replacement card. I was then informed by customer service that several transactions had taken place while my card was lost. The list is : XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXX {$280.00} XXXX {$26.00} XXXX {$75.00} I was told I must wait until the transactions posted to my account before filing a dispute. I filed on XX/XX/21. Approximately 2 weeks later my dispute was denied. I have since then made several calls and written several letters to appeal their decision. I also asked for the documentation they used to determine their decision. Ive gotten no answers nor help in resolving this issue. I did not authorize any of the transactions listed above, I need my money to be refunded to my account.Will you please help me. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX University for the ongoing inaccurate reporting of late payments on my credit report. Despite my repeated attempts to resolve this matter, including contacting XXXX University and the credit bureaus several times, the issues remain unresolved. 

Here are the details of my situation : Creditor : XXXX University Account Number : [ Your Account Number ] Inaccurate Late Payments Reported : XXXX entries since XX/XX/XXXX In XX/XX/XXXX, I received a letter from XXXX University confirming that I do not owe any balance. However, they continue to report multiple late payments to the credit bureaus, which is causing significant harm to my credit score. 

I have disputed these entries with the credit bureaus ( Experian, XXXX, and XXXX ) on several occasions, but the inaccuracies persist. The continued reporting of these late payments is not only incorrect but also potentially violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy, and 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. 

The actions of XXXX University and the reporting agencies have violated my rights, and I request that the CFPB investigate this matter and help facilitate the correction of my credit report. I believe that I have taken all necessary steps to resolve this issue directly with both XXXX University and the credit bureaus without success. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and any assistance you can provide in rectifying this situation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : 1. Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX XXXX. 

Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling Identity Fraud and sharing my personal information without my written permission or my consent. 

Sincerely,
Product: Debt collection

There are two negative collection account being reported on my credit file from the following two collection companies : 1 ) XXXX XXXX XXXX XXXX {$1600.00}. collection acct from XXXX XX/XX/XXXX.It XXXX XXXX XXXX shows on my report as the acct was opened on XXXX XXXX, MN XXXX XX/XX/XXXX. THEIR ACCT # XXXX XXXX * THE ACCT XXXX XXXX XXXX WAS CLOSED IN XX/XX/XXXXAND PD. THE DATE OF THE 1ST LATE PYMNT WOULD BE WELL OVER 10 YEARS AGO. COLLECTION CO IS ACTING ILLEGALLY BY REPORTING THIS TO CREDIT BUREAUS AS THE ACCT IS WAY PAST THE LEGAL DATE FOR IT TO BE ON MY CREDIT FILE. ALSO, NO ONE HAS MY SIGNATURE IN ORDER TO OPEN THE ACCT. 

2 ) XXXX XXXX XXXX A {$57.00} collection acct from XXXX XXXX  XXXX opened XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX, GA XXXX ACCT WAS CLOSED OVER 7 YEARS AGO, AND THE DATE OF THE FIRST LATE PAYMENT WAS IN XX/XX/XXXX.I AM NOT AWARE OF ANY AMOUNT DUE ALSO. 

IT IS NOT LEGAL FOR EITHER COLLECTION CO TO REPORT ANY DEBT TO ANY CREDIT BUREAU BY FALSIFYING THE AGE OF THE DEBT INVOLVED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charge off on my credit report opened on XX/XX/18 is fraudulent and is inaccurate information and needs to be removed immediately because it violates my consumer rights this charge off needs to be blocked immediately because it's hurting my credit score I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and 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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased bitcoin on XX/XX/XXXX with an intention to send it to another wallet. Paypal deducted the purchase from my checking account on XX/XX/XXXX but as of XX/XX/XXXX has yet to make the purchase available to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called into all 3 major credit Bureaus ( XXXX, Equafax, and XXXX  ) for the last few years ( on and off, every 3 months or so ) and informed them of an issue I had when my information was stolen and used for fraud ... they refuse to acknowledge this or would deny my disputes. Their customer service would not help and take care of the negative inquiries and accounts reporting to my credit report. Ive been fighting about this for years. 

Some of the inquires that came up on my credit report during this time my information was stolen and being used were ... 

XXXX XXXX XXXX XXXX XXXX ( one inquiry is in fact mine, but there is an older inquire that was not me and isnt mine ) 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 And XXXX XXXX/XXXX XXXX There are probably others but those are the main ones Ive been trying to dispute. My identity was stolen and used to try to get something from these companies by an ex-roommate. I KNOW that this happened due to a previous investigation I did on my own. But these credit Bureaus are refusing to work with me about this, so now Im trying to reach out to companies/people above them. I need help with this. I shouldnt have to suffer because of someone elses criminal actions. So, please ... help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # s - XXXX, XXXX. 
- XXXX. XXXX 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 have paid this bill and i ask 4 it to be remove i was told it would take place win i pay but it is still on my report
Product: Mortgage

The XXXX mortgages below attached to the title of XXXX XXXX XXXX XXXX, XXXX, md XXXX, were never erased from the title. We have been working to get the title cleared for 3 months with no success. Please help. 
1 XXXX Ocwen $ XXXX opened XX/XX/XXXXWas originally XXXX assigned to gmac XXXX XXXX XXXX XXXX XXXX bank to XXXX bank ( purchased by XXXX XXXX XXXX {$63000.00}. XX/XX/XXXX. We got a response from XXXX XXXX on XXXX. They ca n't find it.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has not removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove the disputed account, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fee I have incurred. Despite having sufficient funds when transactions were authorize, I was charged fees due to lagged posting of charges and credit. This issue aligns with CFPB findings against Navy federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request into my account transactions.