23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX calls on all hours of the day and night including weekends which started about two months ago from various phone numbers e.g. XXXX ; XXXX ; XXXX ; XXXX ; XXXX. But recently it's more so than usual meaning everyday including weekends and the past two days left a voicemail message from two different persons - XXXX and XXXX XXXX - Demanding to call them back at XXXX ext XXXX. 
The voicemail message left on my phone today demanding I call them back and give them my attorney 's name and number, and if I don't have an attorney it would be to my best interest to call her back. I urge to contact her today. choose not to respond i have no choice may proceed to next step which will impact you. 
It is very frustrating as now they are calling my kids, my work, my Mom, my siblings and their spouses to name a few. This is beyond harrassment.
Product: Prepaid card

I have a couple of $ XXXX Amex Gift Cards that I am fnding are extremely difficult to use on-line to companies/stores that normally take Amex cards. I was told any place Amex cards are taken these Gift Cards would work but they don't and it's really difficult to use them anywhere.
Product: Credit card

My PayPal credit account had a linked debit card. I made a purchase, knowing it would auto withdraw from the debit card. On the date the charge was due, XX/XX/year> I see a auto-paid. Synchrony took over the PayPal credit account- they charge me double. I noticed the amount due in my account, tried to pay with the card on file and it would not allow me to. Also would not show me a statement or allow me to add a card to pay. I thought they just had mixed up systems with the change over from PayPal to Synchrony. They closed my account and sent me two statements in XXXX- those were the first statements or any kind of notice I received. It is showing negatively on my credit report and hurting my interest rates for a home purchase. I had to link a bank account and pay the balance with over charges. The customer service rep credited me back my fees, but now the credit I am owed would essentially equal to they are paying me {$10.00} so it is clear their calculations are not correct. I made a request to have the negative credit report removed, and they denied my request.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint regarding inaccurate delinquency reporting on my credit file related to my student loans. XXXX incorrectly reported my loans as delinquent in XX/XX/2025 to all three major credit bureausXXXX, Equifax, and XXXX. This reporting is inaccurate for the following reasons : -My loans were in forbearance, meaning no payments were due at the time. 
-The loan balance was transferred from XXXX XXXX XXXX ( a federal student loan agency ) in XX/XX/2025, meaning XXXX no longer serviced or owned the loan at the time of the reported delinquency. 
-I have no recordelectronic or papershowing that any payment was due for the reported period. 
-There is no documentation indicating that I was required to make payments on the dates associated with the delinquency. 

Since this erroneous reporting has negatively impacted my credit score, I request CFPBs assistance in investigating this matter and ensuring that these inaccuracies are removed from my credit report. I ask that CFPB hold XXXX and the credit bureaus accountable for reporting only verifiable and accurate information per the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this issue. Please keep me informed of any actions taken regarding my complaint. 
Thank you.
Product: Debt collection

I submitted a validation and cease and desist letter to Midland Funding, I reached out to an attorney who they stated owned the account and couldn't resolve the debt.
Product: Credit reporting

EQUIFAX is showing a hard inquiry for   XXXX   XXXX   on  XXXX   XXXX ,    2016. I called  my local branch as I have dealt with them business wise in the past and they surprisingly told me that the inquiry matches no recent application under my name. ( Which makes sense as I did not ask for my credit to be pulled at all wh at so ever ). T hey have no records that I even applied for credit recently so I do n't know how this inquiry was even made. Please remove
Product: Debt collection

this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate theses items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data Breach and may have got into the hands of the wrong person.
Product: Debt collection

Portfolio Recovery Associates calls me every month or so asking if there is a XXXX XXXX ( This is not my name ) the latest number is from XXXX. The first time i received a call more than 6 years ago, the name happened to be my grandfathers. i told them this but it was clear very soon that because of the DOB and SSN it was not him OR ME. i go through this whole conversation every month with them. They tell me my name willl be taken off, then i get a call in a month or so!. i have called the number back the last few times and the same person picks up! VERY FRUSTRATING!!!
Product: Checking or savings account

The person who has my money for this investment account is named XXXX XXXX XXXX. this is her XXXX page link. 

XXXX XXXX XXXXXXXX She promised me a 100 % money back guarantee on my investment. When she deposited my {$18000.00} into XXXX account, I began to make a profit. However, she told me that I would have to borrow another {$100000.00} from my bank in order and give it to her as commission in order for me to have access to the money in my investment account. I have XXXX and I have everything she said on XXXX XXXX and XXXX to show you exactly how she used the name of XXXX and everything else to get me to make this investment with her. 

All I really want is what she promised. That is a 100 % money back guarantee. I have been asking for my money back for days now. she told me if I go to my bank and borrow {$100000.00} then I can access the withdrawal feature in my account. She is in constant contact with me and thinks that I am going to go to the bank and make the withdrawal. I told her several times that I want my money back. She will not take no for an answer. She just asked me to go to my bank and take out a loan a few minutes ago. This crime is happening right now! 

My name is XXXX XXXX and my phone number is XXXX XXXX ) XXXX ) Email : XXXX Email 2 : XXXX If you need any evidence please contact me. This crime is active right now.
Product: Debt collection

Nation Credit AdjustersXXXX XXXX XXXX - XXXX XXXX XXXX, Kansas XXXXThis company is harassing me at my place of employment multiple times a day after repeated requests to stop contacting me there. I have never received any written correspondence, nor have they been able to verify any information about the debt, only my home address and an arbitrary account number. The first man I spoke with on the phone told me he was sorry they contacted me and he would have my name removed, but I am continuously receiving phone calls from his associates. They have even gone as far as to leave detailed messages regarding my personal business on our company voicemail that all of my fellow associates have access to. I have paid this in full to the original lender, but they will NOT cease their collection efforts.
Product: Credit card

THE CHASE CARD AND BALANCE ARE FRAUD. THE BALANCE IS XXXX. CHASE CREDITED HALF OF THE FRAUD CHARGES, BUT NOT ALL OF THEM. I DO NOT UNDERSTAND HOW THEY CAN PICK AND CHOOSE WHAT IS AND WHAT ISN'T FRAUD WHEN I DIDN'T HAVE THE CARD IN MY POSSESSION. I HAVE COMPLAINED 4 TIMES NOW WITH CHASE AND IT IS THE SAME RUN-AROUND WITH THEM. I WILL NOT PAY FOR ANYTHING THAT I DIDN'T SIGN FOR OR BUY. FRAUD! TAKE CARE OF THIS ONCE AND FOR ALL IMMEDIATELY. CHASE IS HORRIBLE!!!!!
Product: Credit reporting or other personal consumer reports

I have recently gotten an apartment. My XXXX score vantage XXXX XXXX is XXXX ; and I have my other documents with the individual ones. XXXX and XXXX are reporting it XX/XX/2024 as XXXX ; which is absolutely absurd and XX/XX/2024 at XXXX. I have called them XXXX different times ; XXXX hang ups ; and multiple disputes and emails with no resolve or care. this is highly illegal.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

On XX/XX/2021 at XXXX XXXX, I received a notification from my bank ( XXXX ) that my checking account was overdrafted. When I checked my account, there were 3 separate withdrawals initiated by Nationstar DBA Mr. Cooper for {$3000.00} each. That's the amount of my monthly autopayment for my mortgage, which was also withdrawn on XX/XX/2021 as usual. No payments are due or outstanding until XX/XX/2021. 

I called XXXX, they are putting a stop on the withdrawals at their end. 

I called Mr. Cooper/Nationstar, which hung up on me three times. I called their autopay department and left a message. I sent multiple " secure online messages '' via the mrcooper.com website, no one has replied. 

Mr. Cooper has taken $ XXXX of my money without notice or permission.
Product: Credit reporting or other personal consumer reports

I CALLED XXXXXXXX XXXX  SPOKE TO URIAN IN THE FRAUD DEPT IS A SUPERVISOR CAN NOT HELP ME AS I DO NOT HAVE THE ACCT NUMBER AND THE DEBIT CARD NUMBER EXPLAINED TO HIM I NEVER HAD THIS ACCOUNT ITS FRAUD HE CAN TELL THAT BUT I WOULD BE REQ TO FLY TO A LOCAL BRANCH TO GET THIS RESOLVED I CAN NOT AFFORD TO DO SO!!! PLEASE ASSIST ME AS THIS IS FRAUD!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I noticed that a credit inquiry was performed by Westlake Services Inc under my name on XX/XX/XXXX. There is also an auto loan opened an account by Westlake Service Inc. for a total of XXXX Please note that I have not authorized either made any contact with anyone from Westlake Financial Inc. I have never heard of this company. Im disputing this credit inquiry and the account as this was done fraudulently and it was opened by fraud. I sent a letter to XXXX XXXX, Westlake Financial, XXXX, XXXX  and XXXX  all in XX/XX/XXXX & today XXXX   mentioned the account will remain, but the credit inquiry will be deleted, because " The company has reported the information has certified to XXXX  that the information is accurate. '' which is not true! I have never opened this account, I don't have that auto they are talking about and I never heard of them until now! All of this needs to be removed from all of my credit reports, this is a fraud. Please help me!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is an XXXX XXXX XXXX XXXX account that I once had and cancelled the services because I was having problems with it. When I called to speak with a representative they informed me a return equipment box would be sent to me. I was also told that if I return all of the equipment back to XXXX XXXX XXXX that I would not owe anything on this account. The day that I received the box, I packaged up all of the XXXX equipment and returned the all of the equipment back to XXXX XXXX XXXX. When I had done this I called them to let them know it was sent back and the representative told me that I would not owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Experian via email, mail, fax and calling but never get a response. I do not have the PIN to my account and when I try answering the security questions it goes to an error page. The number they have to send me a text is a non working land line. No matter what I do they tell me to go online! I can sign in but can not unfreeze my account. I am trying to get a loan and until this happens, I am dead in the water. I have been hung up on and no one will help. I need them to unfreeze my account and provide me with a new PIN asap.
Product: Checking or savings account

Huntington bank closed my account because in the past I've had issues with an account t there, which is fine and I understand that. I was told they were going to send me a check in the mail months ago or i could go into the bank and get it. Sometime around XXXX I believe. I've been waiting for the check. The money is still in the account though so I went to the bank today to just get the money pit and NOW they tell me I owe them XXXX XXXX on an old account and would not let me take any of the cash out that's in there. I have over XXXX in there and on an XXXX XXXX balance and they would not let me take out ANY of my money saying I have to wait for them to take out the XXXXXXXX XXXX and send me the rest of what's in there. I understand why they felt I was risk and needed to close the account but not giving me ANY of my money over XXXX XXXX is unfair.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXXAccount Number : XXXX **Amount : $ XXXX **Date of Account : XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Formal Dispute of Alleged Debt Demand for Immediate Removal To Whom It May Concern, This letter serves as a formal dispute of the collection account you claim is associated with me. On XX/XX/XXXX, I contacted your office requesting proof of this alleged debt. To date, you have failed to provide the necessary legal documentation required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). According to federal law, you are obligated to cease all collection activity, including credit reporting, until proper validation has been provided. 

To comply with the law, you must produce legal documentation proving your authority to collect this debt, including a chain of custody or assignment of the debt, any signed contracts or agreements between myself and the original creditor, and proof that the amount you claim is accurate and valid. Failure to do so strongly suggests that this debt may have been improperly or illegally assigned to your company. 

Further, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), you are required to ensure all information furnished to credit reporting agencies is accurate, complete, and verifiable. Reporting unverifiable or erroneous information is a direct violation of the law. 

If this account is not immediately removed from my credit report and you fail to provide the requested legal documentation within 15 days, I will pursue all legal remedies available to me, including a claim for statutory damages of {$1000.00} under FDCPA 1692k, compensation for any harm caused to my creditworthiness, and attorneys fees. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

This letter serves as my final notice. I expect a full resolution of this matter and written confirmation of the removal of this collection account from my credit report within the specified timeframe. 

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

I have sent several disputes via mail, online and over the phone due to identity theft. XXXX and Transunion have failed to investigate within 30 days after receiving the certified mail and online disputes. They also have yet to mark these fraudulent inquires as being disputed and will not remove them from my consumer report even after I have filed an FTC identity theft form complaint and submitted all documentation required for removal due to identity theft. XXXX and Transunion are violating FCRA rights and furnishing incorrect information. I have never lived at the address where these inquiries were made from. Please reinvestigate and remove all XXXX fraudulent inquires related to identity theft. see attachment. I will pursue {$1000.00} for each violation as this is affecting my ability to apply for credit
Product: Debt collection

XX/XX/XXXX Conn 's first inially stated I owed {$3300.00}. 
I eaxplained I never took delivery of the mattress. 
XX/XX/XXXX They finaly removed the mattress charge but the tv charge should only be {$660.00} XX/XX/XXXX The TV chaerge was still showing {$760.00}. The tv was only {$660.00}. 
XX/XX/XXXX I could not longer make payments Conn 's company would not tell me the late fee cahrges only what was due. 
XX/XX/XXXX I emailed Conn 's and said I can pay {$25.00}. They asked me to tell them why I explained I was no longer working they said I need to borrow the money to pay them. 
XX/XX/XXXX Still not working I can pay {$25.00}. Conn 's said I owed {$890.00}. 
XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owed {$990.00}. 
XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owe {$1300.00}. 

The amount I owed kept increasing with no explanation. However on my credti report it reported I owed {$760.00}. 

I attempted to contact COnn 's and explain that the ampunt of teh tv was {$660.00}. Please send me a ledger with the monthly late fees showing the amounts and they will not. 
They tell me one amount but I check my account online and its always more. 
I want to pay for cost of the tv. Not all these different chanrges that seem to be made up.