23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My physical card was stolen in XXXX of 2023 and maxed, I reported my card stolen and got a replacement card. The company then put the charges back on my card in XXXX of 2023 and is now charging me late fees and overage charges for this card that was used without my permission. I have gone around with them and they refuse to reverse the charges or the late fees for the fraudulent charges. They also aren't allowing access to statement files on their website.I am showing an image that says they did reverse these charges but they did in fact put them back later, I do not have access to statements to show this.
Product: Debt collection

XXXX XXXX canceled our internet while we were in the process of moving because the new owners of the house had requested their internet. On their end somewhere timelines were messed but because I called to notify them the last day we were going to be in the house. They shut off our internet and switched it to the other individuals account prior to us moving out. I spent over 8 hours dealing with this issue multiple times. Once we moved, I called XXXX to send my equipment back and she asked about my final bill. I explained to her what happened and told them that the bill was inaccurate as I was originally paying $ 60ish per month for my services and they wanted to charge me over {$140.00}. That is when she notified me that due to them creating a new account and it being within a 30 day window that their policy is, if you are not satisfied ( which I clearly was not XXXX they would cancel the service and I would not be charged. I am not wasting any more of my time on the phone with those people at this point.
Product: Debt collection

I received XXXX phone called from XXXX today. This is Conns  XXXX XXXX. I am only about a month or so behind on my payments. I spoke to someone on the phone a few weeks ago and told them to stop calling me repeatedly, and that I will pay them when I can. When I block one phone number, they just use a slightly different one and keep calling. They used XXXX to call me XXXX  times yesterday, XX/XX/12.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery. I have disputed numerous times they are unhelpful and dont care about people My information was breached a few times online and they continue to refuse to remove it the process has been very frustrating I lost everything to COVID and Now they are taking my only chance I have left! They took 50 points in one far from me last year! They have no commission or understanding
Product: Credit reporting or other personal consumer reports

I disputed my XXXX XXXX account on my XXXX and Experian credit reports for failure to report notice of dispute within the guidelines of the FCRA. The investigation results repeatedly came back stating that the XXXX XXXX account was verified as accurate even though no notice of dispute was updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to have a three bankruptcies removed from my credit report. The third party verifier stated in writing that they could not verify the information and removed it from their files. The credit reporting agencies continue to state verify as accurate even after I sent them a copy of the letter.
Product: Mortgage

I have been in a forbearance since XX/XX/2021. I was informed by my loan servicer that at the end of the forbearance the payments would be deferred to the end of the loan. My mortgage was sold to another mortgage servicer ( select portfolio servicing ). After completing an RMA with them they informed me that all they could offer was a repayment plan at double my mortgage payment for 6 months followed by a large lump sum payment to bring the account current. I filed an appeal stating that I could not afford that plan. They then stated that my only option to avoid foreclosure was to pay the full amount owed. I have resumed making my usual monthly payments.
Product: Credit reporting or other personal consumer reports

I filed a dispute on ( Report XXXX XXXX ) due to the account not belonging to me. XXXX replied back and said that the account was staying on my account and not being removed. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house, car, loans Experian violates my rights as a consumer, as well as federal laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  XXXX  Date of inquiry : XX/XX/2021 This account is inaccurate and fraudulent. XXXXm seeking Litigation. Please delete at once.
Product: Checking or savings account

Chase bank closed my account without letting me know until I received a letter in the mail on   X/XX/17  t  ha t my accounts were closed back on   X/XX/17   with documentation to prove it. Clearly stated on the letter it says, accounts were closed   X/XX/17   and your funds will be mailed to you withi n 10  business days. After contacting the bank, they would not refund me in cash and said that they could do nothing, and I needed to wait for the check in the mail. A check arrive s  X/XX/17  b ut missing {$120.00}. I ask for a statement print out, which says {$120.00} check charge along with the remaining {$2600.00} check charge. When returning to the branch to find my {$120.00}, they just told me it 's in the mail and their system is down. After letting her know that I was not leaving without my money, she called the police. I just do n't understand how a bank can withhold my own money.
Product: Credit reporting or other personal consumer reports

Immediate Action Required Experian 's Continued Violation of FCRA and Debt Bondage Act I am filing this complaint against Experian for their blatant disregard of my rights as a XXXX XXXX survivor. Despite providing an attestation and a verified letter from an agency, Experian has refused to remove fraudulent accounts tied to my name. Experians inaction is not only negligent but a direct violation of federal laws.Specific Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681c-2 : Experian is legally obligated to block information derived from identity theft upon receiving proper documentation. I have met all requirements, and their failure to act is a flagrant violation of this statute.

15 U.S.C. 1681i : By refusing to investigate and correct inaccuracies within the required timeframe, Experian is in clear violation. Their inaction is unacceptable, and I will not stand for it. 
Debt Bondage Act Violation : Experian 's refusal to remove the accounts after being provided with substantial evidence is a violation under the XXXX  Victims Protection Act ( TVPA ). The law protects survivors from financial consequences stemming from their exploitation. Experian 's disregard for this law shows their indifference to federal regulations and to my rights as a survivor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

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

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

To whom it may concern, I submitted a request for deletion of multiple inquiries online on XX/XX/2017 to dispute information, in regards to XXXX hard inquiries, incorrect addresses and collections that were being reported on my credit report. They would not begin the request until I submitted a copy of my DL and SS cards. I faxed the information on XX/XX/2017. They completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my personal documents needed to begin the investigation, one can assume that there was no investigation into the matter. I plan to purchase a vehicle this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
Thank you!
Product: Debt collection

I purchased product from sleepy 's on store card in XXXX of XXXX, item was defective and had to be exchanged. Sleepy 's double charged for new item and left mattresses on the sidewalk in front of my building rather than dispose of properly which is against law in XXXX. I had to pay {$500.00} to have a moving company come immediately to take as my landlord would be fined. I had to call Sleepy 's corporate for months and they stated they never received mattresses and I stated because they dumped on my sidewalk. They finally admitted to this I paid for the original purchase only and closed my account, Sleepy 's accepted account as paid in full, as I had to pay for removal of mattresses that they were supposed to do. Now 3 years later a law firm stating that I owe almost {$2000.00} more than original purchase after Sleepy 's changed from XXXX to XXXX bank about 2 years ago. Sleepy 's reported to XXXX XXXX that account was closed in XXXX of XXXX, however, I just now see they claimed it was delinquent, which it was not, they were delinquent in sending me defective merchandise and then dumping in front of my home and then trying to double charge me.
Product: Checking or savings account

My direct deposit comes early every Thursday morning and it is now Friday, XX/XX/2025 at XXXX CT and my direct deposit has still not been posted into my checking account. Ive called Capital One asking for answers but the representatives have not given a clear answer as to why this is happening. This is very upsetting and has me worried as I am a mother who lives paycheck to paycheck. I do not carry cash so the money in my bank account is all that I have, which I still do not have access to. Capital One has not provided an update since Thursday night, XX/XX/XXXX. They advised the issue would be resolved Friday morning but it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize, benefit from or consent to these inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is falsely reporting late payments on my credit report. They agreed to take it off of my history as this was their fault for the months of XXXX and XXXX. Spoke to them for over two hours and promised me that by the next billing cycle everything will be fixed and current.
Product: Vehicle loan or lease

I sent a Notarized Affidavit Billing error notice alone with the XXXX XXXX XXXX remittance coupon which is also a legal payment of tender under XXXX to Regional Acceptance Corporation requesting records under 12 U.S. Code 5562 ( c ) ( 10 ), to be made under a sworn certificate by a person. And that they weren't allowed to report anything to the credit reporting agencies without my written permission. Regional Acceptance Corporation received an EFT Payment on XX/XX/2022 and it was processed and I never received an Notice that payment was returned. Then Regional Acceptance Corporation sent a bill statement stating that I owed a balance so I sent in a payment of tender setoff and adjustment only on the private side and Regional Acceptance Corporation accepted it in accordance with HJR 192, UCC 3.603, UCC 3-419 and never returned to so they are in dishonor and any and/all claims or security interest has been voided. In response to my Notarized affidavit of billing error Regional Acceptance Corporation sent in a letter and not notarized affidavit ( sworn certificate ) as required under the law to answer any affidavit. I was not provided full accounting records as under the GAAP prescribed under 12 U.S. Code 1831n ( 2 ) ( A ). I also sent in a Notarized Affidavit of Rescission in which Regional Acceptance Corporation has refused to answer or acknowledge. I also sent in a Notarized Affidavit of Rescission in which Regional Acceptance Corporation has refused to answer or acknowledge. Regional Acceptance Corporation was notified that any variation of XXXX XXXX XXXX XXXX was copyrighted and that any use other than to respond to my Notarized Affidavits by a living person Notarized in Affidavits would be considered unauthorized and subjected to fines and fees as outlined in my UCC Schedule fee of my Copyrighted property as the Secured Party.
Product: Checking or savings account

I attempted to close my PNC account by transferring {$2000.00} into my XXXX account. In error the online system had both my closed and open account on file and it was routed to the closed XXXX account. XXXX sent me documentation that the account was closed and the funds rejected. PNC still maintains that XXXX has possession of funds. Furthermore PNC is saying even thou XXXX rejected the funds when it came back to them they sent it back to XXXX in error. XXXX position is that they received the funds once only and supplied a Tracer ID XXXX. Ive talked to numerous people at PNC and the last individual stated she was escalated the call and would be researching problem. Her name is XXXX XXXX at PNC XXXX Consuner Relations. This has been going on since XX/XX/XXXX. PNC already closed my account but didnt return the {$2000.00}. I am extremely distressed over this. I am a senior caring full time for a XXXX XXXX XXXX mother and I am asking for help in resolving this.
Product: Money transfer, virtual currency, or money service

Coinbase was requested to return the remaining account funds to my original payment funding source since my account was compromised XX/XX/. They have not returned the funds. 

They are now in violation. This will be reported to the IRS and Department of Treasury.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against LAW OFFICES OF GOLDBERG & ORIEL, for committing identity theft. I have never given LAW OFFICES OF GOLDBERG & ORIEL, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with LAW OFFICES OF GOLDBERG & ORIEL and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX I have not received any documentary evidence, such as a trilateral contract, giving LAW OFFICES OF GOLDBERG & ORIEL any right to collect on this alleged debt. I have never received any documentation requesting validation from LAW OFFICES OF GOLDBERG & ORIEL, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LAW OFFICES OF GOLDBERG & ORIEL, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LAW OFFICES OF GOLDBERG & ORIEL, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LAW OFFICES OF GOLDBERG & ORIEL, continues its collection efforts, I will file for litigation for actual damages caused and LAW OFFICES OF GOLDBERG & ORIEL, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX  and XXXX Fail to listen to capitol one card was secured there should be no balance due, additionally my scores keeps taking huge dips for no reason. Disputed multiple accounts I said I had no knowledge of. Want to know why my score keep taking XXXX point drops every time it climbs.
Product: Mortgage

I was behind on my mortgage due to covid and received assistance from the H.A.F program. They contacted the Midland mortgage company to get the total amount that was late, the amount they gave was {$30000.00}. In XX/XX/2023 the H.A.F program paid that amount also an additional {$930.00} for XXXX so everything will be caught up. My XXXX statement reflected a late fee of {$730.00}. I called the mortgage company and they said it will be updated. The following month it showed the same, so I decided to write a letter to ask if it would be corrected. When I called to follow up they told me it was not showing as late. My statements and credit report is showing they still have me past due, can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is probably my fourth or fifth time filing this complaint against Experian. They have never failed to respond to my complaint in a timely fashion. But at the same time they never addressed my complaint. In effect what they have done is if you were to ask me what does 2+2 equal  and I answer see the cow jumped over the moon I responded to your question but I certainly didnt answer it. That is exactly what Experian has done for five times. Now for the nature of my complaint. My information had been hacked so I had a lock on my credit. I lost the password so Experian told me it would cost XXXX bucks to get the information to unlock it so I went head with that. They proceeded to charge my credit card about {$43.00} and instead of sending me the information to unlock my account they sent me a credit report. So the next day I called them back and they demanded another {$20.00} for what I have already paid for in the first place. They told me no {$20.00} not unlocking my account. So I now paid {$63.00} about for a {$20.00} bill and had nothing to show for it. This time the information I requested came. That was when the real trouble began. I spent maybe 100 hours on the phone and was threatened by Experian in an attempt to get my money back. When I told them I would dispute the charge with the credit card company is when they threaten me with them taking no action and no longer attempting to work with me to get my money back. So my question is why did they make me go through multiple phone calls and many many hours on the phone to get my {$40.00} back. I have never answered this in the past and I dont suspect they will now but I will keep doing this
Product: Debt collection

I hope this letter finds you well. I am writing to address a critical matter concerning my credit report. Despite my previous efforts and successful removal of fraudulent accounts reported by other credit bureaus, I am still confronted with the persistence of a particular fraudulent account on your credit report. This account is the sole remaining stain on my credit history and is negatively impacting my financial standing. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have diligently followed the necessary procedures to dispute and remove fraudulent entries from my credit report. However, the specific account detailed above continues to persist on your report, creating an inaccurate representation of my creditworthiness. 
I kindly request your immediate attention to this matter and the swift removal of the mentioned fraudulent account from my credit report. The persistence of this inaccurate information is causing substantial harm to my credit score and overall financial standing, hindering my ability to access favorable financial opportunities.
Product: Credit card

THE CONTRACT STATES A LINE OF CREDIT THAT IS FDIC INSURED IN THE AMOUNT OF {$250000.00}. WITH THIS ACCOUNT SET UP AND ESTABLISHED IT'S NOT SUBJECT TO A CREDIT REPORT IT STATES IN THE CONTRACT A LINE OF CREDIT WHICH ENTITLES ME TO MORE THAN {$3000.00} AND I DON'T EXCEPT JUST {$3000.00} IT'S NOT ENOUGH.WHATEVER HAPPENED TO THE RIGHTS THAT I'M ENTITLED TO UNDER THE BILL OF EXCHANGE ACT IS THAT NOT IRRELEVANT HERE AT ALL. I'M NEVER LETTING IT GO BECAUSE IF I WAS WHITE I WOULDN'T BE HAVING THIS PROBLEM AT ALL I'M XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage Company and I have had a tumultuous relationship since they bought my Mortgage Contract from another Lender in 2006. I'm sending now as back-up, a letter I had written to CFPB on XX/XX/XXXX. It seems the letter had been ignored my the CFPB because it did not adhere to the preferred 'complaint protocol '. 

The letter details a history of my ongoing relationship with my Mortgage Company ; XXXX, now in its 15th year. Although a recent Court Case prompted XXXX 's removal of a Foreclosure and spurred a Loan Modification, XXXX had decided to create a fictitious debt which they are exploiting on their Monthly Statements. 

It is my guess that this fictitious debt serves to keep me in a 'default ' status, since my refusal to pay it will give them cause to compound the amount until it appears I am in the wrong. This fictitious amount is shown as a line item on my monthly statements, and it is named : 'Assessed Expenses ', in the current amount of {$1000.00}. 

Please refer to my attached Letter, and XXXX Statements for additional information