23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We are currently on a graduated repayment plan. We have to pay XXXX per month. I have 2 loans through Navient. In XX/XX/2019, we used our household tax refund to attempt to pay off the lower of the two loans. We paid online using the option provided to pay more, allocating the extra to the lower loan. Between XX/XX/XXXX to XX/XX/2019 we paid {$2400.00} on the accounts, allocating the extra to the lower loan. Meaning the extra {$2200.00} should have been enough to pay off the lower loan. Instead of Navient putting the extra to the lower loan, as I had specified, instead Navient applied it proportionally between both loans. Now instead of having my lower loan paid off, I still owe on it.
Product: Mortgage

In XX/XX/XXXX I requested that Bank of America pay our supplemental tax bills. I emailed Mortgage Representative XXXX XXXX copies of our supplemental tax bills on XX/XX/XXXX, and she called me to follow up that Bank of America would pay them out of our escrow account. The total amount of {$5800.00} was debited from our escrow account on XX/XX/XXXX and shows up as a tax disbursement to XXXX XXXX XXXX. 

Bank of America wired that money to their vendor, XXXX, which wrote a physical check to the XXXX XXXX XXXX in XXXX XXXX for {$1100.00}. That check bounced in XX/XX/XXXX and the county sent it back with a returned check fee of {$25.00} to XXXX. 

While the county was processing that bad check, XXXX sent a second check to them for {$5800.00} ( Check number XXXX ). This check was for the correct amount but was sent back uncashed by the county on XX/XX/XXXX because the initial, bounced check was still processing This process extended past the due dates for the taxes and penalty fees were incurred. 

After the money was taken out of our escrow account in XXXX, I made payments to the account to bring it back up to XXXX. The tax bill was never paid by Bank of America. On XX/XX/XXXX, we directly paid the XXXX XXXX XXXX XXXX {$6000.00}, which included late and penalty fees incurred by Bank of America and XXXX. 

We have contacted Bank of America on multiple occasions in an effort to resolve this issue and return our money along with the Penalty Fees incurred. On XX/XX/XXXX, I was told by a representative in the Bank of America mortgage department that Managing Representative XXXX XXXX would contact us within 72 hours. He failed to do so. On XX/XX/XXXX, I contacted XXXX directly and transmitted instructions back to a different Bank of America representative on how to regain control of the funds. Bank of America has, on multiple occasions, explicitly refused to provide direct contact information to any individual in their Mortgage Department, and I have no way to determine whether they are fulfilling their obligations. However, so far they have missed every deadline and milestone date provided. I am filing this complaint to ensure accountability and to ensure that the entire sum of {$6000.00} is placed into our Escrow Account. This includes the Penalty and Late Fees incurred, which I insist are the responsibility of Bank of America to pay.
Product: Credit reporting or other personal consumer reports

Please delete these fraudulent Inquiries and accounts from my credit report. I have included the Identity theft report as well. 

Fraudulent Inquiries : 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are violating of my consumer rights by reporting an accurate information inaccurate information on my credit report that the other bureaus have deleted and removed. 

I have a touch document showing my proof
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative
proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Account numbers :XX/XX/XXXX  {$190.00}, XX/XX/XXXX  {$320.00}. 
I want reported accounts to be removed.
Product: Debt collection

On or around the XXXX of XXXX, I don't remember the date exactly, a weight loss pill no one ordered or asked for showed up at our house. We threw it all away and forgot about it. I did notice two charges on my account on XX/XX/XXXX for around {$7.00} a piece, ( one forXX/XX/XXXXand another for XX/XX/XXXX, example attached ) but they looked like in-app purchases my kids might have made so I disregarded them. 

On the XXXX of XXXX, we received a notification from XXXX that a transaction of {$110.00} had been made on my account by XXXX. I didn't recognize the charge so we declined it, XXXX turned my card off, and we went ahead and had my card canceled and a new one issued, assuming fraud. 

On XX/XX/XXXX, XXXX, and XXXX, I received six emails, two each day, indicating that there was an attempt to chare {$110.00} to my credit card and the issuer declined those transactions. All links on the emails lead to XXXX sites and other than an address in XXXX, there is no contact information on any of these emails XXXX example attached ). 

On XX/XX/21, a company calling itself " XXXX XXXXXX/XX/XXXX indicated they were calling to collect a debt of {$240.00} from me for the aforementioned weight loss pill product. I told the organization that they were not to contact me and I would be levying a complaint with the CFPB. The individual hung up on me without providing a mailing address.
Product: Money transfer, virtual currency, or money service

I tried to initiate a wire to a contrctor that is doing remodeling for me. I tried sending a wire Thursday XX/XX/21 for XXXX. The bank called and said they did not have my DOB despite personal and business banking with them for 22 years. They then put a fraud alert on my account. I initiated the same wire the next day and sent them my drivers license. THe branch then called and said I had to provide the DOB and SS # of the contractor which I do not have. I cancelled both the wires verbally and written. The banks XXXX  department will not release the cancelled wire until I provide the DOB of the contractor although the money was sent to his LLC. I dont have the contractors DOB. I have spent countless hours on the phone with the wire department, the branch, and I have emailed the bank president to no avail. The bank has been holding the money of this cancelled wire for over a week and has stopped communicating with me. They have essentially stolen my money and are treating me like a criminal. I desperately need an ombudsman to help me with this bank, BBVA Compass. I have also now accrured NSFs. I have asked the bank to reimburse me for these and to write letters to companies that received bounced money stating that this was a bank error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking to apply for credit and found a number of inquiries that I did not make or give permission.
Product: Credit card or prepaid card

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed. I demand that the accounts credit limit be increased for use due to the company decreasing limit. The decreasing of the accounts was not authorized by me which is an indication of violation of securities, breach of contract, and identity theft. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Finally received a letter in the mail saying that they comply with all regulatory agencies governing their business but nothing about anything that I instructed them to do or that the credit limit or credits have been applied to the accounts.
Product: Debt collection

15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Lane Bryant on this alleged debt. 

Violation 15 U.S. Code 1692 ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I did not give Lane Bryant permission to discuss my debt with XXXX XXXX.
Product: Debt collection

On XX/XX/2013 I took out a payday loan for {$4800.00}. This company is reporting {$5300.00} on my credit report. This account is in a collection agency. 
How can the report an incorrect amount? Under the Fair debt reporting act they are in violation and should delete this information.
Product: Debt collection

I filed a complaint through cfpb on XXXX XXXX, 2015 about a debt that did n't belong to me for XXXX XXXX that XXXX XXXX XXXX was collecting on. 

At the time, there were XXXX accounts that were affecting me and we reached an agreement that I would pay off XXXX account and XXXX XXXX XXXX would remove the XXXX account from my credit report and consider it resolved. 

XXXX XXXX XXXX followed through with what they said and removed the account from my credit report, but that account has apparently now been sold to another collections company ( EOS CCA ) who has put the account back on to my credit and started collection attempts on the account that was supposed to be resolved. 

The case number that was created before is XXXX and has a related case number of XXXX. The XXXX century link account numbers are XXXX and XXXX. Account XXXX is the account that was removed and apparently re-sold to another collections company. Account number XXXX is the one that I paid. 

I have attached a copy of the accepted complaint from the original company.
Product: Money transfer, virtual currency, or money service

I request you open an investigation into transfers I made in late 2019 from my BOA account ( and from other bank accounts I control ) to your customers/clients who defrauded me and stole {$310000.00} USD in a scam operation that had been trending for some time and which impacted many other victims. The total amount sent from the BOA account is {$300000.00} USD. 
As is detailed in the attached investigative report I commissioned, your bank harbored, aided and abetted elements of an international criminal syndicate. Numerous red flags were present and indicate your bank abrogated its regulatory compliance obligations designed to curtail money laundering and terrorist financing. 
It is inconceivable that you met or maintained your Know Your Client ( KYC ) obligations for your account holders operating under the name XXXX XXXX XXXX, account number XXXX and XXXX XXXX XXXX XXXX, account number XXXX. 
These unscrupulous entities are being named in criminal complaints I am filing with state and federal law enforcement agencies. I request you offer law enforcement, and my investigators details you have collected regarding these criminals. 
Will you assist me to recover my stolen funds, or will you continue to aid and abet the thieves who defrauded me? 
Attached, please find my investigative report. I am also available to provide any further documentation or clarification as needed. 
Thank you for your anticipated courtesy and cooperation.
Product: Credit reporting or other personal consumer reports

Transunion failed to delete the collection " XXXX XXXX XXXX XXXX '' which is not mine nor were they able to provide any documentation proving this debt even exists. There is no debt from a returned XXXX XXXX XXXXXXXX  with Original " Creditor XXXX XXXX XXXX XXXX XXXX '' which I'm providing proof via every bank statement I have with this creditor. There is no check of that amount even deposited even less returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Request On XX/XX/22 I informed XXXX that it was XXXX fraudulent accounts on my credit report. Some try to get a car or something in my name. There should be a fraud alert on my report. So Im not understanding how my credit is being pulled without my written consent. XXXX and Trans Union failed to do an investigation after they responded and said the was working on it. Per the FCRA this is a violation with can result in a of XXXX per I deleted item per Section 611 ( a ) ( 5 ) you failed to investigate this. Plus delete these fraudulent inquiries to day. I have a car and credit with XXXX XXXX and didnt go looking for a car!! 


Please see attached ftc report and inquiries
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$310.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Debt collection

I canceled my homeowner 's insurance policy with XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX, MO on XX/XX/XXXX, and obtained a policy from a competitor. Never heard a word until XX/XX/XXXX, when my credit report showed a collection from Credit Collection Services for {$180.00} from XXXX XXXX. I immediately called XXXX XXXX who stated the {$180.00} was for XXXX through early XXXX. I explained that I canceled my policy and they became rude and uncooperative. I am filing a complaint that XXXX XXXX reported and sent to collections a debt an amount that was never owed by me nor did they ever contact me regarding the issue.
Product: Debt collection

I have a derogatory mark on my credit report that has already been PAIDED and not removed
Product: Vehicle loan or lease

Car was repossessed and amount was settled with Bridgecrest
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX Account # XXXX Account is over 7 years old and should be removed from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has responded to my previous complaint ID XXXX ( content below ) with a report to me dated XX/XX/23 and AGAIN have not made correction to my name and AGAIN are demanding that to make correction I must send copies of identification documents that they already received from me on XX/XX/23. In that communication they received copies of both my Driver 's License and US Passport. They do not say or acknowledge in any way that they have lost or can't find the documents previously sent. I expect correction of my name based on supporting documents already sent or some acknowledgement from Equifax that they somehow lost copies of these official documents. They are demonstrating completely unacceptable business practices. 

copy of previous COMPLAINT ID XXXX Equifax. They have had both my legal name and date of birth incorrect on my report. As an individual with a very common name it is critical that it be reported correctly. After noting the errors in routinely requested report I both wrote and submitted them a Research Request Form them on XX/XX/23. In that same correspondence I provided them with copies of both my US Passport and Florida driver 's license for support of the requested corrections. Additionally, I requested that a corrected report be sent to any credit grantor for whom they had sent incorrect information in the past 6 months. I received from them a report dated XX/XX/23 on which I noted a correction of my Date of Birth. They had NOT, however, corrected my legal name. I wrote them again on XXXX, thanking them for the one correction, pointing out that they had official documentation and asking that they make the name correction and again also send corrected information to credit grantors. I received from them a report dated XX/XX/23 in which no correction had been made and they responded asking that I send official support documents for the name change ( passport, social security, dirver 's, etc. ). I AGAIN wrote them on XX/XX/23 repeating the requests and verifying they had already received documents. Lastly, I have received from them a report date XX/XX/23 - AGAIN with no correction of my name and the response from them to " send documents '' that they already have. Additionally, they are NOW saying they will not send corrected reports to credit grantors unless I SPECIFY EXACTLY which grantors should receive them!! It is their responsibility to both know which credit grantors they have sent information to in the past 6 months and correct it. MY NAME IS STILL INCORRECT. I am not attaching copies of correspondence or incorrect reports but they are available if needed.
Product: Debt collection

Account with CIG Financial was assumed by Autonation and then charged off/written off for {$14000.00} as of XX/XX/year> and I have yet to receive a 1099-c for debt cancellation. Creditor is still reporting this on my credit after Charge-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$15000.00}
Product: Debt collection

XXXX XXXX Has Been Notified Several Times They are Attempting To Collect On A Phantom Debt. It Is An Act Of Attempted Grand Larceny To Illegally Seize Private Property And Attempt To Collect On A Debt Related To a Forged Quitclaim Deed And a Fraudulent Grant Deed That Was Used By My Ex Husband And His Current wife To Obtain The 2 loans in Question. I Submitted A Police Report Documenting The Forged Quitclaim Deed A Copy Of My CA ID identifying Who I Am And Relevant Copies Of The Quitclaim Deed And Fraudulent Grant Deed and Supporting Documents While XXXX XXXX Investigators Have Not Acknowledged Receiving This Information I Have Submitted Several Times Including By PDF Number 25 Through The CFPB System. The Debt Collection Agency On This Complaint Never Contacted Me directly To Validate The Debt Nor Did They Acknowledge That I Served Them With A Letter To A Debt Collector With Required Documentation Attached, Which They Never Responded to In Violation Of FDCPA and FTC REGULATIONS. That Was Notice For This Debt Collection Agency To Cease And Desist The Default Forclosure Action On My Home As They Have Not Validated The Debt They Are In Violation Of California Penal Code 115 PC Which States Filing A False Document Under California Penal Code 115 PC Makes It A Felony To File Any Forged Or False Document With A Public Office. I Submitted To XXXX XXXX The Identity Theft Forgery Questionnaire, They Did Not Acknowledge This Or Any other Documents I Submitted As XXXX XXXX Was Served On XX/XX/2018 Via USPS via Certified Mail And The Debt Collection Agency In This Complaint Was Also Served On XX/XX/2018 Via USPS Certified Mail with Relevant Documents. XXXX XXXX  Has Never Addressed Or Contacted The XXXX COMMERCIAL CRIMES DIVISION TO CONFIRM THEIR FINDINGS OF THEIR INVESTIGATION THAT IS PROOF THE QUITCLAIM IS A FORGERY VIA STATEMENTS RECIEVED FROM THE NOTARY WHO, S INFORMATION STAMP ETC WAS ILLEGALLY USED IN THAT TRANSACTION AND THE NOTARY SAID I NEVER APPEARED BEFORE NOR IS THEIR ANY LISTING OF THIS DOCUMENT IN HIS LINE ITEM SEARCH. I WANT A DIRECT EXPLANATION FOR THIS VIOLATION OF THE LAW AND FDCPA AND FTC REGULATIONS.
Product: Debt collection

Portfolio Recovery keeps calling and when you answer, they say, please hold. Receive numerous emails threatening to arrest and garnish wages.