23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or about XXXX XXXX XXXX  I applied for a Navy Federal Credit Union CashRewards VISA card with NFCU. I received a denial letter stating reasons I was denied ( Denial Letter Attached ). I then mailed NFCU an adverse action letter addressing the denial ( Letter Attached ), in which I received no response from the financial institution. I do believe in fact that I was discriminated against. I would like NFCU to understand that I am aware of how Financial Institutions do business in commerce. I would like NFCU to promptly mail me back my application ( # XXXX ). If they can not mail me the original application, then they have violated my consumer rights. I know my rights and quit a few laws that protect those rights. I understand that my signature creates the security collateral in ANY consumer credit transaction. 

It is a fact, I am aware, that the term credit means the right granted by I, the original creditor, to a debtor NFCU to defer payment of the debt or to NFCU to incur debt or a loan from the US Treasury and defer its payment. This makes NFCU ( 12 U.S, C. 1431 } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to me, at the time of the transaction. I, the cunsumer came to extend credit and not receive a loan from the U.S. Treasury. NFCU 's lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by NFCU. I am aware that although I was told I was denied, the application was still deposited into the Federal Reserve Bank for notes. The Federal Reserve Act Section 16 parts 1 and 2 expresses this fact. 

I am also aware, in accordance with the term creditor in subsection 1602 ( g ), pursuant to 15 U.S. Code 1602 ( i ) a consumer in reference to a credit transaction is the party whose credit is extended from is a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes. 

Furthermore, I am aware that my social security card is a credit card pursuant to 15 U.S.C 1602 ( l ) as any card, plate, coupon book or other credit device. Existing for the purpose of obtaining money, property, labor, or services on credit. 

I am also aware that the unlawful use of a credit card such as ( Social Security Card ) under 15 U.S.C. 1602 ( l ) by a organization or person other than the card holder who does not have actual, implied, or apparent authority for such use and from which the cardholder ( me ) receives no benefit equals unauthorized use pursuant to 15 U.S.C 1602 ( p ). 

I am a long standing member of this Financial Institution and I am very disappointed.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023, LVNV is still reporting inaccurate information on my credit report. I do not believe I owe what you say I owe. Therefore, I dispute this debt. I am aware of my rights under the federal and Florida Fair Debt Collection Practices Acts ( FDCPA ). Also, the statute of limitations for collecting this type of debt in Florida has expired as per https : XXXX and according to XXXX, XXXX XXXX XXXX The limitation for collecting on this debt which is an open-ended account is 4 years. 
This is LVNV formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop reporting erroneous information on my credit report as per consumer law 15 USC 1681b ( a ) ( 2 ). Consent is needed for everything reported on my credit report. When was consent given to you to report this collection? It was apparent you ignored it the first time. Also as per consumer law 15 US Code 6802 - Obligations with respect to disclosures of personal information section B1 ( Opt Out ) it states a financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party. 
In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law. LVNV did not give me this right. Again, it was ignored. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Acts a serious violation of the law and will immediately report any violations to my State Attorney General and the Federal Trade Commission and take whatever legal action necessary to protect myself. Be advised that I tape record all phone calls. Violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident. I want this collection to be removed from my XXXX and XXXX credit report immediately.
Product: Mortgage

I 've received several collection phone calls from Shellpoint. When I initially spoke with a representative from Shellpoint, I asked that they not contact me at my work number nor my cell phone number and I provided all of the contact numbers I had for my ex-husband. I explained ( to both XXXX and Shellpoint ) that this property was awarded to my ex-husband in divorce and I did everything in my power, including obtaining an order to force him to sell or refinance the house. He fought the order all the way to the state supreme court and lost the case, this XX/XX/2016 I left XXXX marriage, purchased a small house and did absolutely EVERYTHING that the law would allow to force my ex-husband to be responsible for the XXXX XXXX residence. I provided all of this documentation to XXXX XXXX XXXX with the understanding that although this was adjudicated through the divorce court, there would be no acknowledgement of such by the Bank. I asked to not be contacted via my cell phone nor my work phone with both XXXX XXXX XXXX ( who stopped contact ) and with Shellpoint ( who continues to contact me ). Upon my first contact from Shellpoint, ( XXXX XXXX at XXXX ) I explained the entire situation once again and stated that I provided XXXX both a verbal and written request to not contact me at work or cell phone number. I was told by the customer service representative that the request made with XXXX did n't matter and I would have to go through a similar process with Shellpoint. I stated then to consider this call as my request to cease contact and hung up. The Shellpoint representative subsequently called my work phone number back again ( XXXX XXXX at XXXX ). I did not pick up the call. I just received another call today, XXXX XXXX, 2016. 

When the loan was with XXXX, I said that I would sign and execute any documentation needed by XXXX XXXX XXXX to facilitate the foreclosure. XXXX XXXX XXXX then sold this loan to Shellpoint, in the midst of the foreclosure process, and now Shellpoint is calling me. This foreclosure process has lasted almost 3 years with no end in sight. I 've taken a huge hit to my credit, since this and the second mortgage is being completely ignored by my ex-husband and have provided XXXX XXXX XXXX and Shellpoint with all of this contact numbers and information I have. I 'd like for this to end.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX my account was blocked on XX/XX/2020 and I have a balance of {$1300.00} with happen to be my rent money can I get my money back. Hence cant be allowed to use Cashapp anymore but I need my rent money back plz. My Cashapp they said is blocked but they dont want give my money back Account name : XXXX XXXX  Phone XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Capital One to report suspicious activity on my account after I received a password-change notification. Capital One 's changed my card account numbers and ordered new ones and revoked my online account. 
However, since then, Capital One has been making false reports to the credit bureau regarding my account : On XX/XX/XXXX, Capital One reported me as " 30 days late '' even though there was no payment due on my account. 
On XX/XX/XXXX, Capital One reported a new account under my name even though I did not open a new account.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$4500.00} XXXX XXXX {$20000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX {$1200.00} XXXX  XXXX {$490.00} XXXXXXXX   XXXX {$400.00} XXXX  XXXX {$300.00}
Product: Debt collection

I received a {$650.00} bill on XXXX/XXXX/XXXX and a {$210.00} bill on XXXX/XXXX/XXXX from XXXX XXXX XXXX. I was unable to pay when due so they were turned over to Union Credit Corporation XXXX, GA. Union Credit Corporation opened XXXX individual collection accounts that appear on my credit report, when they should have only opened XXXX collection accounts. The debt was been paid in full on XXXX XXXX, XXXX. My Experian report dated XXXX/XXXX/XXXX still shows XXXX open collection accounts with a balance of NaN. I am attaching a copy of the XXXX bills, the pages of my credit report reflecting that XXXX collection accounts were opened and reflecting the XXXX open collection accounts. I am also attaching a complaint that I filed with XXXX XXXX XXXX on XXXX/XXXX/XXXX regarding my horrible experience with Union Credit Corporation. The complaint that I filed with XXXX XXXX XXXX should outline why I am unable to professionally deal with Union Credit Corporation. Please note that I do see XXXX complaints have been filed in the past against Union Credit Corporation with the XXXX from other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I am writing to dispute several delinquencies that are currently reflected on my consumer credit report. According to my records, these delinquencies are inaccurate and should be removed from my credit report. 
The delinquencies in question are as follows : XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$220.00} These delinquencies are inaccurate, and XXXX XXXX XXXX has claimed responsibility for the mistake verbally. I am requesting that these delinquencies be removed from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires that credit reporting agencies investigate any disputes within 30 days, and I request that you complete your investigation within this timeframe. 
I have provided supporting documentation such as confirmation for payments to support my dispute. Please let me know if there is any additional information that you need from me to complete your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-XXXX  Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -XXXX Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX  , OH XXXX -XXXX  XXXX XXXX XXXX  , PA XXXX -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX XXXX , OH XXXX Transunion  - XXXX XXXX XXXX XXXX XXXX , OH XXXX -XXXX  XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Experian can not verify an old account that is 10 years im my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a payment of {$500.00} to XXXX XXXX to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment XXXX XXXX reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called XXXX XXXX and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with XXXX on XX/XX/XXXX and XXXX XXXX LIED to XXXX stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX XXXX XXXX reports to XXXX that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with Equifax on XX/XX/XXXX XXXX XXXX again lies and tells them the information currently on there is correct. I have called XXXX XXXX multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with Equifax and they still refuse to update my balance. I filed another dispute with XXXX on XX/XX/XXXX and that is pending. I just got off the phone with XXXX XXXX and now I was told I need to send them a request to have this looked at and it could take 30 days.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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.

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 1002 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: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX Balance : {$660.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Hi, I opened a Coinbase account in XXXX. Fortunately I only put in a XXXX  XXXX pounds in and I was impressed that the value had increased remarkably. However in XXXX I had message on my account saying account is under review and that it would take a few days. It's now become a joke because my account is still under review. I have reached out to coinbase on three occasions but I have had no answers. The case numbers are XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ny name is XXXX XXXX I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and i have also enclosed copies of the federal trade commissions Identity theft affidavit. Please delete the items as soon as possible.
Product: Mortgage

Around XXXX XXXX XXXX, I was approved for a trial loan modification. My trial payments were to begin XXXX, XXXX, XXXX XXXX. I never signed any documentation in fact the readable trial loan modification documents came late. However, the correct paperwork that showed how much my trial loan payment would be. Fast forward in XXXX after several emails and calls I received loan modification paperwork with 2 additional names on the documents in addition to mine. I called the bank and the stated it would be escalated and corrected. So from XXXX through XXXX the bank and I were gong back to get correct documents. I received a denied loan modification do to the fact I did not signed the incorrect loan documents. I then appealed the denial for not being able to signed the loan modification documents because they had other people names on the document not associated to the loan and myself. The appeal came back that the fraudulent names on the loan modification had to be signed. I called and emailed US Bank several times for assistance because the same reason they were deny my modification was same reason I could not signed the modification documents. Finally, I supervisor by the name XXXX XXXX did her job and email there mortgage appoint assistant again explaining how it was an error or there end. So fast forward to XXXX/XXXX/XXXX. I receive an email by XXXX XXXX, a US bank rep manager and she explains she will XXXX the correct documents to me so I can sign. In the meantime they send me back one check in my deceased mothers name. They start to mail all documents in my deceased mothers name even though when I was paying they were sending it in my name, plus all the checks were coming from me. On XXXX XXXX when US Bank Rep told me she was sending the correct documents. On XXXX XXXX, XXXX I received a foreclosure notice and auction sale date of XXXX/XXXX/XXXX and they attached it to the door today. Now I paid all trial periods on time and paid over my trial months, the error was on US Bank. Now I have been embarrassed by neighbors, my kids are worried, and stressed that we are going to loose our home. In which I did everything I was supposed to do on my end. I did mail back the correct documents today XXXX/XXXX/XXXX once I received them on XXXX/XXXX/XXXX. The house is under water. I inherited the mess and the bank is not giving me any mercy for their error or a principal reduction. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1300.00}
Product: Credit card

On the date of XX/XX/XXXX, I had a gathering at my home with adults and children and my personal was left out along with my cell phone. Several people were in and out of a room that I thought was locked and I was informed that some individuals or individual was online using my computer and phone
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2025 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX a fraudulent charge of {$3600.00} was made on my citi bank credit card. I called citi bank the same day ( XX/XX/XXXX ) to report the fraudulent charge. On XX/XX/XXXX the card with the fraudulent charge was closed and I was mailed a new card. The following week the charge was posted to my account. After disputing the charge Citi bank claimed I am responsible for this charge even though the card has a zero fraud liability clause. A police report was filed with the XXXX XXXX, Ohio police department regarding the fraudulent charge.