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

Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 



DELETE OR BLOCK THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax you are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 USC 1681 Section 604 A Section 2 : It 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 d purpose
Product: Mortgage

My father XXXX XXXX and the mortgage on our home is in his name. After his passing, I had some difficulties in maintaining the payments on a regular basis, but managed to get caught up. XXXX has repeatedly harassed me, although I asked them to cease and desist communications with me. I am currently only behind by one payment, yet they are threatening me with foreclosure and bombarding me with mail and phone calls. I have attached two letters received in the same day from them below on this page. I have received many more letters and numerous phone calls. If necessary, I can go back in my records and produce those as well. XXXX has caused me great XXXX XXXX  and made matters worse, as I am still dealing with the XXXX of my father.
Product: Student loan

Son is a XXXX XXXX but I am XXXX service connected vet, these guys call are very threatening, saying I have no way out if this, speaking like the mobsters Payments that fit my budget is refused When ask them to put any offer in writing they refuse.
Product: Credit reporting or other personal consumer reports

We have diligently paid our Home Equity Line of Credit with XXXX XXXX  for the past ten years. In XXXX, we were informed that we had missed a payment for our account. We went through all of our documents and saw that no payments were missed. We have the computer printout from XXXX XXXX  showing all the payments made, statements will be attached. We went to XXXX and spoke to a representative, XXXX XXXX, that agreed with us. She saw that all the payments were made and made several calls, to no avail. She was the only one that tried to help us. XXXX then falsely claimed to the three credit bureaus that we missed payments. We disputed the late reporting with the bureaus. The three bureaus sided with XXXX, despite us sending them the evidence that the payments were made. XXXX then closed our account and told us to open another account. It is impossible to open a new account when there are recent late payments on a current account. When we started to investigate this issue, the bank said that we had missed many payments and they had frozen the account since XXXX, without notifying us! We were then told that we did not miss any payments, but that when XXXX merged with XXXXXXXX XXXX XXXX, and then with XXXX, this caused the issue. XXXX never unfroze the account. If we had missed payments, XXXX would have begun foreclosure proceedings or debt collection. 

XXXX closed the credit line in XX/XX/XXXX and provided an Adverse Credit Denial which stated that they closed the account due to information from an outside source, yet they do not provide the name of the source. Our credit reports do not demonstrate any review by XXXX Bank, redacted report attached. All the calls I made to the bank, which were two to three hours each, without any positive resolution were extremely frustrating and frightening. We have lost many business opportunities as well as needing the credit line to help our daughter that was recently diagnosed with XXXX XXXX. This has been very distressing and no matter who we turned to, no one could fix the situation. This has caused many sleepless nights trying to figure out who we can turn to for assistance.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these issues still persist on my record. 

The presence of late open accounts and a public record not only adversely affects my credit score but also undermines my financial standing and access to credit opportunities. 

I kindly request that you prioritize the investigation and resolution of these issues, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that resolving such issues may require time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following late open accounts should be corrected and the public record should be removed as soon as possible : XXXX. XXXX XXXX XXXX Balance Owed : {$1000.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX  Balance Owed : {$2100.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. XXXX XXXX XXXX XXXX XXXX  : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Debt collection

I was contacted by Guglielmo & ASSOC. regarding a credit card that was sent the debt collector above. I telephone them and made payment arrangements for {$100.00} for the first XXXX months as they would n't take my offer. I made ALL of these payments on time. During the seventh month they would discuss further how I was to pay this off so I sent them a registered letter offering them {$500.00} over and above the {$600.00}. I NEVER received a reply to my letter. Then out of the clear blue sky I received a document BANK GARNISHMENT to garnish my XXXX XXXX account. I called Guglielmo & ASSOC. and I spoke to a XXXX asking what I could do to continue to settle this debt and that I had sent them an offer. HE WAS EXTREMELY RUDE, stating it was too late and there is nothing more they could do for me. He claims they tried only to reach me by phone. I NEVER RECEIVED any voice mails. I have a very old phone sometimes the voice mail does not work. XXXX told me it was n't his problem I have old technology. Again I asked him if there was anything else we could do to settle the debt. He said NO. I told him I am on a fixed income. I only collect Social Security and he said he did n't care. So now I am still trying to settle this debt but I feel this collection agency set me up and tried to take exempt funds knowingly. He also stating that I would lose the {$600.00} in payment I already made on time.
Product: Checking or savings account

I have been charged over {$1000.00} in overdraft fees by Regions back over the past year. I am a XXXX  XXXX who also works full-time making the Illinois minimum wage of {$8.00}. The fees charged by regions are exorbitant. While they are technically " legal '', they are predatory with no relief for the struggling consumer. For instance, my most recent overdraft was caused by a single bill which automatically comes out of my account. However, because other items were pending, that single bill cost me {$210.00} in a single overdraft fee for multiple items that were " pending '' despite being drafted from available balance. {$210.00} for a {$91.00} overdraft which I covered by depositing money into the account the same day the charge appeared on the account. This is absolutely predatory as a charge for charges that are still pending. I brought the account current before the charges posted and am still having my hard earned money stolen from me. And the CFPB is supposed to protect consumers? Where is our protection from blatant theft like this? With so many companies forcing automatic withdrawals such as XXXX, XXXX and other services, it becomes exceptionally difficult for those of us making next to nothing to accurately monitor an account which always sits so close to the overdrawn mark. This practice of punishing the less wealthy for being less wealthy needs to change because what I would like to see, is the option to have an account that just simply declines ALL purchases that overdraw the account. If the money isn't there, don't pay it. I would much rather pay a late fee or a have a service shut off that be charged {$210.00} in a single overdraft!
Product: Debt collection

I am federally protected consumer and Santander has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XX/XX/XXXX I received a letter from EOS CCA regarding an alleged debt for a private student loan. I was unaware of any private student loan in collection or not paid since all of my student loans were transferred from XXXX XXXX XXXX to XXXX. I checked my credit report and EOC CCA is reporting this alleged debt as a collection. I contacted EOS CCA and requested documents verifying this alleged debt. EOC CCA sent me copy of the promissory note dated XXXX. I called EOS CCA and explained that it has been 13 years since the date of those documents and they have exceeded the legally allowed time to report this alleged debt to the credit bureau. They said that the debt became due sometime after that date. I have requested documentation proving that this debt became due or was paid at any point to support their reason for continuing to report it to the credit bureaus and they have failed to provide documents. It has now been 8 months since I have been requesting proof and they have not been able to provide any proof and yet they continue to report the debt to the credit bureaus despite this alleged debt being 13 years old. At this point I am looking into hiring an attorney to handle this matter as the EOC CCA inaccurate credit reporting is now causing me monetary  damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has investigated a bankruptcy on my report and found the the information was inaccurate and removed it from their file. I disputed this bankruptcy with all the credit bureaus and to no avail they refused to remove the information A letter was sent from XXXX to Experian and XXXX about this and the Bureaus refuse to remove the bankruptcy. I have also sent I a letter from the bankruptcy court stating they have not issue any information to any credit bureaus.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : { XXXX XXXX XXXX XXXX XXXX Number : XXXX } I have previously disputed the above ite with you. You verified the item as accurate. Stating that you have verified the information with the court. I contacted the court and their response was " WE DO NOT REPORT TO CREDIT BUREAUS ''. They made it clear that they DO NOT REPORT TO TRANSUNION, XXXX, XXXX or ANY other bureau for that matter ; therefore, your initial response verifying the item with the court was either an ERROR or a LIE. Either way, the reporting requirements DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ), and the information MUST BE DELETED IMMEDIATELY. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted this item. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX response to the CFPB is a blatant lie. Here is why : In XX/XX/XXXX my insurance company, XXXX, issued a new policy which required XXXX to issue a check to pay for the homeowner 's policy. The policy was incorrect and XXXX issued a second policy in XXXX to correct the incorrect policy. XXXX sent a second check to XXXX to account for the two policies. XXXX know this is what actually caused the erroneous escrow amount. I was never notified by XXXX about the two policy payments until I called. XXXX never worked with XXXX to reconcile the right account policy and I never received a letter from XXXX about my escrow account. The back dated letter they provided you is apparently a fraudulent letter because unless they can provide that the postal office delivered a letter they are lying. Additionally, I received a refund from XXXX for the two policies in XXXX without any notice or explanation for why I got {$4100.00} for my policy. I was told my XXXX XXXX escrow department that I did not need to repay the money because the amount is reflected in my mortgage payment. XXXX and my insurance company, XXXX, failed to inform me of these mistakes and did not involve me in the resolution. My credit history should not be impacted by their incompetence and their explanation is typical of XXXX. Its a lie! All they need to do reverse the inaccurate credit report. 

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because XXXX XXXX, formerly XXXX, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. XXXX XXXX has changed its name but its fraudulent business practices have continued right where XXXX left off. I hope that you will contact the firm and address this on my behalf.
Product: Credit reporting or other personal consumer reports

Sadly I'm still being blocked by Transunion and can not add statements to either of the previous disputes I have opened about two particular creditors. I also can not submit new disputes directly through Transunion for either of the two credit cards in question, from their site. I had two disputes I submitted to Transunion ( through XXXX XXXX ) for Ally credit and XXXX XXXX  and neither was honored by Transunion. On XX/XX/25 I submitted a dispute for XXXX and by XX/XX/25 they claimed they had resolved the inquiry and denied my claim just 3 days later without notifying me or adding a response for the denial. On XX/XX/25 I submitted a dispute for XXXX and on XX/XX/25 my dispute was approved but Transunion never updated my account to remove the ( one and only ) charge amount XXXX is currently reporting. Transunion continues to allow both creditors to report the amounts I am currently disputing with the same merchant, for complete chargebacks on both. No results are available to me w explanations after Transunion 's investigations pertaining to the two credit cards disputes reviewed. Since whatever amounts were being reported initially, are still being reported by the two creditors now, I doubt Transunion even attempted to do their due diligence to find out if those creditor accounts are working on my disputes investigating those particular charges. Transunion just tanked my score by 70 plus pts because they are allowing XXXX to report that my account is now 30 or 60 days late. ( I don't have a clear picture from XXXX XXXX and I wouldn't know exactly what the case is from Transunion because I still can't use Transunions site directly yet. ) Ally is however guilty of counting lateness and allowing them to pile up along w late charges all while they investigated my chargeback, the first time around and now. I am continuing to appeal the charges for both credit cards currently so any amounts they report back to Transunion would automatically be inaccurate at this time. I'm guessing in no time, a lateness will also be reported by XXXX. I disputed these same creditors and their reporting errors XXXX XXXX and they have completely deleted XXXX, for said reasons, from my report as of XXXX. XXXX 's reporting has also been silenced. XXXX is currently being reported as paid off and status not available by XXXX. On XXXX, there is also a lender or bureau comment stating that the amount in question is in dispute under the Fair Credit Billing Act for CareCredit.
Product: Money transfer, virtual currency, or money service

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal XXXX please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX PayPal XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, am filing this complaint against Spring Oak Capital regarding a debt that appears on my credit report. I dispute the legitimacy and accuracy of this debt, and I believe Spring Oak Capital is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that this debt be removed from my credit report immediately for the following reasons : 1. Violation of FDCPA ( 15 U.S. Code 1692g ) Failure to Provide Validation of Debt : Spring Oak Capital has failed to provide me with proper validation of the alleged debt. Under FDCPA, I have the right to request and receive validation, including detailed information about the origin, validity, and amount of the debt. Despite my request, Spring Oak Capital has not provided this information, and they continue to

report this debt on my credit report. 2. Violation of FCRA ( 15 U.S. Code 1681s-2 ) Inaccurate Reporting : Spring Oak Capital is reporting inaccurate information on my credit report in violation of the FCRA. Since the debt has not been validated and I dispute its legitimacy, this inaccurate reporting is harmful and should be corrected immediately. The FCRA mandates that furnishers of information, such as debt collectors, ensure that all information provided to credit reporting agencies is accurate and complete. Failing to verify the debt before reporting it is a clear violation. 
3. Right to Dispute under the FCRA : I have submitted formal disputes to the credit reporting agencies regarding this debt, yet Spring Oak Capital continues to furnish the disputed information without properly investigating the dispute, as required under the FCRA. This failure to conduct a reasonable investigation violates my rights under 15 U.S.C. 1681i ( a ).
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXXXXXX XXXX ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX military and I see accounts showing on my profile I did not open