23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within XXXX  days. Attached are the relevant documents for your review and reference.
Product: Payday loan, title loan, or personal loan

I have continued to have trouble with making my payments with Money Lion. My trouble has been because I can either pay the loan in full or I am forced to call them and they are impossible to get a hold of. I needed to switch my payment card number because I had a new card. It was impossible to get a hold of anyone to change my payment info. I emailed them on XX/XX/XXXX and was able to change my payment info finally on XX/XX/XXXX. Once I got a hold of them I made all payments and the account was brought current XX/XX/XXXX. Since the payments on XX/XX/XXXX they have had my current and new payment info and have not taken the payments out when they were suppose to.
Product: Debt collection

On XXXX XXXX. I was checking my consumer credit reports and discovered my credit score dropped XXXX points. I checked further and noticed a company called Transworld Systems 1. on my report for {$200.00}. I have no knowledge of this alleged debt or company and the company is supposed to send a document, mail, proof of some sorts for me to dispute this debt. I have not received nothing, and for it just to show up on my reports is not right as the consumer. My credit took a hit for nothing, company did not do their part. 
I sent them a certified letter which they should be received XXXX XX/XX/2022 as a matter fact. Sharing how they violated me. I will be fighting this and I also shared, I want it removed.
Product: Credit card

I am being charged an interest rate that is 2 % higher than what is advertised. My current interest rate on my credit card from USAA is 30.4 % versus the 28.4 % advertised as their highest possible interest rate for their XXXX XXXX credit card the same that I have. as a XXXX veteran, I find that this is very deceiving and wonder how many other people have had this issue. When you pay {$100.00} and your minimum payment is roughly the last time I saw it was XXXX or XXXX dollars. I may be incorrect on that just because I do try to pay a little bit more and your interest charge is XXXX dollars it makes very difficult to pay off a credit card.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$2200.00}
Product: Debt collection

I have received phone calls from Premier Recovery Group ( XXXX ) XXXX at my place of employment. The first time it was an extremely rude gentleman on the phone who I kindly requested to not call my place of employment. He stated " that does n't work for him '' and continued to harass me about when I would pay him so I had to hang-up. A few days later I received a call from the same company while at work, but this time it was a woman stating she was told by her coworker that I wanted her to call me back while I was working so I could give her my information to give her money. I told the woman that was false and asked her to please not call me at work - she continued to get increasingly harassing so once again I had to hang-up. The same woman called right back to my place of employment and proceeded to tell my coworker who answered the phone that she is sending paperwork to garnish my wages from my paycheck because I wo n't pay her and asked my coworker for the office fax number. I have asked Premier Recovery Group on multiple occasions to not call my work and now they are telling my coworkers I owe debts and they are going to garnish my wages. My boss caught wind of what was going on and now he wants to know why somebody is repeatedly calling the office and threatening to garnish my wages. Premier Recovery Group has crossed the line in several different ways. Premier Recovery Group CAN NOT disclose personal information to my coworkers about personal debt or say they are going to garnish my wages nor can they continue to call a professional business when they have been told not to contact me at my place of employment more than once.
Product: Debt collection

I received a letter served to my residence by our local sheriff department on behalf of Midland Funding,  LLC ( a debt buyer company ) that received a credit card debt from XXXX XXXX XXXX. I attempted to repay after having a hardship ( XXXX XXXX XXXX ) ..when I was able to pay I called to pay off card. I asked when my available credit would be available after payment I was told the card had been closed. I was not notified at that time and immediately after then I began hearing from debt collectors. Now I have received a letter to come to court. I don't have proof of my phone call with the company but how can i combat this. This debt has been sold off and now the other company is coming after me.
Product: Student loan

Dealing with XXXX XX/XX/2022 I reached XXXX payments ( my form had been canceled ) XXXX I called multiple times and submitted another form and was told I would not transfer to Mohela. XX/XX/XXXX my 124 approved payments transferred. 

I called Mohela in XXXX and was told all was good and it would be discharged in a couple weeks. Its been 3 months and nothing has happened. 

Its next to impossible to speak to anybody there now. This process has been going on for 7 months. 

Another person went this route and suddenly the got a forgiveness letter from Mohela. Trying this because I dont know what else to do anymore.
Product: Mortgage

We bought our current home and originated our mortgage on XX/XX/XXXX of XXXX. The mortgage was set up with no escrow account and the annual fee for our Homeowner 's Insurance was paid through the close of the home. The loan was funded by XXXX XXXX XXXX, sold to XXXX XXXX and servicing was assigned to XXXXXXXX XXXX 

In XXXX of XXXX I received notice from Shellpoint Mortgage that they are adding a {$410.00} monthly escrow payment to our account. When I reached out to Shellpoint to find out why I was informed they had received the annual renewal for our Homeowners Insurance and had paid it. Although the renewal was not due until XXXX. When I mentioned we do not have an escrow account on our mortgage, I was instructed to send in an escrow payment to cover the renewal and they will request removal of the monthly escrow payment. 

After making the payment to cover the insurance renewal I received notice that they can not remove the escrow payment because we have not had our loan for a year. I again called in and explained the circumstance and again I received a letter stating we had not made enough payments for them to remove our escrow account. 

On XX/XX/XXXX I called in and spoke with a Supervisor named XXXX at extension XXXX. She looked through the notes and realized we never had an escrow account on our mortgage and that they were collecting {$410.00} a moth for no reason. She assured me she would take care of the issue the escrow payment would be removed and the balance refunded within a week. However nothing changed. 

I called back on XX/XX/XXXX and spoke with another Supervisor name XXXX at extension XXXX. She saw the previous notes and asked me if I had a copy of my mortgage note which I did not. As the mortgage servicer you would expect they should have a copy. I explained to her the previous Supervisor was able to see we never had an escrow account and at that point we are paying an additional {$400.00} a month for no reason. She again said she would clear up the issue, and again nothing happened. 

I have called several times since and left messages for both XXXX and XXXX but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX 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 and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 

Thank you
Product: Student loan

I am submitting a complaint against the National Collegiate Student Loan. This debt was included in my Chapter XXXX bankruptcy but I am still being contacted by several different debt collection agencies regarding this student loan. I originally got the loan through XXXX XXXX XXXX in 2004. I never missed a payment on the loan until it went to bankruptcy. I was sent to XXXX different collection agencies. Once I send them my bankruptcy information they leave me alone for while and then after some times goes by another agency starts contacting me. I tried to work out something through the company I was paying ( AES ) the National Collegiate Student Loan but they would n't work anything out ( This was done before the bankruptcy ). The loan never went down since I was paying on it and I ca n't afford to pay this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

I have recently gotten into looking at my credit report for the first time in my life, over the last 6 months. Ive been in and out of the United States 3 times of the last 4 years, due to my deployments. I have recognized many fraudulent items opened in my name. The only XXXX XXXX  account I had was my XXXX XXXX with them. 

The XXXX XXXX XXXX XXXX account ending in XXXX was opened by someone other than me. 

Additionally it has been a charge off, but XXXX has recently reported it as opened. It can not be a charge off and open account.
Product: Debt collection

I'm trying to repair my credit and came across this dept that is owed which is unbeknown to me. {$660.00} is says I owe but for what? Please send me a copy of original bill, validation of purchase of debt, copy that provides proof to collect in my state and my signature as per the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

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: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX of XXXX, NJ, regarding an unauthorized credit inquiry and misrepresentation during a recent car purchase attempt. 

On XXXX, XXXX, 2024, I visited XXXX of XXXX, NJ, ( XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) to purchase a vehicle. After selecting a car, the next step was to finalize the financing process. During this process, I inquired whether the dealership would consider taking my used car as a trade-in. The sales representative agreed, and I informed them that I would return with the vehicle and the agreed-upon down payment in cash. 

While I was at the bank to obtain the down payment, I received a call from the sales representative informing me that the car I had selected was already sold XXXX days prior, and they had made an error. I immediately asked if my credit had been run, and the sales representative assured me that it had not. 

However, shortly after this conversation, I received a notification from my bank indicating that my credit had indeed been run without my authorization. I returned to the dealership to request a copy of my credit application. The document I received was only partially completed and did not include my signature, clearly demonstrating that my credit was checked without my final consent. 

I am deeply concerned about this breach of trust and unauthorized action, which has impacted my credit report. I request that the CFPB investigate this matter and ensure that the dealership is held accountable for their actions. 

I appreciate your attention to this issue and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my credit report, I noticed that there is an inaccurate late payment information and its really hurting my credit score.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 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 these places has violated my rights, 15 USC 1681 section 602 A 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 an account without my written instructions. 15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX   XXXX, the courts ruled each and every time that the CRA couldnt  merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX that was advertised as a free soft check. I was alerted immediately that a hard check went through on XXXX. I spent the rest of the night being bounced around to voicemails and various companies including Credit Plus to report the error with no response. I found later that my XXXX report had also been hit. XXXX was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " loan officer '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from Credit Plus about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Checking or savings account

My name is XXXX XXXX Im a customer of Navy Federal financial bank, my account always negative and they always charge over your feet, Ive been with Navy Federal Bank since 2022 they deny every credit application that I ever put on, I started to believe it because of my XXXX  and my XXXX XXXX thats why they always deny me for everything, how would you like you guys to do some investigation on them for me please? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 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
Product: Credit card

Hello, When I was making the payment for my store card, the website wouldnt allow the payment to be processed. According to the website, because Im paying after 5 pm I had to choose the next payment date which is tomorrow. By doing, I am now being charged a late fee. I attempted to pay this card at 7pm. Theres no reason why the payment shouldnt have been taken except for the fact that now the company is forcing me to pay late so they can assess a {$40.00} fee.

I have numerous late fees due to this exact situation.