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

Discover is in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated.

( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

I the consumer have never given explicit written consent for Discover to " communicate '' or furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished.

I demand Discover cease and desist pursuant to federal law 15 usc 1692c ( c ). Discover is in violation if the account is continuing to report on my consumer reports and Discover does not have permissible purpose to report this account pursuant to 15 usc 1681b.

Immediately remove from all consumer reports DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have provided all the proper documents from identity theft.gov and even more documents and also a police report. Equifax has been 4 months with me, lying. some has told me they took it off. I get a different story every time..
Product: Mortgage

I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with Rushmore Loan Mgt Services. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. XXXX XXXX XXXX was the first. We are now working with XXXX XXXX XXXX to try to close this short sale. XXXX XXXX XXXX has a XXXX XXXX, XXXX foreclosure date. Rushmore is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting Rushmore to settle this loan with XXXX XXXX XXXX. I could also use help getting XXXX XXXX XXXX to move the foreclosure date out so that a reasonable closing can be processed.
Product: Checking or savings account

On XX/XX/year> a third party, XXXX XXXX, sent XXXX to my BMO account. The total balance of my account was XXXX after this deposit. 

I made three withdrawals after that for a total of XXXX. My balance was XXXX after these withdrawals. 

There was no more activity in my account after this time. After logging into my account I found that a debit was made to my account for XXXX with a memo account closed. 

I contacted BMO on XX/XX/year> to find out what this debit was, why, and where my money had gone. I was directed to the Fraud department. They told me my account was flagged as suspicious and decided to close my account, but instead of giving my funds back they decided to place it into " Unclaimed Property ''. They gave me no reason as to why they decided to treat my money in this way, and that I would not be able to retrieve this money. Instead, only XXXX XXXX, who sent those funds to me would be the only ones able to retrieve that money. 

I contacted XXXX XXXX XXXX on XX/XX/year> to see if they could help with the situation. They informed me, " I understand, and apologize for the inconvenience. However, the money has been processed from our end and deposited into your bank account, so they need to remove the hold. I recommend that you contact your bank to resolve the issue, as there is nothing more we can do since the funds have already been processed to your account. '' Now, my funds are just sitting in the unclaimed property department seemingly indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXXXXXX XXXX  XXXX {$9900.00} XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX {$18000.00}
Product: Credit card

I own a Chase Sapphire Preferred Travel Credit Card. 

On XX/XX/year>, I booked XXXX flights through Chase Travel, using XXXX points and paying {$200.00}. 

On XX/XX/year>, I canceled the flight due to the death of my partner, receiving a refund of XXXX points and {$200.00}, but I was also charged a {$220.00} cancellation fee. 

On XX/XX/year>, I submitted a claim to Chase Card Benefits Services as my case is insured according to the policy and confirmed by a Chase agent. I requested reimbursement of the {$220.00} cancellation fee. 

On XX/XX/year>, Chase approved {$18.00} for the claim. However, my policy provides coverage up to {$10000.00} per person and {$20000.00} per trip, and my claim was for {$220.00}. I requested a further review. 

On XX/XX/year>, Chase requested additional documentation : " The cancellation or refund policy from your airline, cruise line, hotel, or other travel supplier. The travel supplier hasn't responded to our requests, The cancellation or refund policy from your airline, cruise line, hotel, or other travel supplier. The travel supplier hasn't responded to our requests, so please send us a copy of the policy. '' Despite my efforts, I couldn't obtain this from the travel supplier, so I provided all available documents, including the cancellation policy and a screenshot of the {$220.00} travel statement. 

Since then, Chase has not actively progressed with my case. I have diligently provided all reasonable documentation, including itinerary, trip receipts, and transaction records. Despite this, I continue to be asked for additional documents repeatedly. 

Given these circumstances and the lack of progress, I am preparing to file a formal complaint regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX and # 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 state consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I had a Huntington Bank account with a negative balance go into collections in XXXX after serious health issues. I had since made a new account with them. On XX/XX/XXXX I had a {$500.00} withdraw come out of my Savings account and a {$290.00} withdraw come out of my checking acct. When I called the bank to ask how {$790.00} was pulled out of my account they gave me a phone number to call that could explain it all. So I called that number, and they told me they got my debt back from a collections agency and took my money. I had no heads up, they didnt reach out to set up a payment arrangement. They just took money without my authorization. It has put me in serious financial hardship as I was going to make my mortgage that same day and have not been able to catch up as my husband was injured at work the week before.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXXXXXX XXXX  account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a propera reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. 
I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit card or prepaid card

I have autopay set up with Care Credit, but instead of withdrawing the agreed-upon amount they withdrew the entire debt. 
I have called them multiple times and they are reluctant to help me. They said that I have to wait for the money to clear before they will even do anything. However, the debt is larger than the total value of the account and I will end up having a negative balance.
Product: Vehicle loan or lease

On XX/XX/XXXX I was instructed by XXXX real to sell my car to XXXX and pay the difference as a secondary option instead of surrendering the vehicle. Receiving the quote from XXXX and filling out documents to sell the car, I was told that the associate of sales at XXXX, by the name of XXXX, was giving the loan company an issue, finalizing the sale. XXXX XXXX then pick up the vehicle and sold it to an auction company only to leave me with the remaining debt and no vehicle. 
I have repeatedly called them and received no help in regards to this matter. On XX/XX/XXXX I called and spoke with an associate who took my information and reassured me that I would get a call back from the gentleman who handled the purchasing of the vehicle and selling of the vehicle with XXXX. On XX/XX/XXXX I called back again to gain further information on why this debt is still being reported. I spoke with XXXX in the title department and received a call back from XXXX stating that the car was repossessed because I refused to sign a release form with XXXX, which is completely false. My information was sold to another debt company and and is being reflected falsely on my credit report.
Product: Checking or savings account

Banker not starting an application to open a Small Business checking account even when presented with all required documents as listed on their website. On Tuesday XX/XX/24 walked into the XXXX XXXX XXXX branch inquired what was needed to open a small business checking account. The banker proceeded to ask pre qualification questions along with taking down my social security # and EIN # for business, When I mentioned one client paid through XXXX. She said we don't do XXXX and a second time we don't do XXXX, my response was they can pay via a wire transfer if needed. My other income was from a local University. On Tuesday XX/XX/24 I submitted an email with 7 attachments ( 2 Business Bank statement, EIN letter, Florida articles of incorporation, My Florida ID ). Then on XX/XX/24 I received a phone call on my cell from the same Banker asking for copies of all my contracts with my customers, still nothing starting the process. A comment the Banker made on the phone " we don't open accounts just for anyone ' along with the style and tone of all her questions on asking about my personal Bank balances seemed very arbitrary and after having other friends open business accounts at the same branch didn't receive the same level of scrutiny. Only difference would be that my friends were not of XXXX.
Product: Credit reporting or other personal consumer reports

I asked for a reinvestigation into the following accounts as they were not mine only to have been told they verified the information. I know this not to be true because these accounts aren't mine. i've since received documentation on the accounts in question with the following results. VERIFIED AS ACCURATE AND UPDATED. The problem with this is as follows. 

These accounts were charged off on the following dates : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX  # XXXX XX/XX/year> XXXX XXXX  # XXXX XX/XX/year> Since then all the accounts listed above have repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. i am demanding a deletion of the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX investigations are not being independtly conducted and this is a violation of my rights.
Product: Debt collection

I have disputed this debt with the credit bureaus as well as the creditor. The collection company responded by saying they were unable to locate my account or any valid documents proving I owe the debt. 

If option is available I can send copies of my letters as well as the creditor 's letter. 

Would like this removed from my report immediately as it is damaging, against the law, and ruining my chances of getting approved for more credit. 

Thank you for your help in this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Trans Union puts collection accounts on my credit report that do not belong to me. I have contacted the collection company, XXXX XXXX XXXX and the originator, XXXX XXXX XXXX XXXX, and they have agreed to clear them. Somehow, Trans Union still keep these collection accounts on my credit report. 
Note that the collection accounts belong to someone who has different name, date of birth, and address from mine. The collection company obtained my social security from a company called XXXX XXXX. I am not sure how these collections match with my social security anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I want to inform your office that you are in violation of fcra and fdcpa. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collection that are reporting has not been opened by me. I do not have knowledge of them. Be advise by law, I have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts and dates follow as : CONVERGENT OUTSOURCING opened XX/XX/XXXX FOR {$930.00}, XXXX XXXX opened XX/XX/XXXX FOR {$540.00}, XXXX XXXX opened XX/XX/XXXX FOR {$540.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX FOR {$540.00}. BY LAW WHEN A CONSUMER STARTS DISPUTE WITH XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOWS : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FCDPA UNDER U.S. CODE 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate 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. ( b ) Reasonable Procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card

Capital One Credit Card ending in XXXX XX/XX/XXXX I paid XXXX on the card. XX/XX/XXXX I decided to pay the card off and checked the full remaining balance and the current balance and paid the full payment of XXXX, The next day, they came back and charged an additional interest of XXXX. I called, spoke with a XXXX XXXX, asked for a refund, they said No, asked for a manager got XXXX employee # XXXX who also refused to refund the incorrectly added interest. 
I want the interest refunded and the account to zero like it should have been without all the hassle. I did pay the balance of XXXX today so additional interest did not accrue, but I want the XXXX refunded, with interest as this is a matter of principle and ethics.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate 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 's 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 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 's 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 administ
rative 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. Please remove XXXX XXXX XXXX and XXXX XXXX XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several request to have Equifax remove an account off my credit report that is identity theft. I have sent letters as well as my identity theft report and Equifax will not remove account. I would like this to be resolved immediately.
Product: Debt collection

Goldberg and Peretti have called my in laws multiple times this week stating that they were a law firm and that they were trying to contact me in regard to pending litigation they were about to file. After calling and requesting documentation of this alleged debt they refused to provide any documentation or any further information on the debt. They said they had attempted to serve me with a lawsuit but had been unsuccessful. Said they would have a supervisor call me back. I gave them my cell phone to call back and instructed them not to contact my inlaws further. They have called 6 times in 3 days to my in laws. Will not answer my calls and have not attempted to call me back directly. Threatening, misrepresenting themselves as a law firm, repeated calling and refusing to provide any documentation or information. these people are obviously agressively attempting to rip off a lot of people based on the all complaints I 've read so far. Please instruct them to cease and desist any and all further contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked each credit bureau to verify all info on my credit report is accurate on XX/XX/XXXX. Once the report came back from each, the reports all show inaccuracies from each furnishing companies after doing a personal thorough research. ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

Hard inquires XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 an account without my written instructions.

The furnishing company has inaccuracies in their reporting after stating all information is true to each bureau.
Product: Payday loan, title loan, or personal loan

I took out this loan. I was paying on if for 2 years prior to Covid19 and my balance never changed. Covid19 hit, I list 6 family members to include my mother. I have had my own battles with XXXX I have siblings with long term symptoms. Several people remain out of work today. A lot has been placed on me! I can no longer make payments in the amount that they want. I asked for an interest rate reduction. I need a permanent reduction in the payment and the interest rate. The majority of my payments go to interest. At this rate it will take way to long to pay this off. They have pushed some payments to the end of the loan. When the time frame comes to an end I am still not able to pay the entire payment. The majority of my payment still goes to interest. I asked for them to forgive all or a portion of the loan. They will not do either. Im going back and looking over my loan, the interest rate is tremendous. I am pretty sure they have broken the Usury Laws in Georgia. I feel that I am a victim of Predatory Lending. They were also sued in Virginia for Predatory lending practices. as recently as 2018. I just need some help!