23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My first notification of being in collections was from a company called XXXX. I called XXXX XXXX after applying for an apartment and getting denied. This is when I found out it was in collections. The collections company is National Credit Systems. The issue is I have nothing in writing prior to the XXXX. They acquired my account on XX/XX/XXXX and claims to have mailed a letter to me. I do not have one and never received one. I have paid the balance but it is not reflected on the account not have I received a receipt. My credit card reflects the payment but nothing from them. The rep XXXX who " assisted '' me got very personal. She is offended if you ask a question, if you are intelligent, if you don't like how she is yelling at you, etc. She kept putting me on hold and asking about the other person on my rental application. How is it they have my rental application with non pertinent collection info on it???? I'm concerned about my data. I think they are holding my payment because of her attitude towards me. The supervisor XXXX was not helpful in correcting the behavior. I paid them more than 24-48 hours ago as of this complaint and still no receipt. The online account does not show the payment either. Have I been scammed. XXXX is no help, unaccountable and fake collections people there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion advised of only job XXXX is what should be on my record as well as address XXXX XXXX  XXXX XXXX XXXX tx XXXX and number XXXX XXXX XXXX seems they are have a issue with complying to demands of my consumer rights once again with readded loan me as a job for me which is not and should not be on any record of mine ... once again im being violated by a CRA that is using there status to infringe me in ways they should not be able. They are causing me unnecessary stress.i have proof it was removed so no way in the world that it should of been reverted and put on my file or report. 



i want loan me removed effectively today. or i will be seeking further litigation to there violation of my rights and refusal to be compliant to my demands.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX UWM vs XXXX XXXX  - The Failure Of Capitalism - Oligarchy Unfolds HURTING XXXX XXXX Quite Frankly No Wholesale Lender ( whether wholesale only or retail/wholesale care out the broker. UWM is efficient in processing and closing but very expensive and the value of the efficiency is not there. XXXX  is less expensive and not as efficient but probably more of a value to the broker.

The fact that UWM can use its power in the marketplace to hurt fair business practices is the issue that I think regulators should PUNISH UWM for. 

And poor brokers have to just sit here and take it. 

CFPB - bo something about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : USDOE/XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Portfolio Recovery Association {$660.00} Company has unautherized parked debt on my consumer report
Product: Credit card or prepaid card

Every month I pay my credit cards off before it 's time for the company to report to the credit agencies, and for the past three months my capital one credit card has not updated, which is drastically hurting my fico score.
Product: Mortgage

We went to our mortgage loan officer that we have used for all of our loans and as we were talking to him about the loan he told us because we wanted to build with XXXX his company Academy Mortgage would make us use a different loan officer. That we could not use who we wanted but who they wanted us to use in their company. We feel that that is not right and that we should be able to use someone we trust.
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 bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 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 XXXX business days, pursuant to section XXXX 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 XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX - 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 : ( XXXX ) 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 listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my file a lot of information is invalid. I am disputing all invalid information on my Equifax credit report to help fix my file correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Checking or savings account

In XXXX of 2015, I was sent a check in my name ( which was spelt wrong ) from XXXX has a secret shopper thing. I deposited the check into my Bank of America Account and did nothing with it, it sat in there for weeks to verify it. Once it was verified they immediately reported to XXXX XXXX. I then found out it was a scam that XXXX did and usually does every year around the holiday 's. Nothing every was reported to me for a while and I went to add something to my account and set a direct deposit, the account was closed without my knowledge. I have sent over the information prior to this and info on the scam and they still think I withdrawled the money, which i never did. i will attache the statement and you can see there was no withdrawal on the account let alone any deposit made on the account. 


Link below : XXXX XXXX   XXXX Link Below : XXXX XXXX   XXXX
Product: Credit card

On XXXX XXXX XXXX I booked a stay on the Capital One XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/2023 to XX/XX/ ( confirmation number : XXXX ). In total, XXXX {$1600.00} was charged, with {$300.00} travel credit from my Capital One travel bank, and {$1300.00} being charged to my Capital One card ending in XXXX. These screenshots are attached below. 
When I arrived at the property on XX/XX/ at around XXXX, I was informed that I had no booking with the property. The front desk then told me that the reservation I had was cancelled because of a cancellation of the third party that Capital One used to book the reservation. I called the Capital One travel support, which said that they would give me a refund for my booking along with a {$100.00} travel credit as compensation. 
Since then, I have called Capital One multiple times ( XXXX times ) regarding my refund. I have been told by the representatives that they will contact the hotel partner and hotel to give me a refund back. The property has me a partial refund of {$980.00}, credited to another credit card ( not the original capital one card that I booked with ), but Capital One XXXX, which I booked with, still has not given me any refund. XXXX attached below. 
It is unacceptable that after over a month timeline without a proper booking reservation, Capital One has still not provided me with a refund, after reaching out over 5 times over the span of a month. Each time, I am told I will get a call back with a resolution, and each time, that does not happen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear XXXX I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, payments dates, the last payment that i make and the date opened Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Student loan

I am filing this complaint with the CFPB and the Federal Student Aid Ombudsman because EdFinancial continues to act in an atrociously incompetent and downright evil manner. Compliance AVP XXXXXXXX XXXX recently authorized the closure of my CFPB Complaint case ID : XXXX simply because she was embarrassed that my legitimate case outlining the ongoing flaws with the Mortgage Verification Letter had gone on well beyond the 60-day limit provided by the CFPB guidelines, however, the first file she shared was unable to be opened on a XXXX XXXX XXXX and the second one missed the mark on my correct student loan balance end date by a full year ( see provided attachments ). When will federal regulators stop pulling their punches and start fining EdFinancial ( as with XXXX and other federal student loan servicer peers ) for gross incompetence? Enough is enough! I am demanding fines and penalties of {$5000.00} per day retroactive to my original 60-day CFPB limit for CFPB Complaint case ID : XXXX. I also want an injunction on EdFinancial requiring XXXX XXXX to personally take charge of my case including all email correspondence and updates through a comprehensive final resolution inclusive of detailed root cause analysis reporting, creation and submission of a formal corrective action plan for federal review and approval, as well as mandatory retraining for the entire EdFinancial customer service team on federal student loan servicing standards and mandates.
Product: Debt collection

I received a letter from Debt Recovery Solutions , LLC regarding {$3500.00} owed to XXXX XXXX, XXXX. This is not a company I have any dealings with. I do not know what the amount owed is for or could be for. I have been given 30 days to respond before further escalation of debt collection. This is a false complaint of money owed. I would like to report this company for fraud or false claims. 

False claim by : Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX, NY XXXX Reference # XXXX to be collected from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Capital One Account : # XXXX Capital One Auto Finance is reporting 34 late payments on an account that is now closed and paid in full on my XXXX and XXXX XXXX XXXX. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Capital One Auto Finance is in clear violation of 15 USC 1681b under the FAIR CREDIT REPORTING ACT.I have written Capital One Auto Finance to inform them and the items remain currently as they have not abided by the Laws expressed in the Fair Credit Reporting Act.
Product: Debt collection

On XXXX I called to find out more information on my account. While I was on the phone I was talked down to by the representative. I asked her to please work with me to help me understand what is going on and she kept interupting me, telling me I did not take care of the outstanding bill and spoke in a belittleing manner. I repeatedly asked her to please understand that I have some mental health concerns that prevent me from understanding things so if she could please help me. She continued to be very rude and I asked to speak to someone else and she was short, rude and put me on hold. I was able to talk to someone else and he was very helpful and provided me the information I needed to get this resolved. 
I would like to file a complaint about the company 's representative. Her name is XXXX XXXX and she works with XXXX XXXX. 
XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Telephone number XXXX File # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Experian XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, allowed XXXX XXXX XXXX XXXX, to place an unknown collections account on my credit report. First the company XXXX XXXX XXXX XXXX has no legal standings to collect on such alleged debt. There was no written notification regarding the alleged debt provided to me, the consumer. This is a Violation of the Fair Debt Collection Practices Act ( FDCPA ). This needs to be removed from the credit report immediately.
Product: Credit reporting or other personal consumer reports

Im extremely frustrated to see unauthorized inquiries on my credit report. I didnt expect any changes, and now Im worried about these random discrepancies. I tried refreshing the browser, but the problem persisted, which left me even more anxious. Im pleading for a thorough review of the documents Ive sent so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a collection account from XXXX XXXX XXXX through all three credit bureaus. The collection was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX from unpaid electric bill attached to a leased residence that belonged to a family member, that I had never resided. 

I disputed the same collection account with XXXX, XXXX XXXX XXXX, and the credit bureaus, with only XXXX removing the collection from my respective credit report with them. XXXX did see that my family members name was indeed on the account as the one leasing the residence and considered it resolved. Although I continued and attempted to pay the debt, I still wanted the collection removed from XXXX or TransUnion, or at least move the collection to the family members report.
Product: Credit reporting or other personal consumer reports

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 asked that the items be deleted to correct my credit report.. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission, identity theft, affidavit. Please delete the items as soon as possible.. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. After a recent review, I have noticed that there are late payments inaccurately reported on my credit history. I was the victim & I'm not sure why the CRA is not complying with the law. 

I have attached supporting documents, including bank statements and payment receipts, to demonstrate that the reported late payments are erroneous. I am confident that a review of this evidence will confirm the inaccuracies and prompt the necessary corrections. 

The late payments in question are associated with the following accounts : XXXX - XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXX XXXX customer service representative. 

I kindly request that you conduct a thorough investigation into this matter and, if appropriate, remove or correct the inaccurately reported late payments on my credit report. I understand the importance of accurate credit reporting and its impact on my financial standing. 

I appreciate your prompt attention to this matter and kindly request that you provide written confirmation of the corrections made to my credit report within [ 30 days ] from the date of this letter.
Product: Money transfer, virtual currency, or money service

I wen t to purchase money orders for my XXXX and XXXX insurance and beacuse of the poor customer service i decided to cancel one of the money orders purchases before it was executed. i handed over the teller {$2500.00} upon cancellation she gave me back {$2400.00}. i called to inquire about my missing money and i was given sarcastic disrespectful attitude over the phone and was told that its store policy that i must count my cash in front of the teller. Is it store policy to con your customers. Im sure i will never get back my money but i want corporate to know the kind of people they have representing their brand. i was just stolen from and there is nothing i can do about it. the address of the the western union is XXXX XXXX XXXX in XXXX, XXXX thank you and hopefully at least someone reads this.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Credit card

I have been having statement issues with paypal credit which I tried reaching out to them regarding but no resolution. I was charged a late fee in XX/XX/XXXX and a late fee in XX/XX/XXXX. I have since made the pmts due online. I called today and explained the situation. One of their reps offered to reverse the late fees but said the system would not allow them to put the reversal through. She contacted a supervisor who she claims also tried but again the system keeps kicking them out. I find this very difficult to believe. In the interest of good customer relations and in this age of technology, how is this possible? This is the same company who placed a hold on my account for months for no reason at all and I never complained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with XXXX and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor XXXX XXXX XXXX XXXXXXXX, Account/Card # XXXX, Original Debtor : XXXX, XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, Original Debtor : XXXX, XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Original Debtor : XXXX, XXXX XXXX, These accounts have been purchased, and should reflect paid on credit report.

THE FAIR CREDIT REPORTING ACT 623.

Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.