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

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given consent toward. I am frustrated and my consumer rights are being violated. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately, 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 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 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 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 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 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 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
Product: Credit card or prepaid card

I closed my XXXX 's Card back in XXXX of 2008. It is still showing up on my credit report, twice. I would like them to both be removed. The balance has been paid off a long time ago. This is effecting my credit score and I am currently working to get this score higher.
Product: Checking or savings account

I have been making direct deposits of part of my paycheck into a Bank of America checking account for several months. They require {$250.00} worth of direct deposits each month to avoid a $ 12 monthly fee. I have been doing this and actually three deposits of {$120.00} were made in XXXX. Now they say that there needs to be a single direct deposit of {$250.00} each month to avoid the fee. I was charged this fee on XX/XX/XXXX. I feel tricked. My financial accounts are not a joke to me. I can not have my company change their payroll every other week so that I can lump sum the full {$250.00} 12 times per year and deposit {$0.00} the other 14 paychecks. They won't allow it. So, I have been meeting the requirement by making a direct deposit each paycheck for at least {$120.00}. I chatted with XXXX on XX/XX/XXXX at XXXX AM central time and she did not help me.
Product: Credit reporting 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 15USC 1681. XXXX, XXXX XXXX # XXXX. XX/XX/XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX. Has violated my rights I look at my Transunion credit report on XX/XX/scrub>, 2025 and noticed something are incomplete and not accurate. And according to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates USC 1681 ( e ) ( b ). And according to 15 USC 1681 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer reporting agency shall promptly delete that item of information from the file of consumer, modify that item of informations, as appropriate base on the results of the reinvestigation and promptly notify the furnisher of information that the information has been modified or deleted from the file of the consumer and 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I contacted XXXX XXXX. about opening and account. I told them that I would be moving in a few months and that if it was a problem to move, I would wait to get service until I have moved to my new place. The representative told me that it would be no problem, as you get XXXX free move a year and I could get it moved to the new address. So I signed up. When I got ready to move, I called XXXX to have my service moved and was told that it would be over {$400.00}. I explained to them that the rep said I could get XXXX free move a year. Now they tell me its only after you have had service for XXXX year that you get a free move. I asked to speak to a supervisor, started all over and was told the same thing. I was told that the sales rep did n't have anything to do with moving that was a different dept. I told them that since all of my calls were recorded, they could look it up. I paid my bill for the months that I used the service and did not move it because they lied to me when I signed up and I would not pay for to have the service moved when they assured me in my sign up that it was free. They broke the contract by not doing their part of the agreement. They should not be able to harm me or my credit by adding a report that does not reflect what really happened. It is not an unpaid bill. They did not supply the service that I signed up for and I am not responsible for it. They can not lie to get a consumer to purchase a service and not stand behind what they say, then expect to be paid for it anyway. Companies take advantage of people and then we either have to pay a bill that we do not owe or have our credit harmed. It 's not right that they can come back in over a year later and put a harmful account on my credit. I was very happy with my service and probably would still have it if they had moved my service as they said. They need to have everyone in their company on XXXX page. They ca n't just say XXXX thing and do another. Even if that was their policy, ALL employees should be trained and know that policy, every department, every erson. It 's not right to say they are not responsible because someone in their company told me wrong. It is their responsibility. They can go back and listen to the recording. Simple answer. Stand behind what their own representative told me to get me to go ahead and sign up for service now. I could have easily waited until I moved. Thats why I questioned it and told them I was moving from the very beginning. XXXX XXXX. lied to me to get me to sign up and did not follow thru with the service they gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete late payments from XXXX XXXX XXXX XXXX FROM XX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under XXXX XXXX XXXX - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. XXXX ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section XXXX of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of identity fraud XXXX. Fair debt collection practices act XXXX XXXX violations XXXX. Fair reporting act XXXX XXXX violations for willful noncompliance XXXX Civil liability for willful noncompliance XXXX XXXX Best Regards, XXXX XXXX
Product: Mortgage

FREEDOM MORTGAGE ORGANIZED A COMPLICATED FRAUD COVER UP IN XX/XX/XXXX WITH XXXX MORTGAGE. XXXX XXXX HAS CONFIRMED LOAN ORIGINATION FRAUD AND EMBEZZLEMENT / MISAPPROPRIATION OF FUNDS OCCURED AT FREEDOM MORTGAAGE AND XXXX XXXX WHEN FREEDOM MORTGAGE WAS CONFRONTED AND CAUGHT ... THEY SOLD THE LOAN TO XXXX *** XXXX REQUESTED THE PROPER LOAN DOCUMENTS TO PROVE THIS WAS NOT A FRAUDULENT LOAN .. AND INSTEAD GOT AN ORGANIZED CRIMINAL COVER UP ORCHESTRATED BY FREEDOM MORTAGE 'S VICE PRESIDENT, XXXX XXXX *** FREEDOM MORTGAGE NEVER PRODUCED THE DOCUMENTS NOR DID THEY DEFER OR REFUSE TO COMMENT AS UNAUTHORIED 3RD PARTY IN XX/XX/XXXX ...  ALTHOUGH LEGALLY THEY SHOULD HAVE AND FORCED XXXX TO CANCEL THE LOAN DUE TO NOT HAVING THE PROPER DISCLOSURES OR LOAN DOCUMENTATION *** FREEDOM MORTGAGE LIED TO THE CFPB AND THE CONSUMER IN XX/XX/XXXX AND XX/XX/XXXX AND MISLEAD BOTH OF THEM ON HOW THE REAL ESTATE SETTLEMENT PROCEDURES ACT WORKS WHEN ENFORCED *** YOU CAN NOT MISLEAD A CONSUMER ... YOU CAN .NOT LEAVE OFF LENDER REQUIRED ITEMS TO MAKE A PAYMENT APPEAR LOWER *** WHEN ERRORS OCCUR THEY HAVE TO BE CORRECTED OR 100 % OF THE LOAN HAS TO BE CANCELLED ... IMMEDAITELY ... WITHOUT QUESTION, HARASSMENT, EXTORTION OR ANY FURTHER COLLECTION ATTEMTS OF ANY KIND *** THIS IS COMMON SENSE AND IT IS THE LAW IN EVERY INDUSTRY*** XXXX HAS NOW LOST THEIR STAR WITNESS ... XXXX XXXX KNOWS SHE BROKE THE LAW AND NOW REFUSES T COMMENT *** XXXX KNOWS FREEDOM MORTGAGE BROKE THE LAW *** XXXX BROKE THE LAW BY COVERING THESE FACTS UP *** AND NOW EVERYONE IS HIDING FROM EACH OTHER HOPING WE JUST GO AWAY ... THERE IS A 0.0 % CHANCE OF ME GOING AWAY WITHOUT JUSTICE IN THIS CASE ... I FOLLOW THESE LAWS EVERY DAY ... I EXPECT EVERYONE ELSE TO DO THE SAME WITHOUT QUESTION ... ALWAYS FREEDOM MORTGAGE ANSWERED THE PREVIOUS COMPLAIBTS FALSELY AND ENTHUSIASTICALLY ... SO WHY BE COY NOW??? YOU BROKE THE LAW,,, FACE THE CONSEQUENCES. I CAN NOT SELL STOLEN GOODS OR MISLEAD PEOPLE BY HUNDREDS OF THOUSANDS PF DOLLARS ... AND NEITHER CAN THEY. WE ALL FOLLOW THE SAME LAWS ... SOME OF US JUST NEED FINES AMD PRISON TIME AS REMINDERS. WE HAVE PROVEN FRAUD ... XXXX CONFIRMED FRAUD AND LATER COMMITTED THEIR OWN FRAUD ... SO WE ARE EXERCISING OUR RIGHT TO IMMEDIATE LOAN FORGIVENESS. IF THEY REFUSE TO COMPLY ... I ALSO WANT THE RECORDING MADE OF MY XX/XX/XXXX-XX/XX/XXXX PAYMENTS AND XX/XX/XXXX TO XX/XX/XXXX PAYMENTS IN XX/XX/XXXX ... WHERE XXXX COMMITTED WIRE FRAUD BY TELLING ME THEY WERE APPLYING PAYMENTS TO MY ACCOUNT WHILE SIMULTANEOUSLY STEALING THEM AND NOT PAYING PRINCIPAL AND INTEREST FIRST AS REQUIRES BY THE RESPA. ALSO ... WE HAVE ESCROW FRAUD IN XX/XX/XXXX. I IMMEDIATELY PAID THE ENTIRE ESCROW SHORTAGE FROM THE ANNUAL REVIEW OF XX/XX/XXXX AND IMMEDIATELY GOT A DEMAND LETTER FOR MORE MONEY AND ANOTHER ESCROW SHORTAGE ... THEY CONTINUE TO USE COMPUTER FRAUD TO STEAL $ $ $ AND LEAVE CONSUMERS STRUGGLING TO KEEP UP WITH THE CONSTANT DISHONESTY.
Product: Credit card or prepaid card

When making payments to my Wells Fargo Visa, the payment amounts above the minimum payment due isn't being applied to my cash advance balances. They seemed to randomly apply most of the payment to my purchase balance first thus not bringing down my cash advance balance in order for the cash advances to be available again. This isn't right and I don't think it is in their card disclosures of how payments are applied.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  TALBOTT, ADAMS, AND MOORE INC fo r reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX XXXX XXXX  XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$8500.00}
Product: Debt collection

Nordstrom has one account on my credit bureaus that belong to my wife. My wife has a negative payment history on this account, so I respectfully request its removal from my credit bureaus. My name is XXXX XXXX XXXX, my wife 's name is XXXX. I would be very appreciative if this account could be removed from my credit bureaus as an authorized user immediately, thank you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5500.00} Status Account charged off. {$5500.00} written off. {$5500.00} past due as of XX/XX/XXXX. 
Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$59.00} Status Closed. 
XXXX  Under dispute Date opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Repossession. {$4500.00} past due as of XX/XX/XXXX.
Product: Mortgage

I would like to prevent others who have a mortgage or could have one in the future form being stuck with PHH Mortgage. I closed on my home in XXXX and had 2 mortgages- one a larger dollar amount, 30-year term loan and the other a smaller 15 year-term loan. I have faithfully paid both mortgages on time every month, even in XXXX when I was laid off from my job with XXXX XXXX in XXXX, NJ due to the company being acquired by XXXX ; it took me almost a year to find a job. Recently I have had the good fortune to have been able to pay off several student loans as well as my credit card debt. I am now working on my mortgage debt and paid off the smaller mortgage balance on XX/XX/XXXX ( {$1200.00} ). I paid it off online as that is how I always make my payments on this loan. Nowhere does it say a customer needs to call to get a payoff code generated, and that a check can not be sent that it needs to be a cashier 's check or certified check. The payment was deducted from my checking account on Tues. XX/XX/XXXX. Using the PHH mortgage online system, it ways the payment was received on XX/XX/XXXX. However under the messages for my mortgage, a message dated XX/XX/XXXX, says that the payment was applied into a suspense or holding account and that the cash management team will review this and apply accordingly within 24 to 48 hours. You will receive a new e-mail alert and message ones this amount is applied. '' I received no such notification as promised by their own stipulated review date and my account for this mortgage is still showing a balance for the amount that I paid XX/XX/XXXX. I called about this Monday XX/XX/XXXX and was told for the first time by XXXX ( id XXXX ) that to pay off the loan I had to call to have a pay off code generated and that the payment must be made by cashier 's or certified check. When I said that I just wanted my money returned to me and I would pay it off by paying my usual monthly payment, I was told that would take up to 10 business days, When I said that was unacceptable and far too long, I spoke to someone named XXXX ( ID XXXX ) who said she'd be able to waive the requirement for a cashier 's check and have it applied and would look into it and let me know if there was any additional balance that needed to be paid off prior to the payoff letter being generated. I was told she'd call me back within 24-48 hours ; she gave me a generic number with no extension to reach her. She ended up calling today and left a voicemail message stating to call her back with no other information. I had to wait 24 minutes on hold only to find out she was not available. The man I spoke to looked at the account and said she called to tell me there was no new news on the account and that she was on it. In all it took me 34 minutes to find out I was in the same place as I have been and I am still out the money I have paid them. Could you please look into this on my behalf and publicize the poor business practices of PHH mortgage? Thanks so much
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO DISPUTE INQUIRED IN MY CREDIT REPORT THAT YOU WERE MADE WITHOUT MY AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX i was called at around XXXX XXXX while i was still at work, a lady stated she was looking for XXXX, i told here thats who i was, she stated she was from navy federal and that i had an account that was negative $ XXXX dollars, i stated i was aware and wanted to take care of the account but currently could not because i had no way to make a payment due to not having my debit card with me, she refused to call me back in 1 hour, or allow me to go to the branch to handle this matter, i explained my situation, she was very rude in the matter and then stated several times she could only debit the funds from a diffrent account i have with there institution. I stated i would like to handle the payment either in the branch or to call me back in one hour, she refuesed and stated she would just take the funds out of my other account. At that point in time i stated i do not agree with that transaction and that i would only allow half of the amount be taken out and the other half taken out on XX/XX/XXXX. She never gave me her ID number or full name, or her location she was calling from, she never offered to transfer me to her supervisor or clarified where i agreed to XXXX XXXX  policy to just take a payment from someone without there consent which she said she would do if i agreed or not. Once the payment is taken out on XXXX XXXX i will be closing my account with this institution due to there practices and i believe violations that occured during this single phone call, i have never had an issue with this bank until today when this employee called me!
Product: Debt collection

I submitted a debt validation request to Eastern and also requested the company to cease and desist, explicitly requesting no further communication concerning this debt. Despite these actions, Eastern has reported this account to my consumer credit report. 

these actions are in direct violation of the FDCPA, which prohibits debt collectors from continuing to collect on disputed debt without proper validation. Reporting the account to credit bureaus while its under dispute also violates my rights under the FCRA. 

I have attempted to resolve this matter, I requested Eastern to send me specific information to validate the alleged debt. instead they only sent me a bill of the debt ; Eastern needs to send me the original contract or agreement that outlines the terms of the debt, including the amount owed and the date it originated. I need a complete history of payments made toward the debt, including dates, amounts, and how those payments were applied. also the name of any other entities that may have owned or serviced the debt prior to collection.

I need documentation that proves the collection agency has the legal right to collect on the debt, including any assignment or transfer of the debt.

I need details on when the debt was reported to credit bureaus, including information on how it is impacting my credit report. 

I have attempted to resolve this matter directly with the collection agency, but they have ignored my requests and continued their collection efforts. 

I am requesting that the CFPB investigate this matter and take appropriate action against EASTERN to ensure compliance with federal consumer protection laws
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to your response on complaint # XXXX. 

Please see the attached your response and my first complaint. You stat in your response that you sent me " NOTICE OF OUR PLAN TO SELL PROPERTY '' the date titled on your letter says XX/XX/2021. I am requesting tracking on that letter, to verify you have sent this letter. Also know they results of all of your answers are being kept as evidence by myself and a consumer law firm. Please be mindful the Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS XXXX Repossession, disposal of pledged property ; excess proceeds state 's " Upon taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. XXXX. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. '' Also please be mindful that you never marked in my credit report status as " being disputed by consumer '' within 30 days. I have files on this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XX/XX/XXXX  I made several calls to XXXX, Equifax, and XXXX Consumer Solutions reporting agencies, to inform them that my consumer report had inaccurate information on them. Names, addreses, phone numbers, and employers are inaccurate which have been reported without my consent nor to my knowledge.