23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never lived in XXXX, the city : '' Online Collection '' agency said that I received treatment. I have always lived in XXXX North Carolina. I have lived in the same address for the past 20 years. I have formally send the collection agency a demand to produce a written contract with my signature but all I received was copies of bills. These bill do not have anywhere that has my signature as required by legal presents. 
I have provided this company with my lease for the past 20 years as they demand but they claim they did not receive it. All my communication with the have been through certified mail, and I am able to track it and know when it was received. I have file two identity theft documents. One of them was the one they send directly to me. I call to make sure they receive it and they said, they did not but it was send by certified mail. I have all the documents and will mail it to you. 
I have other documents that I will mail because I do not have them scanned yet. This company have cost me money, they will say they want this document when I send them with certified mail they will say they did not receive it. This company has been paying games with my credit file and I will imagine they have been doing it to other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : {$1500.00} I declare under the penalty of perjury ( under the law of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621 This collection/Chargeoff found within my credit report are punishable as perjury under. This collection/chargeoff found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

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 has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

In 2022, my identity was stolen, which led to unauthorized transactions on my Capital One credit cards. I promptly reported the identity theft to the XXXX XXXX XXXX  the credit card company, and filed a report on XXXX. Despite consistent communication with Capital One about the fraudulent charges, they did not reverse the transactions and subsequently sent my account to collections. The collection agency pursued legal action, bringing the matter to court. Fortunately, with my lawyer 's defense, XXXX requested for a non-suit judgment from the court, which was granted on XX/XX/XXXX. This judgment recognized the fraudulent nature of the debt and led to the dismissal of the case against me.
Product: Checking or savings account

on XX/XX/XXXX my account was closed with sofi due to user agreement violations in which I disputed. The company in which I disputed eventually refunded me and shortly after the dispute was lost and I was found in violation. This was unfair in that the company I had the dispute with refunded me themselves and admitted there wrong doing. This happened in XXXX of this year. My account was closed XX/XX/XXXX with funds in them needed to not only pay bills but to attend a family members funeral. I asked for the date in which the check was mailed so I can make life arrangements. I have been told that it was mailed Thursday, Friday, and recently today I was told there is no way for them to tell when it was mailed. I am now being told it may be another week and a half before I receive the check. I just need to know when it was put in the mail so I can handle my life business. I am unable to without the funds from the account seeing this was my primary account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2025, I personally drafted and submitted a dispute letter to TransUnion regarding an inaccuracy in my credit report that is negatively impacting me. To verify my identity, I enclosed XXXX forms of identification along with the letter. 

However, rather than addressing the issue, TransUnion employed delay tactics, claiming they believed the letter was not from me on XX/XX/2025 XXXX
Product: Mortgage

Wells Fargo stopped drafting our account after my husband filed Chapter XXXX bankruptcy even though the mortgage loan was not included in the bankruptcy. They took our payments and then partial payments for a while but would not apply them to the mortgage due to the bankruptcy according to them. We applied for a loan modification and they asked for the same documents multiple times and drug the process out over a year. After getting no response from Wells Fargo, we were contacted by a company called American home preservationists. They asked for the same documents as Wells Fargo and instructed us to stop speaking to Wells Fargo. We sent them three months of payments in good faith. After receiving over {$3600.00}, they stopped answering or returning calls. 
Wells Fargo has now sold out loan to a company called XXXX XXXX. They are again requesting the same documents we sent Wells Fargo despite Wells Fargo sending us a letter stating they had forwarded all our documents to XXXX. 
We are 20 days from foreclosure and DO NOT want to lose our home. 
Wells Fargo account # XXXX American home preservationists account # unavailable but contact name is XXXX XXXX, XXXX, XXXX XXXX supposed underwriter. XXXX XXXX contact XXXX XXXX, XXXX. 
This has been going on since XXXX 2015!!!!!!!!!! 
Please help us not lose our home.
Product: Credit card

Im a victim of fraud and identity theft my bag with my wallet my phone all my credit cards was lost/stolen. It wasnt just synchrony bank. There were other banks involved as well and Im working as quickly as possible to resolve all the issues but I want to specifically talk about my Lowes credit card. I have never even got to use the card. It hasnt been open for very long and whenever I reported that Ive been a victim of fraud that a criminal was using my credit card. Youre very nice and polite. Theres a bunch of questions you ask me and I answered everything did everything you said you even issued a new credit card and Then The next day you tell me that youre closing my account. And you said I had too many balances on my revolving account if somebody just use the little common sense here and think about it right now my credit file shows that my balance on my Lowes card is like {$6000.00} but its not gon na continue to show that because youre going to investigate and find out that Im not responsible for it and Ill have a XXXX balance with the same thing has happened with multiple other cards, but you solution is to punish me for being a victim of fraud I mean, did nobody think about that did a computer make this decision you just open the account a month ago and now youre closing it because I was a victim of somebody stealing my credit cards. How is that my fault and how is it that you cant put two and two together and realize that a lot of those balances it just maxed out overnight are all gon na go away in a month or two but no big Bank you dont care about the individual. Your solution is to just close the account. Shame on you. I actually was going to use the house card. We were going to buy a new stove, but clearly you dont want my business.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me. I have not received any requested documents. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I obtained a XXXX rewards visa from chase XX/XX/2019 that promised to provide rewards points for purchases. I noticed that I'm not getting credit for the points. I called both XXXX and Chase service re : last 4 digits XXXX of my CC with them today 3xs. I  was told that it's not their problem and they accuse XXXX as the problem. XXXX accuses Chase is the problem. One of the CSRs for Chase said there is an incorrect email causing this problem but refused to tell me what that email is. Another Chase CSR says everything is correct. I asked to escalate this problem and to send me  documentation. They refused that. I think that Chase is intentionally avoiding responsibility. I complained to XXXX under incident Please reference Case #  XXXX. Chase should talk to XXXX to resolve this since they have the business relationship and contracts with each other but refuse to do so.
Product: Credit card or prepaid card

On XX/XX/11 I received a letter in my account saying my account was closed by chase bank. 

Ive contacted the bank as to why my accounts was closed and explain to them that I have done nothing wrong. 

I paid all of my credit cards on time The only thing I did was use a 0 APR promotion that they were offering on my card. 

I asked the bank to re-review the closure of my bank, and they still decided to close my account without reasonable merits.
Product: Student loan

I am a co-signer and make notations on each payment stub the allocation and additional funds to be applied to the principal. Navient once again, misapplied payments. Total amount paid for XXXX which they received XX/XX/XXXX 4 bills ). Loan # XXXX paid XXXX they applied {$330.00} XXXX ; # XXXX paid {$150.00} they applied XXXX - {$100.00} ; # XXXX paid {$200.00} they applied {$100.00} - {$100.00} ; # XXXX paid {$120.00} they applied {$92.00} - {$30.00}. The misappropriation of loan # XXXX caused additional accrual of the awful interest algorithm linked to student loans. Each month I write explicit directions on each payment stub and the total amount paid across the four loans. I also take photographs of stubs and check. The deregulation of student interest rates in XXXX continues to add to the coffers of Navient/Sallie Mae adding life long stress to their underemployed student borrowers and their co-signers. I have been going through these struggles since XXXX and advise all to never take out private student loans. I learned of the deregulation after much research in XXXX. Had my sons and I known of the deregulation, they would have attended local state schools avoiding these horrific interest rates and the consumer manipulations of XXXX year old borrowers. In addition, the principal is a combined original loan and left over interest from Sallie Mae ... rolled into a new principal that Navient charges interest on. Very manipulative and sneaky. Thank you.
Product: Credit reporting or other personal consumer reports

I have a credit freeze on my account and a extended credit alert on my credit report and TransUnion still allowed access to my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am reaching out to formally raise my concerns about Zelle 's approach to handling disputes, especially in light of the recent lawsuit by the CFPB, which has revealed serious issues with the platform. Despite using Zelle many times and reporting discrepancies, neither my bank nor Zelle took sufficient steps to investigate my claims. They informed me that recovering lost funds was not possible and that tracking the transactions was not feasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to take advantage of the system, leaving users exposed to scams.The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX  Unverified Account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To who it may concern, The information contains my Experian Report and XXXX Report, the credit reporting agencies is not reporting accurate information. As I call the agencies it was stated they do not reach out to the creditor they use whats in there database to confirm from each other ( XXXX feeds off Experian and Experian Feeds off XXXX ). Inaccurate way of doing things and a fraudulent way to keep thing on my report. I am asking for these agencies to do a full investigation with the creditor or a full deletion. This is not ethical at all and what the agencies is doing is fraudulent Please read all information. Thanks You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these be deleted : 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 reporting or other personal consumer reports

I want reported accounts removed. They were clearly not investigated properly. 

Here is the account. 

XXXXXXXX XXXX
Product: Checking or savings account

In  XX/XX/XXXX , someone forged and was able to cash out a check worth {$800.00} from my checking account, I filed a police report and filled out an affadavit. Fast forward to the next  summer o f   XX/XX/XXXX  I sti ll had n't had my situation rectified, so I visited   XXXX   XXXX   XXXX   Citibank and the branch manager   XXXX   could not tell me why my funds were erroneously cashed to a forged check, he was very hostile and rude and kicked me out of the branch. A few months later I received an {$800.00} refund from Citibank for which I was extremely happy about. Then in   XX/XX/XXXX  a r equest was made from   XXXX   XXXX   branch to have my account closed with no warning or reason. I called them to find out and the same man   XXXX   from   XXXX   XXXX   XXXX   is now branch manager of   XXXX   XXXX   Citibank, and I have never even been to that branch in person, which leads me to believe he ille gally closed my checking account as some sort of personal vendetta ag ainst myself since I had prevailed in the forgery check case from the year prior, which I can not even begin to understand how this man is allowed employment and be able to have such an abuse of power made available to him. I did nothing wrong and have never mistreated anyone at Citibank despite the massive frustrations they have caused me over the years, but this crosses the line and would like to pursue any and available legal recourse against Citibank and   XXXX   XXXX   branch manager  XXXX .
Product: Credit reporting or other personal consumer reports

Subject : Urgent Formal Dispute : Request for Immediate Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the inaccurate information that has been reported on my credit file by your agency. This letter serves as a formal complaint against the reporting of erroneous late payments associated with my XXXX Bank account ( Account Number : XXXX ). 
The specific inaccuracies include : Experian and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These late payments have been wrongly attributed to my account and are causing significant and unjust damage to my credit score. Despite my attempts to resolve this matter directly with XXXXXXXX XXXX XXXX they have failed to respond within the legally mandated 30-day period as required by 15 USC 1681i ( a ) ( 1 ) ( A ), which governs the procedures for the reinvestigation of disputed information. Their failure to comply with federal law in this regard has forced me to escalate this matter directly to you. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies like yours must ensure the maximum possible accuracy of the information contained in my credit report ( 15 USC 1681e ( b ) ). By continuing to report this incorrect information, you are not only violating my rights under the FCRA but also contributing to the ongoing harm to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX summit the mistake to the credit bureaus as me not being 30 days late on my credit card payment in XX/XX/2022. The credit bureaus Experian, XXXX and XXXX removed the late payment but never gave me back my points that I lost from the late payment being reported which was a XXXX point decrease. As a consumer, by law my credit report must be 100 % accurate immediately by the credit reporting agencies updating and/or removing the account listed in my dispute letter attached. The credit bureaus did not give me any points back at all which was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership, and they told me my credit report would only be ran once. But my credit was ran multiple times without my consent. 12 times. 

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 I went to get a a car and was told i would not have my credit ran to fill out an application, and they did so without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  no purchase was made No consent for this credit run XXXX XXXX XXXX XXXX- no consent and nothing opened FRAUD No consent for this credit run XXXX - no consent and nothing opened FRAUD No consent for this credit run XXXXXXXX XXXX- no consent and nothing opened FRAUD No consent for this credit run XXXX XXXX- no consent and nothing opened FRAUD
Product: Debt collection

After reviewing a copy of my most recent credit report ( s ) a found derogatory information that is being reported by a collection agency : MEDICAL DATA SYSTEMS. The original creditor is : XXXX XXXX XXXX. The alleged amount owed is {$140.00} I have no knowledge of this account and I am unaware of the alleged balance due. 

To begin, I never received any written notification or phone call regarding their collection attempts nor had I received any written correspondence from their client prior to this information being reported I never received any notice of my right to dispute or my right to request validation of this alleged debt. Pursuant to the Fair Credit Reporting Act and Fair Credit Billing Act, I have that right as a consumer, and this agency has clearly violated the Federal Law. They placed invalid and unverifiable information on my credit reports with out due process and has damaged my credit rating as if this was valid information. 

This damaging information was placed on my reports on or around XX/XX/2021 this was the first time I'd been made aware of this debt / account.
Product: Checking or savings account

I am unable to fully close my account with Revolut.

I continue to receive monthly statement emails from them, which indicates that my account is still open. However, I requested my account be closed more than 1 year ago.

I can not log into the Revolut app as the app believes my account is closed.

I can not contact Revolut because they provide absolutely no way to reach them without logging into the app.