23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Discover Financial Services has continuously violated my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. Discover has violated multiple federal laws over my time as a creditor with this company. 

On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws In response, I sent over a debt validation letter requesting for Discover to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 4 exhibits of violations, and an invoice for the number of violations found in each statement.
Product: Debt collection

Wells Fargo issued a Personal Line of Credit years ago and subsequently violated federal banking laws, mortgage laws and and foreclosure laws. They have been identified as having opened accounts without customer awareness or permission, and have knowingly violated federal banking laws. 

This makes them a business that violates the AML and Patriot Act and as a result, I refuse to make any payments to them. I am in a business where such transactions are prohibited, and it is through their own fault that they are now an organization in violation of AML/Money Laundering and the USA Patriot Act. 

The account number is XXXX. 

They are claiming that an amount is owed of {$3800.00}. They have offered to accept a settlement of {$1500.00}, but that would damage my credit rating, which has already been damaged from illegal actions taken by financial institutions. That would also require me to pay taxes on the amount forgiven. 

I am seeking a total elimination of the debt PLUS an amount equal to the tax liability PLUS the damages for the damaged credit score that I have incurred from this criminal financial institution that has violated state and federal laws. 

I am seeking a full release from the {$3800.00} amount for the account PLUS {$1000.00} for tax liability PLUS {$500000.00} for damages and the higher cost of credit that I need to pay as a result of their criminal activity which forces me to either violate the AML/Patriot Act and make payments to a criminal financial institution or have a damaged credit score.
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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against Equifax ( File No. 2025-CFPB-0002 ) for similar misconduct.

Equifaxs failure to conduct a proper investigation has caused significant harm, including damage to my creditworthiness, emotional distress, and difficulty in obtaining financial products. I provided all necessary documentation to support my disputes, yet Equifax continues to rely on automated processes or incomplete verifications instead of conducting a reasonable review. 

I request immediate action to ensure my disputes are properly investigated and the inaccuracies on my credit report are removed. Additionally, I request that the CFPB take enforcement action to prevent such violations from recurring and ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

this company is reporting to XXXX on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of Office Of The Atty. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

HUNTER WARFIELD CALLS NON STOP AND EVERYDAY DURING ODD HOURS. HAVE ADVISED THEM ABOUT PENDING DEBT VALIDATION
Product: Payday loan, title loan, or personal loan

My complaint regards XXXX XXXX practices and unfair Truth and lending disclosures with the act of deceptive practices. I signed a personal loan agreement using my car for collateral. I was given the Truth in lending disclosure showing my APR of 17.92 % for 56 months, amount financed {$18000.00}, and payments of {$470.00} monthly. Total cost to borrow this shows,. {$9000.00} total amount after all payments should be {$27000.00}. They not only charge the APR which should average {$160.00} monthly and the remaining of payment should go towards principle. This company charges the APR amount plus daily interest which averages {$6.00} daily, which amounts to approx {$200.00} a month. This daily interest is not what is stated in the Truth and lending disclosure. So this means they have been taking approx {$360.00} a month out of my {$470.00} payment for interest. The remaining balance of {$110.00} goes to principle, on a good month. I have no problem making this payment but only if they take the interest that is disclosed and apply the rest to principle. They continue to say that this is an interest bearing loan, which I thought all loans were, they do not adjust these figures and refuse to look further into their deceptive practices. I have talked with XXXX  the branch manager in XXXX XXXX, XXXX another manager in XXXX and many others in their customer service department in Kansas, I think. This company does not see this as a Predatory and deceptive practice, as I do. I would like to see this type of practice gone, as this is unlawful.
Product: Debt collection

I began going through a divorce XX/XX/XXXX. After which I was unable to continue payments on my XXXX XXXX XXXX credit card. Once I was able, I began making payments to XXXX XXXX XXXX and paid the balance owed in full on XX/XX/XXXX. During this time period I received notice from XXXX Card Services that my account was delinquent. I notified them I was paying the dept to the original creditor and that it would be paid in full. At some point Asset Acceptance LLC purchased the debt as well. I wrote to Asset Acceptance and asked them to remove the information and I sent them a copy of the final payment I had sent to XXXX XXXX XXXX. In return they sent me the attached letter dated XX/XX/XXXX. I NEVER sent any payment to Asset Acceptance LLC. I have tried unsuccessfully to have this negative information removed from my credit file but they continue to report and re-date the file. They continue to knowingly report inaccurate information to the credit bureaus. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, please remove all fraud alerts from my credit report. Remove the extended fraud alert as well. Remove any fraud alert that is reporting to my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

This Company has violate their rights by calling me 7 days a week including Holidays and nights and bullying me and they call my husband phone with the same tactic to pay a debt that has been years ago. I have all the phone record proof of how this company should be shut down with all the scam they are pulling. Now they are trying to sue me and take me to court over this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Transunion, XXXX, and XXXX  This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX, XXXX, CA XXXX ( please remove ) 2. I have no previous address of XXXX  XXXX  XXXX, XXXX, CA XXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX XXXX XXXX has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX Thank you, XXXX XXXX
Product: Credit card or prepaid card

To Whom It May Concern : My name is XXXX XXXX XXXX and I am currently a credit card holder of XXXX XXXX XXXX  furniture store. I have been disputing the late fees attached to my acct ending in # XXXX which have now accrued to {$190.00}. 
Please be aware that I have called on numerous occasions regarding this, to only be offered a one-time ( yearly ) waiver of 1 late fee. This domino effect of late fees are stemming from the fact that my billing address was never updated in the store back in XX/XX/XXXX when I initially placed my furniture order. 

When I received my first bill it was on XX/XX/XXXX and already had late fees when it was finally forwarded to me thru the postal service. I immediately called TD bank inquiring as to why they were sending the bill to my old address, when we changed all info in the store, when I placed the order and also gave the address to where to deliver my new furniture order. 

The staff member pulled up my account making note of an old order that I had previously paid off with XXXX XXXX XXXX and stated she does not know why it wasnt changed in the system but that she would amend the info and update it. She suggested that I pay my regular {$65.00} payment that day ( XX/XX/XXXX ) in which I did, and she would put a request in for the waiver of late fees. She also stated that I would be receiving my XXXX statement at my new address of XXXX XXXX XXXX, XXXX NJ within the next week or XXXX. 

I never received a statement for XXXX. I did, However, receive my first statement for XX/XX/XXXX at the correct address now with more late fees. I am requesting my account be adjusted to remove these late fees. I feel like I am being punished for something that fell short on the part of Raymour and Flanigan. I am now on a fixed income and these fees are causing me a major hardship. I have had other accounts with Raymour and Flanigan with Absolutely no issues that I have paid off in full and I would like to stay in good standing. 

These gouging fees can not be fair to the consumer. Especially when it was no fault of mine. I am requesting assistance from the CFPB in helping to rectify this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please see original complaint ID XXXX, that has been closed without resolution. 

Mountain Run Solutions, a debt collector, has purchased and is attempting to collect on an an account that has been charged off or placed in Default by XXXX. 
In the course of this attempt they have committed Mail Fraud and Identity Theft ; please see the following laws : 18 USC 1341 and 15 USC 1681q ( 3 ). Referring back to the original letter to Mountain Run Solutions, there are three issue
s I brought to their attention. Their response to that letter only partially addressed one ; debt verification. 

Also, please refer to paragraph four of my letter ; if XXXX placed the debt in XXXX or Charged Off the debt, no debt remains owed to anyone. Per my phone conversation with the CFPB, these types of accounts must be removed from all reporting agencies, thus my original complaint submitted to them. 

Mountain Run Solutions had until 30 days from date the certified letter was received ( XX/XX/21 ) to provide this information requested and comply with the law, otherwise they are required, per the FCRA, to delete the account they have reported to any consumer reporting agencies about me.
Product: Mortgage

Please see uploaded documents. 

Regions Bank in XXXX, AL ( XXXX XXXX ) Mislead my brother and me into a bogus mortgage loan. We were told my brother could not get a regular mortgage because he owed the IRS, which he was currently, paying on schedule. Instead of giving my brother a real mortgage loan he setup what I have now been told a balloon loan that was due in 5 years. XXXX could have used the house that my brother had got through XXXX and XXXX auction as the collateral. The house was worth three times the amount that my brother was trying to borrow. There was no reason for my CD to be use for the collateral. As a result of how XXXX setup up this loan and never told either of us that the loan would be due in 5 years, something that I would have never agreed to had that been mention at the time, Regions cashed in my CD and took the money. Now, I am out of over XXXX+ because of Regions, unethical and discriminatory loan practices, plus Regions made a ton of money in interest on this bogus balloon loan. Three other local banks that explained to me what Regions did said my brother could have received a regular mortgage loan and would have never had to use my CD. The money that my brother was trying to borrow and what was owed to the IRS was less than XXXX still way under what the house was valued at. Plus my brother owned land and that was never mentioned. XXXX 's primary focus was my CD.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Id like to file a complaint against Equifax for violating section 611 Of the FCRA. I filed a complaint with Equifax for reporting inaccurate information. Equifax verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Equifax and all the data furnishers listed below the required letters & I have not received anything from any of the companies. Ive further sent Equifax request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Equifax is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX PXXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XXXX XXXX.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload in MY FIRST DISPUTE. 
The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.
Product: Credit card or prepaid card

American Express is unlawfully retaining past personal and financial information on me on accounts of more than 20 years ago that were included in bankruptcy. These accounts were closed more than 20 years ago. What is the lawful purpose that American Express still has information on me in their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the credit bureaus since last year of XXXX about their CONSTANT violations of my rights. I conducted my own investigation into the responses from the letters they were sending me about validating and verifying inaccurate information they are reporting on my credit report as accurate. All three credit bureaus " claim '' that they verified the bankruptcy they're reporting on my credit report as accurate and they have " verified '' this with the courts. 

However, upon doing my own investigation by sending a letter to the courthouse myself on XX/XX/2022, asking them do they report bankruptcies to the credit bureaus and they responded saying that, " They do not report any bankruptcies to the credit bureaus ''. They also stated that " They are NOT a credit reporting agency and are not required to conduct investigations or respond to disputes ''. 

The credit bureaus also claim they have verified this bankruptcy with a 3rd party credit reporting agency as well. I have a letter from the 3rd party agency also stating, " We have reviewed the information from our Bankruptcy Records and determined the data being reported as unverifiable. The data in question has been removed and our files have been updated ''.

So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have violated my rights one too many times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ALL THREE BUREAUS are reporting multiple inaccuracies and misleading information.
Product: Debt collection

Westlake Financial will call you more then 4 times a day if you are not caught up with your car loan. They think it is ok to call you every hour on the hour from XXXX XXXX MST until XXXX any day of the week. They don't care about the laws cause I have told them to stop calling me so often ( but it's all done via computer so they say it's out of their control ). They don't see anything wrong with the harassment that their company does all the time! Please stop harassing your customers, we are well aware of our bills and when they are due and if we are current or not! You don't need to harass people about it!!!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I have been a victim of fraud. I need the mentioned hard inquiries removed from my credit report. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They do not belong to me, I will never authorize them
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX / amount $ XXXX/XX/XX/XXXXamount {$1500.00} filed ftc report and police report
Product: Debt collection

Portfolio # : XXXX MCM Account # : XXXX Document Types : chrgoff I sent a debt validation letter to XXXX XXXX on an account that was erroneous in nature. I have disputed this with all 3 credit bureaus. XXXX XXXX simply sent me a bill as validation of a debt. As the FCRA state clearly and case law validates, any company seeking to collect on an account must establish that the account is accurate and true in nature. A bill can not verify an account. They are refusing to remove this account from all three credit reporting bureaus in violation of the FCRA.