23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Husband and I have received letters from a Collection Agency in regards to a debt we allegedly owe so in return we requested validation for both of us. The original letter from them apparently indicated we both are debtors from the business they purchased the debt from. First : The validation we received did not indicate my husband was a debtor. Second : This Collection Agency is attempting to make us pay an amount above the original debt by adding fees and interest. This violates the Fair Debt Collection Practices Act both Federal and the State of Tennessee. Third : They refuse to answer all the validation questions I sent them that were within legal parameters to ask. I would like to mention this Collection Agency has had several complaints against them with the XXXX XXXX XXXX for the same violation.
Product: Credit card

I rented a car in XXXX using my Capital One credit card. Upon completion of the rental, the company ( XXXX XXXX ) charged my card an unexpected amount in USD ( XXXX XXXX XXXX, {$950.00} ) instead of the expected amount in Euros. They did this without my consent although they are required to ask the consumer which currency they want to pay in. I made numerous attempts to have XXXX correct the issue but they have refused to admit that I was charged incorrectly. I filed a dispute with Capital One since the rental company would not help me. Capital One also refused to help me claiming the reason they can't help is because the amount on the invoice matches the amount on my credit card statement. This is true however the invoice says " customer was given a choice which currency to pay in '' which is NOT true. I have explained that the issue is that the associate did NOT ask me which currency to pay in and so they charged me the {$950.00} without my consent, taking what amounted to an additional {$53.00} in conversion commission fees. ( This amount of {$53.00} comes from verifying Capital One 's Visa currency conversion rate which shows me what the rental would have cost if the company had charged me in Euros as I had expected ). Capital One refused to take any action to help me with this issue. They state they must follow the rules of Visa which will not let them help with this. I asked if they have any other means to help me with this issue but they denied having any other way to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. Equifax, XXXX, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Equifax, XXXX, XXXX and XXXX XXXX, are also in violation of XXXX XXXX XXXX ( a ) ( 5 ), which states no consumer reporting agency XXXX 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 XXXX years. 

The admissions of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX consumer file are violations of Federal Law, pursuant to 20 USC 1232g XXXX b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.
Product: Student loan

I've had account with Navient from XXXX XXXX since XXXX. I made payment agreement with them XX/XX/XXXX to pay XXXX XXXX XXXX XXXX XXXX. They require {$50.00} to do the agreement with them. XXXX and XXXX of this year they charged me {$8.00}, {$28.00} and {$110.00} for XXXX and {$110.00} so far for XXXX and this breaks the agreement. I never authorized the extra funds to be withdrawn from my bank account. I tried to reach out to Navient and they just give automated reply saying they have higher than normal requests to deal with and I can't get anybody. I got on the agreement plan because of my income and I can not afford to be getting over {$100.00} in fees from Navient especially when it is not authorized. I don't know what to do and I don't know if they will refuse to refund the money they illegally took from my bank account. I need my money back ASAP. 

The agreement with Navient is set up as auto payments for XXXX XXXXXXXX so they have my bank information and they just decided to withdraw more money without my consent. 

I am really scared that because Navient has my bank information they will withdraw funds that I can not afford and are unauthorized which is what they are doing. I need help!
Product: Credit reporting or other personal consumer reports

Explain has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing o adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed, causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/scrub>/2025 XXXX Dispute Resolution Department Subject : Dispute Letter and Notice of Civil Liability under 15 U.S.C. 1681o Dear XXXX, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by your agency, as permitted under the Fair Credit Reporting Act ( FCRA ). I have identified errors on my credit report that appear to be the result of negligence and non-compliance with your obligations under the FCRA. 

Pursuant to 15 U.S.C. 1681o, you are required to exercise reasonable care in handling and maintaining accurate consumer information. Your negligence in investigating and verifying the accuracy of the information on my credit report has resulted in harm and financial distress. Such actions constitute a violation of your duty to ensure the accuracy of consumer reports and comply with FCRA standards.
Product: Credit reporting or other personal consumer reports

I been a victim of identity theft here are the two accounts that need to be removed. 

XXXX {$1500.00} date opened XXXX XXXXXXXX XXXX {$3300.00} date opened XXXX
Product: Mortgage

On XX/XX/XXXX, we attempted to begin a refinance of our FHA mortgage held by Freedom Mortgage. They had been contacting us directly to refi, stating it would be an easy process because we are existing customers. We allowed them to run our credit and process our application. On many occasions, our sensitive information ( paystubs, SS card, transcripts ) had been lost and we had to supply it again to other employees with Freedom Mortgage. In our first XXXX complaint, we alleged this but the person who responded said we could rest assured that nothing is lost. But, we do not believe that and will not accept that without proof that they still maintain every document we have submitted. We had been shuffled around from employee to employee over the course of 3 months just trying to get any information we could to close this transaction in a timely manner but that was impossible. We were told in our first CFPB response from Freedom on XX/XX/XXXX, that they would attempt to close this deal in 3-5 business days. After our complaint was alleged, Freedom decided to retaliate against us and asked us to prove we had enough funds to pay the first mortgage payment in reserves. This was never brought up in the 3 months this transaction was being " worked '' on. We supplied an account summary of our checking account showing sufficient funds. For several days, no one would reply to our emails or calls about whether that would suffice to show enough reserves. Today, my husband got a hold of someone at Freedom and they now are saying they are denying our loan because we paid 1 payment " 30 days late '' in XX/XX/XXXX. It was due XXXX and we paid XXXX and another payment for XXXX within a week. 

They pulled credit in early XXXX, they were aware of our payment history with them and had access to all of our account information since before we even began the refinance process. They were after all contacting us to refi, not the other way around. If they knew that XXXX 30 day late payment would obstruct us from refinancing according to their criteria, why are they hounding us with marketing for refinancing as current customers? Why was our refi application not immediately shut down after reviewing our payment history in the first day of applying? Because Freedom Mortgage is inept to carry out business. It's not like our complaint is the first they've ever seen. The internet is riddled with the same complaints. 

This reason for denying our application is purely a retaliation response. 

Freedom Mortgage is inept, unprofessional, unequipped, understaffed and illegitimate. Their left had has no idea what their right hand is doing. They drag people through the mud for months on end because they are a complete mess. A company who should not be allowed to advertise financial products, let alone offer them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. 15 US-CODE 1692E XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Checking or savings account

I and my spouse are presently the victims of aggravated identity theft, aggravated cyber, physical stalking initially by XXXX XXXX XXXX/XXXX XXXX. Now we suffer from aggravated cyber/physical stalking by these people and also XXXX  XXXX XXXX of XXXX Tennessee whom took my job ( # XXXX ) after I became permanent. Never reported wrongful termination. Used spouse ( XXXX XXXX ) identification at XXXX XXXX XXXX  store suppressing the taking of my job on XX/XX/XXXX. We were literally ran out of XXXX  by these dangerous criminals!!! Our unemployment insurance accounts were fraudulently cut off as XXXX /XXXX XXXX used a duplicate XXXX checking card ( XXXX ) to forward over {$8000.00} of our unemployment payments to themselves. Regions Bank of XXXX Ga. on XX/XX/XXXX forced us to use an old account opened in XXXX in XXXX Tenn.? We entered that bank seeking to set back up our unemployment accounts ( direct deposit ). We asked the branch manager why we couldn't open up a new account instead of one we didn't have the vital information to. They ignored us. 
In short, Regions Bank account # XXXX belongs to XXXX XXXX and XXXX XXXX XXXX of XXXX Tennessee  whom are practicing bank fraud, aggravated identity theft and aggravated cyber, physical stalking. Regions Bank allowed these criminals access but blocked us. We want this account closed and any compensation due us by Regions Bank!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank had hit me with a hard inquiry on XX/XX/2018. This was fraud and not authorized by me. When this came up on my XXXX XXXX I called XXXX and there customer service had said they would remove this hard inquiry since I did not apply for anything with there company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint again to you today to inform you I was the victim of identity theft. This is my follow-up complaint prior to my previous attempt dated XX/XX/. 

The accounts I am challenging are erroneous and misleading. I need those accounts removed ASAP. 


Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX .... Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$240.00} CXXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Debt collection

Received a notice from my new monitoring service regarding an account from XXXX XXXX XXXX in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XX/XX/XXXX XXXX .... & XXXXXX/XX/XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediatelyXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX  XX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Credit card

I have submitted information to this company proving that I was XXXX  at the time that this credit card account was opened. I have also notified this company in accordance to 15 USC Subsection 1692 C that I refuse to pay for this account and to cease all communication regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$8800.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened on XX/XX/XXXX with XXXX XXXX XXXX under account number XXXX, a personal credit card account opened on XX/XX/XXXX under account XXXX, and a credit account with XXXX XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 6 hard inquiries from some auto financing companies they ran my credit on XX/XX/year> without my permission..my credit report have 6 different banks that ran my credit score I never gave nobody permission to run my credit report I called them in I dispute them over the phone its still on my report its really hurt my credit can someone please help me
Product: Debt collection

Security Finance balance {$610.00} due to identity theft from a security breach opened XX/XX/year>
Product: Mortgage

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

XXXX is saying they cant do anything with my account because of this Pressler Felt And Warshaw owns the account. Now i will be using all this in court. XXXX said they cant help me because they own the account now pressler is saying they dont own the account so your both stealing is what your saying. The debt was XXXX i paid XXXX its not my fault your two companies didnt communicate so why was XXXX taken from me.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX 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 FCUs customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

We recently started trying to purchase a home. Well when the lender requested the credit report Equifax would not pull up. We called the company to remove this fraud alert and the company stated that hey could not find me. That I also had to send in personal information via fax. Well we did a week goes by and still nothing. The house we wanted is now under contract with someone else because Equifax could not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00}