23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold or taken over by " Service Mac powered by XXXX XXXX '' in XXXXXXXX XXXX XXXX. Since last week I have been unable to pay my mortgage as their systems are down, apparently due to a cyberattack. They are unable to take my mortgage payment, only by phone, which would have to include a processing fee. This appears to be an effort for this company to gain extra money in fees by not having a functioning website. I attempted to call or reach them on XX/XX/, and received no help other than to wait for the website to come back online or to pay over the phone. It appears they just want to collect processing fees or hope that loans become delinquent so they can charge late fees or additional interest.
Product: Debt collection

This company is stating that I owe them a debt which I don't and reporting my personal information to the consumer reporting agencies without my consent. They are violating my consumer protection laws and I am very upset. Pursuant to 18 USC 8 after 1933, the government agreed to assume ALL liabilities that arise under transactions using the credit card which is my social security card. Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Product: Debt collection

I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since XXXX over the past 3 years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the wrong information that Regional Acceptance has given to the credit bureau such as late payment, current owe a balance, and last payment balance. 
XXXX sent me a dispute update on XX/XX/XXXX stating per their last update as of XX/XX/XXXX all the information is correct and that my current balance is {$12000.00}, which as of XX/XX/XXXX, that's incorrect. 
They also reported my last payment was XX/XX/XXXX, which is also incorrect ; the actual payment amount owed is also wrong. 
I can provide that dispute update and a copy of my regional acceptance that shows as of XX/XX/XXXX ; my balance is {$8200.00} ; I have paid {$460.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. 
This company continues to provide wrong information to the credit bureau, or the credit bureaus are reporting wrong information and I ask that all late payments be removed and that the account be updated. 
Please also be advised per Regional acceptance my next due date is not till XX/XX/XXXX The wrong report is impacting me on buying a house. 
I can provide statement documents proving what was reported is wrong.
Product: Checking or savings account

So heres the deal My boss sends me a XXXX for my weekly pay of {$720.00} on XX/XX/year>. SoFi denies it. Then it is requested per his bank, and SoFi accepts the money from his account, but refuses to add it to my account claiming it triggers fraud. My account was frozen, then unfrozen on XXXX XXXX and then refrozen on XX/XX/year>. I have spoken with several reps, promised calls back, promised a supervisor would contact me, promised an investigator would contact me, but yet nothing. SoFi outright REFUSES to make contact with my job to verify anything. Its coming from a legit bank, XXXX Bank. Its going to a legit account, my account with SoFi bank.
Product: Credit card

Police report filed, stolen personal information, computers, phones, employee files, entire XXXX XXXX possession theft everything all photos documents taxes social secuirty numbers cards entire house hold stolen including work and paychecks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Product: Checking or savings account

I went into key bank opened a new account put {$50.00} bucks in as required to open the account the very next day they block my account. so after multiple days of calling I was advised due to bad banking with key back over 5 years ago they were closing my account the issue is when I first tried to open an account with key years ago they did the exact same thing opened the account said my credit was to bad blocked it and charged me fees. Not being allowed to have the account is fine but they charged me {$24.00} for checks even though they immediately block the account and I want my money back I cant use these checks they should not have proceeded to open the account if they were n't going to approve me im sick of being XXXX by key bank this Is the second time I never even had a chance to use the fist account because they did the exact same thing so I cant see how that was considered bad banking. then they send me a letter telling me they might report this as negative on my credit no way worst bank ever
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim that DIVERSIFIED ADJUSTMENTS INC. is a entity that is entitled to enforce a claim against me by law, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, this account has already ben disputed before with a previous Third party collection agency, so during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are some accounts that I don't recognized, someone stole my identity and obtained the unwanted negative items reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit card

I ordered a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to depose household goods through the website, confirmed on the phone, and made payment with a credit card. The delivery driver arrived at XXXX pm instead of XXXX am with a XXXX XXXX on the back of a pickup truck, not a tractor-trailer. The driver had a XXXX long, XXXX feet wide, and XXXX feet high, I told him this was not what I ordered and called the company to inform them of the error, and they didn't want to accommodate me. I canceled and requested a refund. I did not receive the cart the driver brought. I sent him, and I refused the fraudulent proposal. The company XXXX XXXX and the credit card company Discover have not refunded me anything fraudulent, with a charge of {$490.00}. justice must prevail. Help Please!
Product: Payday loan, title loan, or personal loan

I requested a FORM 1099-C from Personify Financial. They ignored my request, pursuant to 15 USC 1681s-2 See letter labeled Exhibit A The Internal Revenue Service defines a CHARGED OFF debt as Gross Income or Ordinary Income. Income does not get reported on a consumer report.

Personify Financial are furnishers of information to a consumer reporting agency. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall NOT furnish any information relating to a consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

I requested a FORM 1099-C NOT a request to validate an alleged debt. See letter labeled Exhibit B which confirms the account was charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unauthorized inquires on my credit file. I have attached a copy of my etc report as well. 

XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank ) XXXX Bank XXXX bank ) XXXX Bank  XXXX XXXX XXXX bank ) XXXX XXXX  ( finance ) XXXX XXXX Bank ( bank ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( bank ) XXXX XXXX ( finance ) XXXX XXXX ( finance ) XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ( auto XXXX XXXX XXXX Of XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( finance ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank )
Product: Debt collection

They call twice a day, everyday. I have told them I am a full-time student and unemployed. They claim to notate it on my account and say to call them if anything changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, XXXX and Transunion credit bureus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the list of account and Inquiries that are still reporting on my Credit Reports : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was a domestic violence victim and my card had been stolen and used numerous times. I reported this to the bank and they punished me by not allowing me to use my debit card. I can receive deposits but it's almost impossible to make withdrawals without an atm card. I believe that I have been racially profiled. I did not receive a restriction on my account until I told the fraud department my ethnicity. The bank is making it almost impossible to keep my balance from going negative. I provided all that Navy Federal asked for and my account was still restricted. This bank has been investigated and has had to pay out a class action suit regarding overcharging customers. I believe I have been targeted and I feel like I'm being abused and victimized all over again. Please help.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/year> of an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late in the last 2 years on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Also known as XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of.

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 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 whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence and dispute regarding the fraudulent XXXX account ( Account XXXX : XXXX ) that was removed from my credit report on XX/XX/year>. To my dismay, this account has been reinserted as of XX/XX/year>, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), codified as 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Emphasis on Verification of Information and Rights Under FCRA To further emphasize my rights and Experians obligations, I would like to highlight the following FCRA provisions regarding the verification process and consumer rights : 1. Section 611 ( a ) ( 6 ) - Notice of Results of Reinvestigation Under this section, after completing an investigation, Experian is required to provide the results to the consumer within 30 days. Additionally, you must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business contact information of the furnisher of the disputed data. 
2. Section 611 ( a ) ( 7 ) - Provision of Information upon Request Upon my request, Experian must furnish a description of the procedure used to reinvestigate the disputed item, including any contact information of the furnisher of the disputed information and the method used during the investigation. 
XXXX. Section 611 ( b ) - Reinvestigations CRAs are mandated to conduct a reasonable reinvestigation of disputed information. I am formally requesting the details of this reinvestigation process, including the methodology used to verify the reinserted information.

4. Section 609 ( a ) ( 2 ) - Disclosures to Consumers This section obligates CRAs to disclose to consumers all information in their file, including data used to verify or reinvestigate any disputed items. 

My Rights as a Consumer Right to Receive Investigation Methods : I am requesting a detailed description of the methods and procedures used during the investigation of this dispute. 
Right to Contact Information : Please provide the contact details of the furnisher of the reinserted information. 
Right to Timely Responses : The investigation must be completed within a XXXX period, and I must be promptly notified of the results, as per FCRA requirements.
Product: Credit reporting or other personal consumer reports

Jefferson Capital billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
For XXXX XXXX XXXX  and XXXX XXXX  as inaccurate
Product: Bank account or service

This is a continuance of complaint number XXXX. Huntington Bank has never responded to my account complaint of monies being removed from my account first via unwarranted late fees now by duplicating previous charges made on my account and removing money that way. On XXXX/XXXX/2016 I check my account it had at that point $ XXXX.+ in it. The next day todayXX/XX/2016 it now has {$1400.00}. I have n't made any purchased and items from another day the entire charges made on XXXX/XXXX/2016 are false. This is a continued effort from what can only be a criminal group which keeps removing monies from my account and for some reason i ca n't get the bank or CFPB to get Huntington to do a complete audit just like I could n't get XXXX XXXX XXXX to do likewise when clearly monies was being removed from my account. This clearly is some type of criminal organization as I have a tax refund of {$990.00} from the IRS but without any explanation they keep stating I used the Hope credit which I clearly have n't and audited me. I used the company XXXX which when audited they represent you but for some reason they did n't even though they pretended to do so and had everything they need to show audit is incorrect. Money is being stolen from me and even though I write, complain and refer the acts to organizations like CFPB, FTC, etc. nothing gets done until years later the news reports what I reported years earlier.