23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a full packet of documents via XXXX, with a notarized Fraud Affidavit, and other documents that I also emailed to XXXX XXXX XXXX Department on XXXX to Resurgence via certified mail. I did not get a letter from them stating that that received my documents. Instead, I received a letter yesterday XXXX summoning me to court. There are no dates or anything. No court date. It was filed on XXXX with the XXXX XXXX for a substitute appearance. I did not get so much as a call or response, just court paperwork. I do not know if this is legal but its quite unorthodox and does not seem like a professional practice. I do not owe this debt because it was never mine & I never received any correspondence from XXXX as well.
Product: Credit reporting or other personal consumer reports

My ex boyfriend is using my SSN to try to take out money loans.
Product: Checking or savings account

I have two checking accounts with Bank of America. On XX/XX/18 I checked my available balance on one of my accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account was over by {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had an available balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak with a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee in advance for transactions not completed and since I never signed for overdraft protection, any transaction that come to my account when there is no sufficient funds should be declined, but instead I am already being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he is a manager in West Virginia. Mr. XXXX  refused to reverse the {$35.00} fee. All my transactions were made as credit and are still in pending status as of XX/XX/2018 and Bank of America already charged me a overdraft fee on XX/XX/2018.
Product: Mortgage

I was approved for HAF program back in XXXX for payments to begin in XXXX. Payments never issued and applied although approved. PHH mortgage servicing provider NEVER advised payments were never received. HAF insisted they are sending payments. PHH is saying no payments issued. I have called HAF several times they insist payments have been made. I currently own the home with my EX wife who lives in the home. She applied for this program and was approved as she is part owner.
Product: Credit reporting or other personal consumer reports

I've been trying to get hard inquires off my credit report throughout this whole year and the credit bureaus haven't been any help on the phone, mail, and online. From my knowledge my credit report have been frozen/locked since the beginning of the year, and company 's are still accessing my credit. The hard inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK XXXX
Product: Money transfer, virtual currency, or money service

I received a text message claiming fraud alert from my bank account saying someone tried to XXXX  {$2000.00} and it said reply yes if this was you or no if this was not you so I replied no and a couple minutes later I received a call with the chase customer service number and he said to avoid the money being drafted I basically had to XXXX my money to myself so he had me create a XXXX account with my email address to send the money to myself and I told him I didnt even have that amount so he said just transfer what you have which was {$410.00}, so the money was taken out of my account and I never got it back and then he just ended the call. My bank said they would not refund my money because I was scammed.
Product: Debt collection

On XX/XX/2024 I received an alert from XXXX that Jefferson Capital is attempting to collect a debt. I did not receive any notice about this debt nor do I owe any debt to Jefferson Capital nor XXXX XXXX. I have disputed several times in the past informing XXXX  that there has been a fraud alert on my credit. I did not have any accounts with XXXX, my identity was stolen. I have submitted several complaints in the past. The false information on my credit report has prevented me from obtaining housing for my children and I. I am now currently homeless and do not have a fix address. I have not given anyone permission to contact me as well but I have also not received any communication from this company about any debts. I have disputed several times with XXXX  that the account was fraudulent and I did not have service with them at all. They have violated my rights and caused so much harm to my credit report. The company failed to disclose any information from the original creditor on why this debt as been owed. I would like this company to be fined for violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax last month on XX/XX/2022 regarding account XXXX XXXX account XXXX. and asked them to verify this information because it is inaccurate and should not be on my credit report. As a consumer I have the right to a credit report that is 100 % accurate. After my dispute Equifax deleted this account from my profile but as of today XX/XX/2022 Equifax has allowed an untitled charge off account with the same account number to be added to my report. This is a duplicate inaccurate account and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. All accounts listed above. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4100.00} Company : XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$3700.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX  Account # XXXX Date Open:XX/XX/XXXX Balance : {$960.00} Company : XXXX XXXX Account XXXX XXXX Date Open:XX/XX/XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX XXXXt # : XXXX Date Open:XX/XX/XXXX Balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025, I received a letter dated XX/XX/scrub>, 2025, from XXXX XXXX, informing me that a personal loan application had been submitted in my name. Concerned about potential fraud, I immediately contacted XXXX fraud department the same day. After verifying my identity, the fraud representative confirmed that someone had used a Credit Karma account to apply for the loan. However, they also noted that the application contained missing or incorrect information about me. As a precaution, XXXX fraud department advised me to change my Credit Karma password. 

On XX/XX/year>2025, I attempted to access my Credit Karma account but was unable to log in using the password I had used for years. I then contacted Credit Karmas support team multiple times, but each interaction resulted in contradictory and misleading responses : The first agent falsely claimed my phone number was not on file, despite the fact that I was receiving authentication codes via text. 
The second agent instructed me to upload a copy of my drivers license, but after doing so, I was told it was invalid. 
The third agent abruptly deactivated my account, falsely stating that I could simply " create a new one '' which was not true. 
Rather than assisting me in securing my account and protecting my personal information, Credit Karma wrongfully deactivated my account, further exposing my data and preventing me from accessing critical financial records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Inquiry on Credit Report. Violates 15 U.S. Code 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX has reported transactions between I XXXX XXXX the consumer and XXXX the creditor to my consumer report In the months of XXXX, XXXX, and XXXX of the year XXXX.I have opt out XXXX  should not be reporting transactions to my consumer report it is violating my consumer rights. According to the FCRA 15 usc 1681a 2a1 stated in paragraph the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Debt collection

I pulled my credit reports and see an account being reported with NCB Managment Services. I am unaware of this debt, if in fact you believe you gave me proper notification then please send me a copy of the certified mail receipt with my name and my signature on it
Product: Credit card

was offered welcome of XXXX bonus miles from American Express for XXXX, I told them I had a gold card already, they said I could get the platinum for XXXX $ and get the welcome miles. the fine print said " if you are not eligible for a welcome offer, they will notify me prior to processing my application so I would have the option to withdraw my application. ( didn't happen ) I fulfilled what I needed to as far as spending XXXX $ in XXXX months, just passed thru XXXX XXXX last week and got approached again so I played along and asked the same questions and told them what I had and they told me I would get the offer, when I call the company they just say they can't do anything but won't tell me why I don't get the offer, just that it was denied. I feel I was misled. 
Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX [ RE : XXXX XXXX  XXXX # XXXX ] Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the bankruptcy information with experian credit reporting agency. They did not do a investigation on the information that they were reporting. They sent me email saying the information was verified with XXXX XXXX XXXX XXXX sent me a letter stating that they will not be reporting this information anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - Contacted XXXX XXXX  due to incorrect status of 2nd loan, home equity loan, closed with outstanding balance.My credit score now dropped by a lot. I further advised this is a active account with not late payments payments XX/XX/2020 - Called back XXXX, per their request provided Trans Union credit report noting Closed Account. sent by fax # XXXX XX/XX/2020 - Called XXXX to check status advised I would received a email in response to my concern.Was to re-fax information to XXXX XX/XX/2020 - Requested to send information again via fax # XXXX XX/XX/2020 - Called XXXX to follow up again asked to re-fax same information to them along with my full credit report. I declined. I stated the 2nd loan home equity should remain as a open account, same as the 1st loan. I also asked why they call my home but do not leave a message. Too many fax of info and calls with no results. 

XX/XX/2020 - Still waiting for feedback ( email as promised ) from XXXX
Product: Checking or savings account

On XX/XX/XXXX a wire transfer for XXXX dollars was placed to my current account. As wires are not a feature of current they notified me that the wire was rejected and with the receiving bank. I contacted their customer support via chat around XX/XX/XXXX. I was notified by several different reps that the issue was being escalated to their custodial bank who is in charge of their wires. It is now XX/XX/XXXX and they continue to give me the run around with the funds still not in my account. 
I called the bank they use to see if they could resolve it and they said that revolut just needs to call them and speak to their wire department.
Product: Prepaid card

I received an electronic American Express gift card from a client on XX/XX/23 via email with a balance of {$400.00}. I attempted to use the gift card at a multitude of merchants ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and the card was declined. I contacted AmEx customer service on XX/XX/23, XX/XX/23 and XX/XX/23 and was told each time that there was a security block due to the amount of times I attempted to use the card. I was asked to attempt to use the card at a different merchant, as the card was shown in their system as ready to use. The card was subsequently declined at several other merchants and AmEx refused to replace the gift card. They also refused to admit there were any issues on their side preventing the card from being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union about the XXXX XXXX XXXX not being my account. I was asked to send proof of residency, utility bill, and identification to XXXX XXXX to validate the information is incorrect. I have not lived at the address that they are claiming that belongs to me. I would like for this information to be corrected. I will be seeking legal help as well. I have lived at the current resident for a couple of years.
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 with XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate. ( XXXX XXXX and XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an pan end consumer credit plan as late
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to Equifax to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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: Mortgage

I called nationstar and advised them that I was XXXX XXXX XXXX due to XXXX and could n't afford the payment and asked could they refinance my loan and they said no. I then applied for a loan medication and nationstar advised they would review my application and get back to me. I would call for a status update and was told that they are still reviewing my loan modification application but would get back to me within a few months. Each time I called they would tell me the same thing. or they would n't return my calls. They finally advised me that they could not approve a loan modification for me because they previously gave me a loan modification. Well now I 'm behind and now about to be foreclosed on. Nationstar new from my very first call that they had previously given me a loan modification, if they would have told me in the beginning that do n't do more modifications instead of having me wait month after month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Oportun is in clear violation of this law. Oportun is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. Oportun has my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Product: Debt collection

To Whom It May Concern, I am writing in response to the explanation provided by Midland Credit Management regarding my complaint. Their response does not adequately address my concerns and fails to comply with federal law. I am formally demanding a full validation of this debt, including all legally required documentation. Additionally, I am raising concerns regarding potential tax implications due to the manner in which this debt is being reported. While I appreciate their acknowledgment of my concerns, their response fails to address several key issues : 1. Lack of Proper Notification : The company states that they mailed a validation letter on XX/XX/year>. However, I never received this letter, and they have not provided any proof of delivery. Simply stating that it was not returned as undeliverable does not satisfy my right to proper notification under the Fair Debt Collection Practices Act ( FDCPA ).

I request verifiable proof that I was properly notified, including tracking information or a signed acknowledgment of receipt.

2. Consent for Debt Transfer : I did not consent to the transfer of my account, and the company has not provided any documentation proving that I was informed or that my rights were upheld in this process. 
While I understand how charge-off works, the company must still adhere to legal requirements when transferring a debt to a third party. 
3. Insufficient Verification of Debt : The company claims to have enclosed verification information, but they fail to provide a full payment history, original contract, and a clear breakdown of how the balance remains the same as the purchase amount despite any prior payments made. 
I formally request a complete validation of this debt, including the original signed contract, a full payment history, and all relevant account records.

4. Failure to Address Consumer Rights Violations : The response does not address whether proper disclosures, notices, and legal obligations were met when handling my account. I believe my rights under the FDCPA and other consumer protection laws may have been violated.

If the company can not provide the requested validation documents and proof of proper notification, I request that this debt be removed from my records and that all collection efforts cease immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX. This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Pulled my report on XX/XX/year> They are with XXXX XXXX XXXX I did not authorize this
Product: Student loan

So I have read you story on CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment. On XX/XX/XXXX I had a Disbursement of {$6700.00} I have taken forbearance a few times as I could not make the payments. Never was I told about income reduced payments. They set me on a payment system where I started out with smaller payments for months then ramp it up for some months then ramp it again. Only problem from XX/XX/XXXX thru XX/XX/XXXX I was only pay interest. From then toXX/XX/XXXX I started paying a little more but most months only {$10.00} was going to balance. As of today I still owe them {$2100.00} at 7.750 %. Sad as I was not told I would only start out paying just interest for years. As of date I have paid them {$10000.00}. and will pay the loan off inXX/XX/XXXX SO when done I will have paid back twice the amount of the loan.