23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XX/XX/XXXX at XXXX CST I was contacted by National Credit Adjusters of XXXX KS XXXX. I had received approximately 4-6 calls from a phone I did not recognize for the past 24 hours. Their persistence caused me to answer to the last call. Upon answering and the original representative repeatedly stating it was for. Personal business matter and not an attempt to collect a debt I was skeptical. The representative had my name and birthdate and didnt identify a company until I demanded the name of his employer. This was disconcerting as again he kept saying regarding a personal business matter and never an attempt to collect a debt. I disconnected that call then looked up the company obtained the XXXX number and called them. Another representative then advised this is an attempt to collect a debt. I was shocked as I use XXXX XXXX to monitor my credit and about cleaning my credit up in XXXX. I hadnt opened any new accounts or went delinquent on any account. This representative then advised that I owed approximately {$230.00} or so for a payday loan owed to XXXX XXXX. I was shocked at the last communications I had this company was in XXXX. Since Ive receive a copy of my credit report at least once per year from all three bureaus and have never seen an entry from this company. I informed the representative that if this debt was indeed valid at one point in time it isnt actionable at this point as it is beyond the 6 year statute of limitations for collection debt in Tennessee pursuant to Tennessee XXXX XXXX. XXXX. I reside in Tennessee and only dealt with XXXX XXXX inside of Tennessee. The representative then advised me that she could still collect this zombie debt and could use the the credit bureaus as a recourse.
Product: Debt collection

I have unauthorized inquiries/ collections on my credit report that I want to get removed now I have unauthorized addresses that I do not recognize thats on my credit report that I need change now on my file. I dont want to file police report because I know if I file a police report when I do decide to use my credit, again its going to put me on fraud alert, so I do not want to be on fraud alert. I just want this removed from my credit please Hunter war field XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of education XXXX XXXX XXXX XXXX XXXX Dept of education XXXX Dept of education XXXX Dept of education XXXX Dept of education XXXX
Product: Mortgage

I complaining to the services of you good office to kindly help me resolve the predatory, nature surrounding getting the help I need for a loan modification with ditech, LLC. And returning to me my mortgage payments made to them. Ddetech, LLC informed me that they were legally in charged and have taken over my mortgage. Among the statements mailed to me, the statements dated XXXX/XXXX/2016 ( {$29000.00} and {$30000.00} respectively - including a letter to pay my own owner Insurance that is mortgage inclusive but not limited to XXXX conformation letter completed the Hope Modification I have asked for. to date I need answers to support my case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dispute Department EQUIFAX XXXX XXXX ) XXXX Attn : Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Request for Verification and Removal of Unverified Negative Entries Dear Dispute Department, I am writing under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), to formally dispute the accuracy of certain information listed on my credit report. As mandated by federal law, I request that you provide physical verification of the original signed documents for the accounts listed below. If such verification can not be provided, the FCRA requires that these entries be removed from my credit report. 



Account Number ( XXXX ) and Details : Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Business Type : XXXX  XXXX XXXX // - Dont recognize this account Please be advised that the inability to verify these accounts may negatively impact my creditworthiness and financial opportunities. Therefore, in compliance with the FCRA, I expect any unverified accounts to be promptly removed. 

Furthermore, I wish to inform you that I have formally opted out of any arbitration clauses, reserving my right to seek legal action if necessary. 

I anticipate that you will undertake a thorough investigation of these matters and provide me with an updated credit report within XXXX  days, confirming the removal of any unverified information. 



Thank you for your attention to this matter. I look forward to your prompt compliance with these requests. 

Sincerely, XXXX XXXX XXXX XXXX
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 withing 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, Equifax '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 Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

1. XXXX- acct # # # # # # # # XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I bought a used car from XXXX XXXX in XXXX, Virginia through Consumer Portfolio Service, Inc ( CPS ) .. The loan was approved through the dealer on this date and I took delivery of this vehicle, XXXX XXXX XXXX. 

On XX/XX/XXXX I received a voice mail from CPS stating they needed information about XXXX direct deposit on banking statement. I called CPS on XX/XX/XXXX at XXXX the guy who answered stated his name was XXXX, I called later and his voice mail said, XXXX XXXX ( not sure of spelling ). XXXX XXXX asked how much did make from XXXX and how often did I work for them. I told him my loan was based on my retirement not on XXXX. I asked him why he needed this information and I did not understand. XXXX XXXX asked if he put me on hold to ask a question. He came back a minute later and stated, " I do not need this information, everything is fine ''. 

Later this day I received a call from XXXX XXXX from XXXX XXXX, Financial Manager, whom stated CPS called and said the financing for the vehicle fell through because I refused to give CPS  information concerning XXXX. This was not true since XXXX XXXX stated he did not need this information. 

The last time I XXXX for XXXX was XX/XX/XXXX. In the two ( 2 ) weeks since I bought this car on XX/XX/XXXX, I have not XXXX for XXXX. 

CPS lied and slandered my name when they reported to XXXX XXXX that I refused to give them information about XXXX.
Product: Mortgage

Carrington mortgage has mis applied payments to the acct # XXXX. Payments were sent to mortgage lender as agreed and they did not apply the XXXX XXXX payments timely. They applied XX/XX/2016 payment in XX/XX/2016 its notated on mtg statement. XXXX XXXX payment for XX/XX/XXXX was never applied to the acct and the lender stated they have no record of any payments. We sent proof of payments to the research dept several times with no response from research dept. Perm modification was issued in XX/XX/2016 with a new due date begininig XX/XX/2016 and that payment was not recorded for XX/XX/XXXX but XX/XX/2016 which has caused my client to default on perm modification which is not their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXXO # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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.
Product: Mortgage

We have filed several complaints concerning roundpoint mortgage. Roundpoint continue to contact and harass us. Roundpoint refuse to respond concerning a false account. XXXX was supposed to send a response and we have not received, but roundpoint continue to call and harass we just received a call from roundpoint today saying it 's a courtesy call. Please check do not call registry.
Product: Credit card or prepaid card

Target store sent me an email XX/XX/23. 
They thanked me for applying for a credit card. 

I never applied for it. 
XXXX. 
XXXX I emailed them. 
I wrote 1. I never applied for the card.

2. I am not responsible for any charges.

3.Cancel this card 4. This is Identity Fraud.
Product: Credit card or prepaid card

Barclays Credit Card Fax : XXXX RE : XX/XX/2022 XXXX. XXXX Dispute charge on XX/XX/2022 for XXXX XXXX Let me start this conversation by letting you know that this is the worst credit card I have ever owned ; your customer service is terrible, and your dispute department is no better. Once my attorney fixes this mess up with this timeshare, I will close my account and let Wyndham know how I am treated by a credit card they endorse. 
This charge was not an authorized charge. This card was only supposed to be used if we defaulted on a payment. 
So, I am saying this was a fraud charge since we signed up on XX/XX/XXXX, and they charged my card as if I defaulted on the loan. 
XXXX XXXX did not notify me that this charge would be billed. We are in the process of sewing this company for fraudulent statements and misleading statements. 
So, as you can see, if we purchased a timeshare, even if it is fraudulent, on XX/XX/2022, this card should have only been billed if there was a default on loan, and we didnt even get home on XX/XX/2022. So, to refinance with a local bank, how can we be in default? 
These are not the only thing they have lied about and done that was unethical ; therefore, we got an attorney in XXXX to fight this company. 
I am not sure how clearly ; I can be with you when they do not give you copies of what you signed at the time of purchase until you get back to the states ; we ask for a copy of what we signed at the time we were in XXXX. 
As you can see, this is a hot mess being taken advantage of when you are out of the country, and now, we must fight them from the United States. 
I am unsure how to say it to make you understand that this card was not authorized. XXXX XXXX fraudulently did it. 
Therefore, we have an attorney fighting this company. I have already reported this company to several different international companies. 
Plus, I have warned everyone on XXXX, I will not stop until I get them for everything ; they have put my husband and me through. My stress level is very high, so I would appreciate it if you would work for your customers, not the merchants isnt the first problem I had with your credit card when it comes to disputes. There is a big difference between XXXX and XXXX I have asked to speak to a manager and havent talked to one yet. 
Let me know if you have any questions. 
In this case, it needs to reopen. I will not play with your credit card much longer ; you are a big part of the stress. 
Thank you XXXX We have hired two attorneys, one in the U.S.A. and one in XXXX, to fight this fraudulent purchase court case is scheduled for XXXX in XXXX, Case Number XXXX They will not dispute my account since they do the billing for XXXX XXXX XXXX which it s unethical.
Product: Debt collection

I declared XXXX XXXX XXXXXXXX in XX/XX/XXXX and it was discharged XX/XX/XXXX. XXXX claims to be unaware of the discharge and that I owe them the remainder of the student loans. As the amount owing far exceeds the amount of tuition it would have been wiped out in bankruptcy. Amount currently owing is {$XXXX}, the cost of attending the XXXX XXXX XXXX XXXX was {$XXXX}, I graduated in XXXX and made payments until XXXX XXXX. The amount owed does not include federal loans also used To pay for attending which total {$XXXX}. XXXX has ruined my credit score in reporting that I have not paid them. As the XXXX XXXX XXXX XXXX was one of many for profit schools listed in the Attorneys general lawsuit against XXXX for defrauding students through predatory loans and they should have been discharged undeXXXX XXXX and or the Holder rule. Allied interstate has continued to try and collect this debt.
Product: Credit card or prepaid card

I tried to apply for the XXXX XXXX XXXX issued by Goldman Sachs. At the end of the application, it asks for a scan of an official government ID. I tried and tried to scan my passport but it kept rejecting it. There is no way to ask for help, no phone number, no chat bot nor email address to complain and ask for assistance. When I call XXXX  or Goldman Sachs they have no idea where to direct my call and just tell me to resubmit.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agency, Chex Systems do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Chex Systems, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Chex Systems, has never informed me of my right to exercise my nondisclosure option. Chex System has not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate personal information reporting on my credit file : Incorrect Names : XXXX XXXX XXXX ( XXXX, XXXX, and Experian ) Incorrect Address : XXXX XXXX  XXXX  ( XXXX and Experian ) Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( Experian XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX There are several accounts reporting that does not belong to me : XXXX XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX Balance : {$7600.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$14000.00} The following accounts is inaccurately reporting late payments : XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX
Product: Checking or savings account

I am filling against capital one since the deceptive practices related to their XXXX high yield interest saving accounts. Capital one misrepresented the XXXX saving account as having one of the nations highest interest rates yet failed to notify accountholder about the superiors rates offered by the XXXX performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and result in significant financial losses for many breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertise as promised
Product: Debt collection

XX/XX/XXXX called me at work-told them my employer does not allow personal calls XX/XX/XXXX called me at work-told them my employer does not allow personal calls XX/XX/XXXX received missed call at work from them XX/XX/XXXX called me at work told them my employer does not allow personal calls halsted financial
Product: Checking or savings account

Signed up XX/XX/2019 for MoneyLion after seeing Pave the Wave bonus ( XXXX XXXX XXXX  ). 

Opted into promotion and set up direct deposit during XXXX. Received direct deposits XX/XX/2019 for {$3500.00}, XX/XX/2019 for {$3100.00}, XX/XX/2019 for {$3100.00}, XX/XX/2019 for {$3100.00}. This meets the offer 's qualifying Terms and Conditions " To be eligible to receive matching contributions, participants must be in good standing with MoneyLion and must maintain direct deposits of at least {$500.00} per deposit ( after tax withholding ) ( Minimum Deposit ) into their MoneyLion Checking Accounts at all times after opt-in and through the date of the matching contributions, as described below. '' Timing of Matching Contributions states they are to be awarded 90 days after initial deposit ( XX/XX/2019 ). Called customer service on XX/XX/2019 and again on XX/XX/2019. Latest call informed me that because there were intermediate deposits of small amounts ( {$0.00} and {$0.00} on XX/XX/2019, {$0.00} and {$0.00} on XX/XX/2019 ) I was disqualified.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX Pl XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX Pl XXXX XXXX, XXXX, CA, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit card or prepaid card

For credit card number ending in XXXX I have submitted plethora of documents showing that the items were never delivered. I have also included vendor confirmation that the items have not been delivered. I did not receive a full refund from the merchant. I opened a claim with Chase customer service multiple times, but they are refusing to review the case, even with the evidence provided by all parties. I am very dissatisfied, and I am currently in a large debt due to this billing issue. Chase benefited from denying my claims and they have been collecting handsome amount of interest payments from me. I have promptly reported the issue which Chase declined, and now they are saying that the time frame is beyond their investigation deadline, which I disagree, since I opened the initial claim within the first 30 days of purchase. 

The transaction took place online at " XXXX XXXX '' on XX/XX/25, for {$6900.00}.
Product: Debt collection

Dear Credit Corp Solutions, I formally dispute the alleged debt reported by your company related to original creditor, Synchrony Bank. I have no contractual relationship with either entity, making this claim fraudulent and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

There are too many dates to document so I will summarize : 1 ) I have been the victim of identity theft - has gone on for about three years perpetrated, I believe, by the same individual. Wells Fargo is not only unable to protect my account- they guy has a unique name- they have refused/ are unable to provide me with detailed transaction records relating to my claims because my accounts were closed and new ones opened. So I have no ability to audit my accounts RE what looked fraudulent ; what was verbally claimed ( this should be a form not a conversation ) ; what was approved ; what was declined and why. Wells makes sure everything is conversational and never actually documented. Just give me a spreadsheet or XXXX file so that I can see everything transaction by transaction. And, no, separate XXXX  do not work because fraudulent transactions are mixed in with legitimate ones month after month, year after year. 

XXXX ) What should be a simple request for copies of fronts and backs of all checks for my previous business account - required for my divorce proceedings- has gone unfulfilled after numerous requests in-person and by phone. The latest is that I escalated and copies were to be sent to my local branch ... weeks ago. Just got off the phone with the branch and they don't see them. 

Wells Fargo is vertically structured, so no one has a broader view of you as a customer with different accounts, and it is therefore nearly impossible to get help. One fraud department serves credit card fraud, the other checking, the another debit cards, etc. But when someone is able to log in as you - fraudulently- they see it all and are able to commit fraud across all of the products you use with Wells.

Regarding documentation : Wells will only provide month-by-month XXXX. Yes, you can download a text file to load into XXXX or XXXX. But if you close an account - say, due to divorce or fraud - then you are out of luck. Show me someone who can look at a pile of printed XXXX  and make sense of them methodically, manually entering the transactions into XXXX - transactions spanning years- then I will show you a person who has been victimized by the financial institution that has the records... they just refuse to provide them to customers in a usable format. 

P.S., It is patently FALSE that Wells Fargo has their clients ' backs in cases of fraud. False advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the name of " the company '' that Experian certified the alleged bankruptcy with. I requested the method of verification and did not receive one. Experian treated my request as disputing the accuracy. 
The consumer reporting agency ignored my request and violated the consumer law below. 

As a federally protected consume Experian violated in pursuant 15 USC 1681i ( 6 ) ( b ) ( iii ) Notice of results of reinvestigation ( b ) Contents a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Experian just keep providing a statement " The Company '' The letter was notarized to confirm the identity Documents attached Letter requesting the name of the company Snapshot when the dispute was opened XX/XX/XXXX Results of the dispute XX/XX/XXXX without providing the description.