23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have made an application at Regions Bank over XXXX months ago. I was given a committment and the loan was schedule to close from XXXX XXXX. I was given an extension afer being told by the Bank that I needed extra time for a bond to be processed. The extension was granted to XXXX XXXX and up to date I can not get a cleared to close. I have been trying without avail for anyone to communicate with me as to what is happening on this loan. I have given up my appartment and I am a single mom with XXXX small girls and I dont know what to do or where to go. I have given the bank all the documents they required in a timely manner and I just need to know why. My previous loan officer who started the file resign and after that no one wants to do the file and has asked her why is she always tring to help these " little people ''. I guess my loan amount is too small and I am a minority.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account XXXX : XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit card or prepaid card

I filed a complaint against this company with the CFPB regarding a charge on one thier Home Depot credit card products. After filing the complaint i noticed that they had reduced my credit limit from {$5000.00} to {$4000.00}. Since my credit is in good standing and I have never even had a late payment, i would have to reason that the credit reduction is a result of my filing a complaint with the CFPB
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

I have received 3 Amex rewards cards in the amount of {$25.00} a piece in the past year. I've tried many time to use them. Ive tried using them everywhere that accepts Amex cards. They are always declined and my purchase is always with in the balance amount. They just don't work. And when you call them to check your balance the give the balance and tell you it is active and it should work, but give no explanation as to why they aren't working. They give me a number that is for XXXX and XXXX gift cards that does absolutly nothing to help. I am frustrated beyond words. I just received a new one from my company again a few days ago and tried today, XX/XX/2023, to use and the card was declined. I called again and was given that number to call XXXX XXXX XXXX which is for a XXXX or XXXX gift card. No help at all. I have all the account numbers, expiration dates and balance of all the cards
Product: Debt collection

On XX/XX/21 I received a phone call with no voicemail message left. I returned the call at XXXX and it was a collection agency. I requested that they send me an original statement so that I could confirm the charges because I never received the bill. The agent indicated that it would be a letter/statement from the collection agency and that they could not send me the original statement. I asked for the original creditors contact information just so I could request this from them and they told me that they would NOT give me that information unless I paid. I've never received a validation notice or a notice giving me time to dispute the debt so I think I'm at least entitled to a copy of the original invoice before I pay it. The agent was very argumentative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 


According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution should share my information with a third party.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me from when they receive dispute information.

These are clear violations of my federally protected consumer rights.

They violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX an amount or {$160.00} which was a duplicate of the last tranaction that was successfully transferred to my daughter the previous day was withdrawn from my bank account XX/XX/XXXX again another {$160.00} then again on the XX/XX/XXXX an additional {$160.00} was deducted through XXXX XXXX XXXX XXXX  XX/XX/XXXX {$350.00} was taken unauthorized like the above mentioned amounts. When notified Santander they went through the process of telling me it was a 3rd party transaction and therefore they are not responsible for these unauthorized transactions. 
I have sinced closed this account. 
On about XX/XX/XXXX my husband became a victim of fraud with these transactions to both debit and credit cards, he at this moment has no financial identity because again yesterday XX/XX/XXXX in an account he had established for his godchild that was transferred from Santander now with XXXX has been being tamped with throughout the month with a withdraw as late as XX/XX/XXXX. 
We are beside ourselves and although all of the institutes that were effected the only one that hasn't reimbursed the funds in the amount of {$830.00} is Santander. Please help get my funds back and also pervent this fraud as my husband has no clue on what to do besides eliminate credit/debit card usage and prevent access to credit reports. 
please contact me at the information provided in my subscription to CFPB.
Product: Credit reporting or other personal consumer reports

I am a victim of Equifax data breach and inaccurate information needs to be removed.
Product: Debt collection

I have tried to dispute this matter with the credit bureaus. 
They are still sending back that its verified, but would not tell me their method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a chapter XXXX bankruptcy listed on my credit report. I have submitted a request for a letter for a method of verification for reporting such bankruptcy on my credit to two of the reporting agencies, Experian and XXXX. I have sent three letters, on three separate occasions to both credit reporting agencies asking for the following information : a ) The name of the Courthouse, b ) The person 's name who verified the dispute, c ) The address, d ) The telephone number, e ) The documentation used to verify the original dispute. My initial request for information was sent on XX/XX/2020, 2nd request was sent on XX/XX/2020 and my final letter was sent on XX/XX/2020. To date I have not received any correspondence from these agencies relating to my initial request for method of verification. It would be greatly appreciated if I were able to get this matter resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove the truncated false accounts from my credit report. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they  MUST be r emoved immediately to avoid litigation  : 1.    XXXX   XXXX    XXXX   XXXX  2.  XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX     XXXX    4 .  XXXX    XXXX    XXXX  5.   XXXX   XXXX   XXXX     XXXX  6.  XXXX   XXXX  7.  XXXX   XXXX    XXXX     XXXX   XXXX  8.  XXXX   XXXX  I have attached the lawsuit to be filed as wells as  XXXX  vs. Equifax  XXXX   XXXX   Case. No.   XXXX  to show precedence to the court on the same violations I am seeking. I am not seeking monetary relief. I am only seeking the removal of the above accounts from my credit report as well as the unauthorized release of my credit report to the following companies : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  2.   XXXX   : :  XXXX   XXXX      XX/XX/XXXX   3.   XXXX   XXXX    XXXX     XXXX   XX/XX/XXXX  4.  XXXX    XXXX   XXXX  :   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX  5.   XXXX   XXXX   XXXX    XX/XX/XXXX  6.  XXXX   XX/XX/XXXX  If these accounts are not cleared immediately, I will be forced to file the lawsuit attached forthwith and seek punitive damages as well as violations of the FCRA Section  623 including Defamation and willful injury at {$1000.00} per violation. May I also remi nd you of  XXXX ,  v.   XXXX   XXXX   XXXX   US , Court of Appeals  for the  XXXX  Circuit  Court  Case  XXXX   XXXX   XXXX ,    XX/XX/XXXX ,   Filed (  XXXX   XXXX   XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 a account by XXXX XXXX XXXX XXXX XXXX was attached to my credit in the amount of {$7000.00} for a auto loan that a family memeber ( s ) used my identity fraudulently to add me as a co-signer for this vehicle. I never agreed to this nor did I sign anything. The family member ( s ) withheld all information regarding this account from me until an inquiry on my credit revealed it to me just 30 days ago I attempted to have the item removed but it was unsuccessful. I reached out to the company and was to yo file an complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$88000.00} charge off! 

XXXXXXXX XXXX XXXX {$39000.00} Bmw financial services XX/XX/XXXX XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit profile and seen an account I did not open. I sent letters in asking for my hand signature and they fell to send it XXXX
Product: Debt collection

I have another fraudulent debt collection attempt in the amount of {$1800.00} from CKS Prime investments. 
This is again from another account through XXXX XXXX company. 
I have a previous fraudulent account detected that CKS Prime investments recognized as not current and dismissed and closed the account and ceased collections. 
I am asking for that again with this account as it is not mine and I am still currently in open investigation for numerous fraudulent activity on my credit report. 
XXXX XXXX XXXX
Product: Debt collection

I ( and my family ) was contacted by a company called Summit Consumer Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, stating that I owe in excess of {$1500.00} due to a late cellphone payment to the mobile service provider XXXX XXXX from the years XX/XX/XXXX - XX/XX/XXXX. I have never been contacted in the past 16 years for any debt from XXXX. This company ( SCG ) stated that I woud be issued a subpoena and my bank assets would be seized if I do not remit payment for this fee. I contacted XXXX XXXX and the company stated that I do not owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter about an inaccurate account listed on my credit file. It has been over 30 days and I still haven't received a result of investigation.
Product: Checking or savings account

XXXX is the claim number for a claim I submitted to chase. I sent proof of delivery of the returned item using a screen shot of the tracking label as well as proof of delivery and they denied my claim again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit XXXX XXXX XXXX was sold to a credit collection agency over a year ago. XXXX is still reporting my account with a past due balance and late. A payment agreement was reached with the collection agency and settled on XX/XX/2023 and paid in full. 

This account was sold to a collection agency, XXXX XXXX XXXX XXXX, and a payment agreement reached and settled on XX/XX/2023. I reached out to XXXX and was informed that the collection agency is in fact Velocity LLC. 

As of todayXX/XX/2023XXXX they are reporting incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge Off : XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXX XXXX/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX Late Close : XXXX XXXX XXXX : {$0.00} XXXXDate Opened : XX/XX/XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides customers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$16000.00} XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX  XXXX {$420.00}
Product: Credit card or prepaid card

Company : Bank of America ( BOA ) Requested Action : Stop running credit checks on my social security number and approving applications for credit cards without my consent. 

I am not a member of BOA and do not want a credit card through them. 

On XX/XX/2022, BOA texted me " your credit request was approved '' confirming a credit card. I called BOA to stop it and was informed by the representative " someone '' had requested the card in the XXXX region. He could not tell me who and reportedly stopped the credit card from processing, making notes of fraudulent activity on my account. That day, I checked with XXXX credit and learned BOA unilaterally performed an unauthorized credit background on me on XX/XX/2022. 

On XX/XX/2022 - I received another credit card approval from BOA - stating my " application was approved ''. 

Since I belonged to BOA approximately 8 years ago, they have access to my SSN, and have been running credit checks, processing credit cards, without my consent.
Product: Student loan

In dealing with XXXX, and now Navient in regards to my private student loan, I have been charged an exorbitant amount of fees and late charges due to the mishandling of my account. While trying to resolve any matter or request assistance from a representative, I was always quickly rushed off the phone. Its like they are not allowed to speak with a customer for more than 5 minutes. The representatives at Navient were always quick to push me into a forbearance but never offered any other type of program that may make it easier to afford my loan. Even while on XXXX with the XXXX, the only program offered to me was forbearance. Whats worse, is that on my last XXXX, my forbearance that I thought was for the duration of my orders, was only for one month. After I returned from XXXX I found my account severely past due and I owed months of late fees. You would think that when you are 60, 90 days past due they would make an attempt to call you and resolve the payment issue like most creditors do. Not Navient, they seem perfectly happy with you as long as they have their late fees on top of the interest which never stops. 
Another issue is that they offer no assistance if your on a private student loan and have a XXXX student loan repayment contract. The XXXX is kind enough to make one large payment a year to my loan, unfortunately, Navient does not allow this one payment to be the sole payment for the year, even though it is 3x larger than the sum of my regularly scheduled monthly payments. Perhaps they do offer a program for XXXX, but I would never know because ever rep at Navient has a different way of pushing back when I ask about it. So for now I continue to make monthly payments even though the XXXX has one for me at the end of the year. With all the interest and fees I have been charged, my {$30000.00} XXXX student loan bonus is almost used up and my original {$25000.00} student loan is nowhere near to being paid off. 
Navient appears to be one of those companies that if you call them 5 times, your going to get 5 different answers. In dozens of calls to them, the main option presented repeatedly was a forbearence, which may offer temporary relief, it actually just digs you deeper in debt, which appears to be Navients goal.
Product: Debt collection

On XX/XX/2021, I checked my credit report and found a account on my report that was not mine. My information was exposed in the XXXX data breach and I filed a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of {$7700.00} Account Number XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Debt collection

I keep getting bills from XXXX XXXX and throwing them away because I'm a qualified medicare beneficiary and can not be balanced billed. I have both XXXX and XXXX. XXXX XXXX paid the bill and any balance should not have been billed to me because it is illegal to do so. Today I got a letter from Meade and associates saying that they are trying to collect the debt due to XXXX XXXX XXXX which I'm assuming is XXXX XXXX since he's the one I saw during the service dates between XXXX XXXX of 2022. During this time I was a qualified XXXX beneficiary and I still am. They say I owe {$100.00} and when I called them they argued with me about it even though I said I was a qualified XXXX beneficiary they said I owe this debt. I'm on XXXX because I'm XXXX XXXX and this is causing me mental duress for no reason. The person I spoke to at XXXX was very rude and raised his voice at me insisting that I owe this debt. The phone number for Meade & associates is XXXX. They're located at XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The letter is dated XX/XX/XXXX of 2022. The bills I received from XXXX XXXX were thrown away so I don't have those. Every time I get these bills it reminds me of the time I was committed and XXXX XXXX was the worst XXXX ever and XXXX was a horrible experience for me. This is affecting my mental health and I don't appreciate it. I feel like I'm being harassed for no reason.