23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fraudulent charges were reported on my XXXX account. I took numerous efforts to resolve this with XXXX directly. I was told no debt was owed. I then was contacted numerous times by this collection agency after telling them that the account was in good standing. 

After resolving the issue with my own creditors, I contacted the FTC and the XXXX about the issue and made complaints on my behalf regarding the errant reporting done by XXXX as well as the collections agency. I received no calls from the collection agency after until today, XXXX XXXX, 2015, almost a year later. 

I explained again that XXXX errantly reported my account, that I have legal representation and am a part of many customers who were a victim of a class action lawsuit filed against XXXX. I told them that I can not be called during work hours, as it is not allowed for me to take personal calls, and that they should not be contacting me any further. I told them the XXXX time that if they wanted to contact me, they could speak with my lawyer, and they never have called him once to this day. I am still being harassed for no reason about money that XXXX told me I did not owe! Any efforts I made to reconcile the account, I was told I still owed money, even though the justification for the charges were errant ( such as being charged a contract termination fee, when I did not have a contract ), and when I had originally closed the account and talked to the representative, I was told I did not owe XXXX money. Then two months later the debt collection agency contacted me without any forewarning, letter, call or e-mail from XXXX saying I had money owed.
Product: Credit reporting or other personal consumer reports

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

Please investigate my below disputes and actually this time have the credit bureaus and collection agencies to respond to my dispute requests. Documentation is attached. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.
Product: Debt collection

I had a {$500.00} doctor bill from XX/XX/XXXX and in XX/XX/XXXX Profesional credit service in XXXX Oregon garnished my bank account {$1200.00}. I have called the collection agency three times since asking for a breakdown of what the {$1200.00} was for. I was told to go to their website and look it up there. The website doesn't show that information. When I called back the man at PCS told me since my balance owed is now XXXX  he can't send me any information of what I paid.
Product: Credit card or prepaid card

All our family has been a faithful customer of Capital One for over 20 years. Without any notice or explanation they simply closed our checking, savings and credit cards even when we always paid on time. 

Capital One is refusing to tell us why they closed our accounts. This placed a hardship on our family because many bills were being paid with the credit cards. I was stuck in Collage without any means to pay for food or anything else until days later we mailed her another CC from a different bank. My mother or father could not pay for anything at the grocery store in total embarrassment to her in front of the store clerk and other customers. Many bills bounced all of a sudden and we did not know why since Capital One never bothered to give us notice or explain the closures. 

We always paid on time and never did anything illegal. Capital One did not allow us to explain anything since without notice they closed all accounts and are refusing terminally to tell us why. 

I know Capital One has been sued for the exact same reasons in cause no XXXX XXXX XXXX XXXX XXXX XXXX XXXX : on behalf of himself and all others : similarly situated, : : Plaintiff, : : Civil Action File No. 
v. : : ___________________ CAPITAL ONE BANK ( USA ), N.AXXXX, a : National Banking Association, and even when they lost this class action lawsuit they continue doing the same wrongful actions against their customers. 

I want a full explanation and a reconstitution of all our accounts and XXXX plus an apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 




" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for XXXX and Equifax. I have submitted disputes regarding the same company, XXXX XXXX several times, regarding the errors on my credit report and they have failed to correct the information or totally remove XXXX XXXX from my Credit Report altogether, in which they stated on XXXX XXXX site on XX/XX/XXXX that they would do. The exact language was " XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your Credit Report. '' When I checked my acct again on XX/XX/XXXX, there was a new remark added for the XXXX XXXX Acct, which stated " fixed '' and they left the account on my record. I am considering filing a lawsuit against XXXX and Equifax at this point, since they are reporting incorrect information and have fail to properly investigate, and not remove the information well after 30 days. As a result my credit score dropped again by almost 50 points with XXXX, due to Negligence on their part. Thank you for your assistance regarding this urgent matter.
Product: Debt collection

In accordance with the Fair Credit Report act, AMERICOLLECT INC, 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 an account without my written instructions. 
15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

On XX/XX/21 I received a letter for the reason for denial of my credit card application from Navy Federal Credit Union. Per the letter, I was denied due to High interest Rate loan Application, Insufficient tax assessed property value, too small property acreage and too many Fha mortgages. 
I would like for them to explain first why is my mortgage and home values and size is being looked at for a consumer credit card. Secondly I would like for them to provide where did they get value of my house and lot size from as this info is not on my credit report. Lastly I feel this organization are practicing discriminatory credit decision making as as previously I was denied due to not making deposits into my account with their bank. I only have one mortgage so I'm not understanding how I have too many.
Product: Mortgage

DSLD has a mortgage company, they are a builder, and have a title company. 
DSLD mortgage appears to be violating the intention of RESPA due to the fact that they will not pay closing costs if it goes through another lender but will provide a the builder agrees to pay $ XXXX in closing costs if the borrower agrees to use their title company and lender. 
Since the buyer has to pay more based on some contingent factor from a builder, lender, or other party isn't this a RESPA issue? The additional amount paid would generally be considered a kickback  to the benefitting party. 
Home builder incentives ( buyers have to use the builders mortgage company or pay thousands of dollars more for the home ). 
Lender incentives ( imposing an additional fee on homebuyers who elect not to use an affiliated company ). 

Mortgage companies that do not operate within the confines of the law and attempt to operate in contravention of the federal consumer protection laws have an unfair advantage to that of bank lenders as well as present the potential for significant consumer harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : Unauthorized Inquiries 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. XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX
Product: Debt collection

This is not my debt this is result of identity fraud / forgery.
Product: Credit card or prepaid card

Please see previous CFPB complaint filed against CITI BANK XXXX After a very stressful and tedious process with CITI BANK to receive a replacement on an expired credit card, CITI BANK has established a FRAUD HOLD on my account that requires me to answer many unnecessary or already document questions in order for the credit card company to approve purchases charged to my open account. One question in particular is repeatedly asked of me " Do you have a Citi Checking or Savings account? '' I am repeatedly asked for various phone numbers for verification.

CITI Bank continues to discriminate against me as a customer. No one else has access to use my credit account. CITI Bank did not disclose that I would have to continuously pass through FRAUD examinations before I can use my account. This is a highly discriminatory practice. I will file a complaint with the FDIC and also write the U.S. Congress about the CITI Bank 's aggressive tactics and creating excessive, unnecessary barrier to access open credit account.

Furthermore, I will begin the process of looking into a campaign to start a class action lawsuit against CITI Bank regarding it discriminatory practices towards its consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is furnishing data without my written consent in clear violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. In pursuant to 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the expressed permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. These companies are calling me XXXX times a day, calling family members and friend XXXX times a day in clear violation. 

Pursuant to 18 USC XXXX, I owe no debt.Company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXXCompany also has NO permission to report ANYTHING using my information pursuant to 15USC1681 XXXX
Product: Credit card

This is an update to a previous complaint. 

I have paid off the ENTIRE amount of the principle amount that I originally owed within the promotional period. This meets the original requirement of the deferred interest plan and I should not be getting charged any additional interest. 

I have not paid any of the late fees that Comentiy has previously charged me because they are not valid and fraudulently assessed ; and I refuse to pay any of it out of principle. Anyway, Comenity has not applied my previous payments towards the principle, instead applying them towards the supposed late fees, and as a result their system marked me as not having met the requirement to quality for the deferred interest. 

They have been harassing me over this frequently debt, now claiming to be over {$500.00}. I had to tell them to stop calling my phone TWICE for them to stop, and they are still mailing me letters falsely claiming that I owe them over {$500.00}. 

Moveover, they have falsely reported me as delinquent to the credit bureau.
Product: Debt collection

I have had multiple phone calls from NCB regarding a debt that I contested with them. This account has never shown up on my credit report, nor do I know what it is. That being said, I recently received a letter from them on XX/XX/2023 whereby it states that I agreed to a promise to repay the debt. No payment arrangement would have ever been made. This letter is nothing more than a total fabrication. Please feel free to contact me should you like to discuss in more detail. 

Thanks XXXX
Product: Mortgage

as i have requested in the past, send a copy of all responses through USPS you have failed to send a response to COMPLAINT XXXX SUBMITTED ON XX/XX/2020 this XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Below are the fraudulent accounts for delete : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Trying to refinance my home that I have with National Asset Mortgage however this mortgage company refuses to release or sign off on my deed to the home. XXXX XXXX has paid them the balance owed on the house and they have attempted as well as I to resolve this matter with no success and now I pay XXXX XXXX monthly but I still have not received a signed deed from National Asset Mortgage and my current refinance loan has been canceled due to this matter they are located in South Carolina and the phone number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I AM PAID IN FULL- ON XX/XX/XXXX SELECT PORTFOLIO PAID TO HAVE MY HOME VADELIZED BURGLERIZED AND HIRED A COMPANY TO KEEP ME OUT OF MY RESIDENCE TO INCLUDE FORCE ME OUT WITH PHYSICAL FORCE- I LOST OVER XXXX OF PERSONAL PROPERTY AND MY INHERITANCE AND BUSINESS - MY BUSINESS HAS A XXXX CONTRACT LOST AFTER THEY COMPLETYELY LIED TO ME REFUSED A PAYMENT AFTER THIS CRIME ON MY MARITAL HOME- THEY PAID THE JUDGE TO FRAUD AN ORDER ACCORDING TO THE CRIMINALS THEY HIRED TO VIOLATE MY RIGHTS TO ENJOY ME HOME- AS THEY GALKED AT HOW THIS WAS FOR XXXX, OOO IN LUIE OF FORECLOSURE WHEN MY MORTGAGE WAS NOT LATE AND WAS UP TO DATE- I ASKED THEM TO REPAIR MY HOME THEY LIED TO YOU AS YOUR WHY I WAS ABLE TO RETURN IN XX/XX/XXXX AND I HAVE 4 RECORDINGS OF THE RELATIONSHIP SPECIALIST SAYING WHO EVER TOLD ME I COULD ASSUME THE LOAN TELL THEM THEY ARE LYING AND TO CALL THEM - AND THEY WILL EXPLAIN I TOLD HER ITS OKAY I GOT HER RECORDED- AND SHE SAID SHE WAS SORRY THE Lawyers are XXXX  and are lying to the point of criminal acts to steal my home- but they can not help me as the judge fraud and took a fordgery document to transfer a tittle to a man hired by the company named XXXX XXXX the XXXX who was also couyrt apt ? but he does this a lt he is a proffessional in mortgae fraud and breach of duty its how i learned its what they are doing to me- is there some way ypu can get FBI OR SOMEONE TO LOOK INTO THIS WHITE COLLAR CRIME AS I LOST ALL I OWN AND CONSUMER PROTECTION IS THE ONLY HELP I GET- PLEASE PLEASE PLEASE HELP ME- I PAID FOR THIS DEPT AND THEY CAN PAY ME FOR MY LOSSES OR MY HOME- AS IT A FINNACIAL CRIME AND THATS THE REMEDY.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle Failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transitions was unfeasible. The CFPB '' s findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by EXPERIAN. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the inquiry that is still reporting on my account : US SM BUS ADMIN ODA-Date of inquiry XX/XX/XXXX 2020
Product: Vehicle loan or lease

I was a victim of idenity theft and I sent in all the documents and they removed everything that was fraud except this one account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX CARD # XXXX XXXX CARD # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2024 XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$620.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX {$6200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an update to the following information in my file. The item I request is stated below and correspondence I received directly from my credit report. 
Additionally, I noticed that my report is reflecting late payments on two accounts from American Express. These items are inaccurate because both accounts are paid in full and in good standing with no late payments. 

AMERICAN EXPRESS : # XXXX AMERICAN EXPRESS : # XXXX