23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : XXXX, was opened on XXXX XX/XX/2025 XXXX XXXX : XXXX, was opened on XXXX XX/XX/2025 has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I was approached, actually hounded, by rocket mortgage to refinance with the promise of no paperwork and lowering my mortgage payment by $ XXXX. After several weeks and massive documentation they could only lower my payment by $ XXXX and my mortgage would increase from XXXX to XXXX. This seemed almost like churning for a commission. I had a conversation. With a supervisor who wanted to know why I had not refinanced. I explained how I had been given false information and my mortgage would not decrease as promised and I had jumped thru hoops including being asked for employment records from XXXX yrs previous. Even after providing tax returns from my CPA. 

I did not hear again until I paid my next mortgage and my escrow had increased $ XXXX. No tax increase was noted in XXXX nor was there an insurance increase notification. $ XXXX the following year? 

I asked company and they said there was deficient escrow and the increase was for the yr.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor.

The obligation between your company XXXX, XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On    XXXX   XXXX    , 2017 I n oticed that my credir report dropped a significant amount. This was due to an error that   XXXX   XXXX   made. They erroneously reported that I was using between  12 and 29 % o f my credit for the month of  XXXX . On    XXXX   XXXX    , 2017 S upervisor at   XXXX   XXXX    XXXX  stated she would message the  XXXX  reporting agencies,  XXXX , Transunion and   XXXX   of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached  2 scr een shots of my credit report. The correct  one and t he one that took a hit uneccessarily. Please fix this error ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account bankruptcy, XXXX  XXXX discharge.. XXXX Account XXXX XXXX XXXX Account XXXX  XXXX Account XXXX XXXX XXXX .. Account XXXX  # XXXX. Account XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX 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 seven 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

I saw Rocket Mortgage commercials that show it's all online. I submitted an app expecting rates, but you have to talk to someone in AZ first before getting rates. That information was never given to me before finishing the submission when I gave them the property location online. As soon as I got a notice on the landing page, where I was expecting to get available rates, to call someone I did. I got someone in California who had no idea why I was transferred there and said I would need to talk to someone in AZ. I then immediately got back online and used their web chat to talk to a rep. I repeatedly told them I do not want my credit pulled since their service was misleading and not really an online service. I repeatedly kept telling him I also no longer wanted to use their services and that I felt misled. Then I got an alert today that my credit was pulled two days ago anyway. I also asked for a copy of the online chat when I called today and they said I couldn't get a copy
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX I received the below email from CoinBase ( CB ). When I checked my account, I could not find in any evidence that my account had increased by {$980.00} of USD. 

When I contacted CoinBase 's support, they asked me to verify the transaction. I told them that I made a transacton of near {$1000.00} USD on XX/XX/XXXX and after fees, assume that this was referencing the {$980.00} however CoinBase 's customer service was of no help. 

They asked for a copy of the email, which I provided but the customer service agent kept repeating himself. The agent 's name is " XXXX '' and we kept going in circles. 

It's unbelieveable to me, that CB, would send out such an email without having an acocunting of what it's referring to.

I'd appreciate CFPB helping me get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance keeps getting sold and reopened as a fresh account the account is so old that regardless to anything the information shouldnt even be on my credit report. The origination date keeps getting reaged.
Product: Debt collection

Account Name : DISCOVERBANK Account Number : XXXX Date Opened : XX/XX/2004 Balance : {$0.00} Reason : Identity theft Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit bureaus have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

got notice saying im being sued by capital one. I dont have a capital one card. I am XXXX  XXXX and XXXX. I am also a XXXX XXXX XXXX. I sent capital one and the courts papers for them to verify that I owe. I never heard anything back debt has not been verified. I dont have a capitol one card. I am a victim of fraud and the court/ capital one is suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to each credit reporting agency and also called. They did not provide me with any information or help for these unauthorized inquires 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: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute several times with Experian. I have explain that the information being reported is inaccurate. Experian has yet to provide written proof that the investigation has been verified by the company. The company has yet to provide verification or documentation that proves any of the negative info being report is accurate. I was a victim of identity theft a while back. I have a bankruptcy that isnt mines, along with a collection that doesnt belong to me. Also there are negative account along with inquiries that isnt mines that Experian has yet to prove to burden proof that it belongs to me. I have sent many disputes and many of the disputes they are unwilling to let me dispute again. I should not be held liable for actions of other people who steals peoples identity. Please follow up with Experian to ensure that are following the guidelines set forth to protect the information being reported on consumers report,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my XXXX XXXX  and send a unauthorized hard inquiry and I never applied for any credit products for discover bank. Called and they still havent removed from my credit report.
Product: Mortgage

The foreclosure auction was cancelled until further notice. I received statements from the mortgage company stated I can submit a hardship application So I submitted a hardship application on XX/XX/2021 through the mortgage company loss mitigation email address for process but I have not received a response. I've called the Fifth Third bank mortgage company foreclosure / loss mitigation representative three times and no response about my application. I resubmit a second application and no response.
Product: Checking or savings account

Im writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have occurred despite having funds when transactions were authorizing it I was charged for due to lagging post of charges and credit this issue aligns with the recent CFBP findings against Navy Federal for some of the practices where transactions settled with insufficient balances, despite in intentionally available funds, I believe these practices are unfair, and I request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

i cheked my credit a few months ago. its not the law, I never had a vouch   account I dont speak english the rep is very abusive with language. The other bureaus deleted it but XXXX  refuses. Its very diddiculy. I use a dictionary to write this. Please help. And XXXX  XXXX marked me late marked me late and I have automatic payments setup. the language barer. i need to keep my citizenship. this is not good for me please delete vouch   and update my lates at XXXX  XXXX to never late. i was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I never was late on XXXX  XXXX. I had automatic payments scheduled 100 % this is on my report You've made 42 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_status
Product: Credit card

Home Depot said it was my fault for not paying a bill in in XXXX 2015. I was reported 30 days late to my Credit Bureau for this issue. My account was paid in full for a long period of time and the account had no activity. Therefore, I did not receive paper statements. I had a credit on file for an overpayment that was used and it went four or six dollars pass the credit that caused for a payment to be made. The balance on the account was six dollars and XXXX with a credit limit of {$3500.00}. Home depot reported me as late because I did not make the {$6.00} payment. I received no Bill. Later on they dropped my credit limit to 3,200.00. I called in to dispute with Home Depot and XXXX credit reporting. Home Depot female representative was not helpful. I asked to speak to a supervisor and he said it was my fault and error and not theirs. The business practice of Home Depot with this consumer who has always paid the bill and never late with big or small ticket items is deplorable! I was not treated fairly and felt rejected as XXXX of their customers. I was amicable on the phone and the people infuriated me regarding this subject matter which left a bad taste in my mouth about their business.
Product: Credit card

As part of earlier settlement with XXXX for In-App purchase, my XXXX old daughter had used a game on my wife phone which was tied to XXXX credit card. When we reached XXXX, they said they would reverse the charges. Somehow the charges on XXXX of credit card was not reversed. They continue to add financial charges and late fee. I informed my credit card company that these charge should not be there since I had spoken to XXXX. They did not remove the charges and continued charging. From initial charge of {$70.00} to {$700.00} with late fee. They have reported it to credit bureau and spoiled my credit score. Now they have turned the debit over to collectors who are constantly calling. I have called XXXX and unfortunately XXXX will not talk with Credit card company. As a consumer I feel frustrated after wasting a lot of time.
Product: Debt collection

I received an email from a company called Ace Cash Group threatening legal action against me and requesting I pay them {$620.00}. The body of the email is below. I do not have any dealings with a company by this name and based on a web search I believe this is a fraudulent attempt to collect money. basically, it is a scam. 

CASE FILE # : XXXX Attorney : XXXX XXXX Number : ( XXXX ) XXXX DUE AMOUNT- {$620.00} Dear XXXX XXXX, This is to inform you, that you are going to be legally prosecuted in the Court House within a couple of days. Your S.S.N is put on hold by the US Federal Government, so before the case if filed we would like to notify you about this matter. 

It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your case with the Bureau of Defaulters. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. Now this means a few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. 
Now, FTC is pressing charges against you regarding XXXX serious allegations : 1. Violation of federal banking regulation act XXXX ( C ) 2. Collateral check fraud 3. Theft by deception ( ACT XXXX A ) If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We re-serve the right to commence litigation for intent to commit wire fraud under the pretence of refusing to repay a total outstanding amount committed to, by use of the internet. In addition we re-serve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 
WE CARRY ALL THE RIGHTS RE-SERVED TO INFORM TO FBI, FTC YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you are found guilty in the court house, then you have to breathe entire cost of this lawsuit which totals to {$13000.00}, excluding amount you borrow, attorney 's fee & the interest charges. You have the right to hire an attorney. If you do n't have or ca n't afford one then the court will appoint one for you. 

Attorney : XXXX XXXX ( XXXX ) XXXX Ace Cash Group Copyright ( C ) XXXX FTC.
Product: Debt collection

This is the 4th Collection agency to attempt to collect. Please refer to my original complaint submitted on XX/XX/18, CFPB number XXXX. My dispute this time is with Convergent who is attempting to collect this debt of {$260.00} As with the other collection agencies of XXXX, this debt was never verified. This has to stop. I am attaching the paper work from my original complaint and the lastest collection effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of service was XXXX Billed on XXXX XXXX, XXXX Called Equifax, XXXX XXXX XXXX and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to Equifax because the original credit reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show Equifax the account as paid but they say they no longer have an account with me. Equifax has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to Equifax as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from Equifax they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXX, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.