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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX Account number : XXXX
Product: Debt collection

FDCPA 807 and 812 This company is In Direct violation. They have not provided anything that I signed with them a contract agreement a full account number or anything I asked for. Also I could not even open that PDF. If I do t get answers this will no go away it will get escalated. CFPB aid suppose to be there for the consumer there is no way this could be closed without me viewing any documents or explanation. I can not open the pdf to see what was said please resend so I can view what is there. 
The explanation pdf was a link to nothing I have proof they never responded with any information that was pertains to this compliant and CFPB is letting them get away with Fraud.
Product: Debt collection

I keep calling carmax auto finance to discuss the balance owed and to try and bring account back in good standing. Every representative gives different amounts. Then Im told if I make a payment they arent able to provide a receipt. Ive asked Carmax to put in writing the payment agreement and sass promised they would send by email in 24hours. The next day different rep stated they are not sending letter. I ask for statements of proof of balance they refuse to send by email or let me view online or make a payment online. Only can make payment by phone through rep but no commitment from Carmax they will honor their words. Ive asked for all late fees to be removed and they still wont provide me with a statement or nothing for proof.
Product: Debt collection

I have received incessant calls from a MCM ( Midland Credit Management ) company saying that they need to verify employment on me. I asked that they send over an email requesting this. I have impeccable credit and they did email me and the social security number they have IS NOT mine. When they call and harass me I ask what they are calling for and they refuse to tell me and only say XXXX XXXX. I explain that the social security is not mine and they DEMAND that i provide my social security. I have called them five times and one person advised they were looking for a XXXX XXXX. This was the person who sold me my home! They refuse to send me some kind of letter of what it is for and are demanding and call me every single day after they say they have the wrong person and i will take me off their list. However, they never do. I am humiliated as my credit score is XXXX and i do not have any past due bills. They have violated my rights on several attempts to collect a debt from someone that is NOT me. Please help me with this as upon looking online this seems to be this companies MO. I have contacted two attorneys on this that are going after this specific company as well!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Payday loan, title loan, or personal loan

I have a loan for {$1000.00} taken out in XX/XX/XXXX. I have paid six bi-weekly payments of {$220.00}, totally {$1300.00}. Plus an additional payment of {$220.00} that was recently taken despite the fact it was unauthorized ( more about that below ), making it a total of {$1500.00}. To date, the total amount I have paid ( which is {$540.00} more than the loan ) has gone towards interest only. 

In understand I took this loan, but the APR of 545.6883 % was not made known to me until after the loan was being funded. At a minimum, if I pay off this loan today, I will be paying a total of {$2600.00} for a {$1000.00} loan. I feel as though I have mislead and taken advantage of by Big Picture charging this exorbitant amount of interest, and failing to disclose the extremely high rate until after the loan was processed. 

I sent an email requesting to resolve this issue in an amicable manner, and revoking my prior ACH authorization, on XX/XX/XXXX. I followed up on XX/XX/XXXX, with a phone call to ask when I would receive a response and, again, revoking my ACH authorization. The customer service rep assured me that no further ACH transactions would be taken from my account, and that I would hear back shortly from the escalation team regarding my email. To date, I have not received correspondence back and Big Picture Loans processed an ACH transaction on XX/XX/XXXX. 

Furthermore, I don't believe this company is licensed to do business in my home state of Nevada. While I would like to resolve this issue, Big Picture Loans has been unresponsive and has blatantly ignored my requests by taking an ACH that was no longer authorized.
Product: Debt collection

I recieved a letter stating they were going to fwd account to an attorney if not paid or payment plan.. I believe I have asked this company for validation which I never received until XXXX XXXX knocked on my door to deliver the threatening letter..I decided I would contact the company even after seeing all the bad reviews they have online.. I spoke to a representative he did verify me but then starting talking about account then he gave me the mini XXXX which should have been stated after verification.. I then asked to be fwd to a manager.. The manager got on the line and was ready to talk about my issue..Did not tell me the call was being monitored or recorded nor did he verify me which is not legal at all..
Product: Debt collection

TRS Recovery Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX is trying to oblige me to pay a debt or a fraud incurred by a XXXX in XXXX Texas hours and hours away from my home in XXXX Texas. On the face of it, it appears to be identity theft used to commit check fraud. The problem is that the account used to write the check is not in my name and the driver 's license number used on the check is not mine. I have received no notifications that someone has opened an account in my name and I see no new notifications of suspicious activity around my credit. There is nothing new on my credit report indicating that something is going on. The only part of my identification being used is my name and address. These are readily available in public records. The amount of the transaction made with the bad check was for {$100.00} to which has been added {$32.00} in fees. I replied to their notice to acknowledge that I received it and provided a letter calling into question the basis for their claim. They followed up with a letter stating that my request for validation is resolved and within two weeks they sent me a second notice.
Product: Credit card

My bank, TD Bank, NA attempted to take 3 minimum payments from checking account in 3 consecutive days beginning XX/XX/XXXX. Both my credit card and my checking account are with TD Bank, NA. My credit card ends in XXXX and my checking account ends in XXXX. 
I has set automatic monthly payments for my credit card from my checking account. On XX/XX/2023 TD held {$270.00} from my checking to make payment to my credit card. 
On XX/XX/2023 TD again held {$270.00} twice. For a additional total hold of {$540.00} even though the payment and hold was successful and posted from XX/XX/2023 I contacted TD and they could not given reason for these 3 separate holds and payment attempts. They assured me they would not process the 2 additional payments and the holds would be removed. 
On XX/XX/2023 one of the two additional payments was posted to my credit card account and deducted from my checking account. There was still an additional payment in the amount of {$270.00} being held from my checking acco unt. I contacted TD Bank again and was promised they would not take the 3 duplic
ate payment, would release my funds and also would reverse the 2nd additional payment back to my checking account within 5-10 days. 
I stated they were denying me free use of my money and the additional wait time to return funds that I did not authorize was unacceptable. They had for all intents and purposes stolen my money and had denied my use of it. 
On XX/XX/2023 they did return {$270.00} to my checking account, but then charged me a fee of {$0.00} and another fee of {$0.00} and listed them both as NSF PAYMENT ADJ I was told NSF stands for Non Sufficient Funds. I never had non sufficient funds ever! Why am I being further harmed y these additional charges for their mistake? Why are they enriching themselves for their errors. 
This will be listed in my statement and will cause irreparable harm to my good name and financial standing. 
I do not feel they are entitled to hold up my money and also charge me fees to give it back to me. 
They will not answer my questions and they will not compensate me for the time I was denied access to my funds. Additionally, they offered to waive the fees, but this indicates it was my fault and could harm me in the future if I should ever need a fee waived due to my error or mistake. 
I have screen shots of my accounts to prove my side of this complaint.
Product: Credit reporting or other personal consumer reports

Please See Supporting documents pertaining to Equifax date breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XX/XX/2025 Equifax XXXX Department XXXX : Formal Dispute for removal of inaccurate and unverified information Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act XXXX XXXX. & XXXX and request a thorough investigation into these inaccuracies, as required by federal law. Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX for failure to properly investigate consumer disputes, citing, sham investigations and other unlawful practices. These practices, as outlined by the CFPB, XXXX : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute XXXX be mishandled in a similar manner. 
Please review the Inaccurate information and remove from my report the following XXXX. XXXX XXXX XXXX XXXX of XXXX XXXX. XXXX XXXX XXXX XXXX of {$1700.00} XXXX the FCRA, you are required to conduct and investigation into my dispute also provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. IF not address I reserve the right to escalate the issues with the CFPB and other appropriate agencies Thank you for looking and correcting this matter I look forward to hearing from you as soon as possible. 


Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report due to a data breach that compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
I have reason to believe that the following accounts and inquiries on my credit report are the result of identity theft. Please take the necessary steps to block and delete the following items : XXXX Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX Complaint Against : XXXX Experian Subject : Inconsistent and Incorrect Reporting of US DEPT ED Account # XXXX Details of the Complaint : I am filing a formal complaint regarding the incorrect and inconsistent reporting of my US DEPT ED account ( # XXXX ) by XXXX and Experian. 

1. Inconsistent Reporting : The account is being reported differently across credit bureaus. XXXX is reporting one version of the account status, while Experian is reporting it inaccurately as a collection account. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in reporting consumer credit information. 
2. Inaccurate Reporting by Experian : Experian is reporting the account as a collection, which is factually incorrect. Under FCRA, 15 U.S.C. 1681i, I am entitled to dispute incorrect information and have it corrected if proven inaccurate. I am requesting that Experian immediately update their records to reflect the accurate status of my US DEPT ED account.
Product: Debt collection

Certified letter was sent on XX/XX/XXXX regarding a charged off as bad debt Purchased by another lender and also to the purchase lender that the am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws and that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. buy never received any response from no one but from from the original creditor. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report.
Product: Mortgage

Freedom Mortgage doesn't apply payments appropriately. This has been a recurring problem and I have reported to the CFPB before. We stay approximately 3 monthly ahead on our payments and we make each of the payments through the Lender's website. The lender's website will only allow full payments plus additional principal and additional escrow. They will not allow partial payment. We made the payment plus additional principal on XX/XX/XXXX which was due for XX/XX/XXXX . They did not apply our payment. The account summary shows it went all to principal, but the statement shows it is held in suspense. I called Freedom Mortgage on XX/XX/XXXX and was told by XXXX that it would be corrected. It has not and now the lender is blaming me. I was told I didn't make the full payment - I didn't pay enough. I paid through their website as always, which doesn't allow less than a minimum payment and I paid additional principal. Additionally the lender is trying to charge me a future interest rate. My interest rate is changing, and they are trying to charge me the new rate on payments I am making now. How can they charge future interest? We also have not received the ARM notice of a rate change. Is that not supposed to go out 60 days prior to a change? They claim they sent it on the XXXX, but there is no record of that online in the statements and documents section of their website. How can they charge me the new higher rate now? Why am I penalized for making my payments early and paying extra?
Product: Mortgage

I spoke to Roundpoint Mortgage Service about the procedure for making a principal curtailment payment and recasting my mortgage in XXXX 2015. I was told that I should submit my regular monthly payment, then a curtailment payment, then send a request to the servicing help email address requesting a recast. I was informed the processing would occur within XXXX days and that I would be contacted for any further information and given documentation with new loan terms to accept. I submitted a curtailment payment of {$44000.00} on XXXX XXXX. Despite numerous phone conversations and emails, Roundpoint has not to my knowledge taken any steps to complete the recast of the mortgage, including informing me of any further information needed to complete the recast as explained to me prior to making the curtailment payment ( I opted to pursue a recast instead of refinancing the property based on the representations of the Roundpoint representatives ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!
Product: Credit reporting

there is someone elses name on my transunion credit report. the names XXXX XXXX is not mine nor do I know this person. My name is XXXX XXXX and always has veen
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I tried to cancel the security freeze that I placed on my account, but the web software did not permit this. I had no trouble removing the freeze from the other 2 credit reporting services. 
On XX/XX/2020, I sent the requested documentation by USPS Priority mail to Experian. USPS reported that it was delivered on  XX/XX/XXXX. 
I repeatedly tried to contact Experian customer service by telephone, but they will not allow me to speak with a person.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report.
Product: Debt collection

We are owed {$500.00} from XXXX XXXX and they have refused to pay for damage done to our roof while installing XXXX XXXX XXXX. Instead of paying us the {$500.00} they have ignored and state that we owe them {$340.00}. We have disputed this. We have been receiving harassing calls from their collection company as many as 3 calls a day. As an example on X/XX/2017 they called three times from two different numbers. They have sent email when told not to contact us via email and send any communication via US Mail. We have filed a formal complaint against XXXX XXXX XXXX XXXX XXXX for refusal to pay for damage to our roof caused by their installer.
Product: Debt collection

I received my credit report and to my surprise there was unauthorized, unverified accounts that I have no knowledge of. There is a collection on my account from Capital One that is hindering me from utilizing my credit and this unauthorized account needs to removed immediately. This unauthorized account was opened on XXXX its listed on XXXX, XXXX, and XXXX. According to the FCRA 15 U.S. CODE 1692 this account needs to be removed immediately.
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX XXXX Business Card on XX/XX/XXXX and was approved. There was a bonus offer of " A {$100.00} STATEMENT CREDIT after your first purchase on the XXXX XXXX XXXX XXXX Business Card within your first 3 months. Plus, earn XXXX XXXX XXXX  Bonus Points after you use your new Card to make {$3000.00} in eligible purchases within the first 3 months of Card Membership. '' I made my first eligible purchases with the card on XX/XX/XXXX, and completed {$3000.00} in eligible purchases on XX/XX/XXXX. 

On XX/XX/XXXX, I confirmed that these offers were in effect via the " American Express Chat '' online. However, I followed up on the status of the offer ( since I had not yet received either the {$100.00} statement credit or the XXXX bonus points ) on XX/XX/XXXX, and I was informed via the " American Express Chat '' online that the welcome bonus offer was declined.
Product: Debt collection

On XX/XX/XXXX, I had service installed with XXXX XXXX. I was unhappy with the service provided and on XX/XX/XXXX I called to discontinue my service. XXXX sent final billing statement dated XX/XX/XXXX- XX/XX/XXXX requesting that I remit a payment for {$110.00}. I've made several attempt to discuss and disputes amount with creditor and debt agency the charges are incorrect. I should only be charge for days of service use not entire month of service.