23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, National Account Systems placed a collection account on my credit file. National Account Systems failed to notify me of this debt and my right to dispute/validate the debt. On XX/XX/XXXX, I disputed this debt and requested validation with written notice. In this letter, I also notified them of their violation of the FDCPA, FCRA, and the Texas Finance Code. I did not receive a response. 

On XX/XX/XXXX, I sent another written notice advising them they were still in violation of the FDCPA, FCRA, and now the Bankruptcy protections that prohibit ANY form of debt collection to include credit reporting which is a form of debt collection during the bankruptcy stay. This request was also ignored. 

Over a year later, NAS continues to report this invalid debt to my credit file with the status that it is included in bankruptcy ; however, the bankruptcy courts have this debt as " disputed '' because they failed to validate the debt when requested.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act 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 with my written instructions.
Product: Debt collection

National Credit Systems has been calling me at work and harassing me. They claim they can not call my cell phone number - which no one else seems to be having this problem. 

A woman named XXXX XXXX called me at the beginning of XX/XX/XXXX stating that I owed my former apartment complex {$700.00} because I terminated my lease early. Fair enough. It is a debt that I owe. I made a payment to them the following Friday. XXXX XXXX asked that they set up an automatic withdraw from my checking account. I told her that I was not comfortable with this and that I would just send them a monthly payment of {$100.00} until the debt is paid. She said that would be fine. 

Well today ( XX/XX/XXXX ) XXXX XXXX calls me back ( at work again! ) and tells me that my account will still be reported on my credit because I elected not to have the money automatically debited from my account. I told her AGAIN that I 'm not comfortable with that and that last month it was n't a problem and now suddenly it is? I said " So you 're telling me that even though I am making payments, you 're still going to report this on my credit just because I do n't want to give you my checking account information? '' She said " That 's not what I 'm saying. You 're putting words in my mouth. '' So I said " That is exactly what you just said. '' She continued arguing with me stating that is n't the only reason. I asked what the other reason is and she told me that this had been discussed with me prior. I said " No, you told me last month it was fine for me to make payments on my own. '' Then she just told me that this was their policy. 

I do n't think it 's right for them to still report this on my credit when I am making monthly payments just because I do n't want to hand over my checking account information so they can do an automatic debit. The only thing they should be concerned about is whether or not I 'm sending in payments NOT that they have access to my checking account. This company seems fraudulent to me. I have another pending payment going out to them tomorrow. I wish I could stop the payment but it is already in process. 

I just do n't see how this is even legal and I really do n't think they should be allowed to call me and harass me at work!
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. 

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

MY CREDIT CARD ACCOUNT WAS CLOSED WITHOUT ANY WARNING ( S ). I DIDNT GET ANY NOTICE ON MY LATE PAYMENT AND ONLY REALISED MY ACCOUNT HAS BEEN CLOSED AT THE TIME MY ACCOUNT WAS FUNDED. I NEED MY CREDIT CARD ACCOUNT REOPENED.
Product: Checking or savings account

I received a {$600.00} offer in the mail if I opened a new checking and savings account with Citizens Bank. The savings account offer was worth {$300.00} if I made one {$200.00} deposit each month for the next 3 months. When I signed up for the account on XX/XX/XXXX I was told I could make the {$200.00} deposit online when I got home, and that would count as the first of three deposits. I did this and then subsequently made the other deposits in XXXX and XX/XX/XXXX. I did not receive my savings account bonus for a few months and had already received my checking account bonus. I went into the branch multiple times and each time they said it would come the next month. In XXXX, after a few months of stating I was no longer interested in waiting, I filed a complain in-person in the branch stating that I never got my savings account bonus. I was told I would receive an update on the complaint in XXXX weeks. At the end of XXXX, I came into the branch asking for an update on the complaint. I was informed the bank had called me and told me the resolution. I never received a call or letter addressing the complaint. Additionally, the bankers told me they did not have details about the complaint other than that the bonus was properly denied. I asked them to escalate the complaint, at which point they did. In XX/XX/XXXX I received a letter from the Office of the Chairman stating my savings account bonus was declined since I only made 1 deposit in XXXX. This is untrue as XXXX {$200.00} deposits were made and are reflected in my account statements. I was informed through the letter that the first {$200.00} deposit must be made the month after the account was opened, which was contradictory to the information I received when opening the account. I only opened my account because of the bonuses. When I tried to contact the phone number listed on the 2nd complaint 's letter, I never heard a response. I called around 12 times between XX/XX/XXXX when I received the letter until today, XX/XX/XXXX. I left multiple voice messages with my name and contact number but never heard back. Today, I called the bank at their XXXX number and was told they could not do anything to assist me. 
I believe I was misled and deceived when opening my account and believe my complaints were not handled properly as the first I never heard the resolution until I went into the branch and the second I was unable to contact the bank for further questions at the number provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 hard Inquiry on my file report on transunion that i have no knowledge of and never authorized. When I found out I had called each company to remove hard inquiry as I never signed anything giving anyone permission This is the list of the hard Inquiry pulls I would like removed : XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

My home loan is with New Rez, I have repeatedly tried to get them to remove my PMI. They hired clear capital to do a XXXX  on my home and I paid {$150.00}. The agent did the site visit and sent in a XXXX  with the home valuation at {$390000.00} but the square footage on my home was short XXXX square feet. XXXX XXXX  was the company hired to do the XXXX in XXXX and a revision was requested and sent back in to New Rez. At this point nobody in New Rez has been able to find the copy of this report stating that the square footage on my home is updated and the valuation is {$410000.00} which is adequate to removed the PMI on my monthly payment. This is the second complaint I am filing with the CFPB because New Rez responded to the original one stating this : Upon research of the issue, we determined that the revised XXXX reflects additional square footage and other/additional sales comparables however the home value remains unchanged at {$390000.00}. This valuation is based on the sales analysis of the comparable properties within the report. The valuation is on XXXX XXXX of the XXXX. The two XXXX  are enclosed for reference HOWEVER THE SECOND REPORT THEY ATTACHED IS FROM XXXX XXXX XXXX YEARS OLD AND IS NOT THE CORRECTED ONE FROM 2025. 

Someone from New Rez needs to contact XXXX XXXX and get a copy of the updated and correct XXXX  dated XX/XX/year> from XXXX XXXX and broker XXXX XXXX. 
Continuing to deny my request to remove PMI due to a XXXX  from three years ago is not compliant. I will continue to file complaints until someone from New Rez does the ground work to track down the correct report and then acknowledges the value of my home is sufficient to have the investor remove the PMI. Instead of being concerned with customer service and working towards a solution the main focus of New Rez continues to be to solicit me for home equity loans and new business which is ironic because if I have enough equity in my home as stated by New Rez marketing emails than I have enough equity to remove my PMI!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX : {$8000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$90.00} ; 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
Product: Credit reporting or other personal consumer reports

Hello, I am unable to log on to my Experian online account. Each time I request a code be texted to me to log on, I do not receive the code. I am unable to request assistance through the automated phone tree ( I can never get to a person ) and I have sent several certified letters that have gone unanswered. I would really appreciate any assistance with this problem. I am unable to obtain a credit card from my bank until this is resolved. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

XXXX XXXX Had Already sent me a letter stating that this amount was not owed and had been removed from my Credit report. Radius Global Solutions continues to add this debt to my credit report and send me letters attempting to collect the amount listed on the letter. I currently do not bank with wells fargo. The amount Radius is trying to collect was in regards to overdraft fees which XXXX XXXX had already been court ordered to remove from any accounts. This is not the first time I report this business for the exact same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BUREAUS HAVE FAILED TO PROPERLY INVESTIGATE FRAUDULENT, ERRONEOUS THATS A RESULT OF IDENTITY THEFT
Product: Mortgage

I am new to selling a home and buying a new home. The mortgage lender did not disclose the need to supply an additional large amount of money to close my loan. I often reached out to ask why each XXXX disclosure seemed wrong. I was continually assured the cost to close would be as discussed when all the numbers were entered from the underwriter. The company has tried to say I knew all along. I have never received ( after repeated emails, phone calls, etc ) offering an explanation. I have only been told they are sorry but I am short $ XXXX to close. The company continues to try to bury their errors by increasing my loan amount and still requiring an additional $ XXXX to close. No accounting has been offered to me.
Product: Credit card or prepaid card

On XX/XX/2022 Some one hacked my XXXX account and made an unauthorized purchase with my Direct Express debit card ending XXXX in the amount of XXXX. 
On the XXXX of XXXX I opened a fraud claim with Direct Express # XXXX. 
After a 45 day investigation by Direct Express they decided to deny my fraud claim saying that the merchant ( XXXX ) provided them with proof that I approved that transaction. 
I requested a copy of that proof 3 times and have not yet received it. 
Nor will the merchant allow me access to that proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and information were used fraudulently with LVNV Funding LLC, on XX/XX/2022.
Product: Checking or savings account

Bank of America is contracted with EDD for the debit cards there was a court order put in place by a judge stating that they are not to freeze or hold funds on cards however it has been nearly a year now since my card has been frozen by Bank of America they refuse to unfreeze it regardless of the situation I have contacted EDD and I have verified all my identifying information and everything is cleared on their end however Bank of America still refuses to allow causing me to be unable to pay my bills and have lost everything due to this
Product: Mortgage

At some point in our relationship with NewRez, our mortgage company, they decided to switch our status in escrow from " lender responsibility '' to " owner responsibilty '' and have declined to pay our city property tax. They are holding over $ XXXX in escrow for our $ XXXX property tax bill. 

On XX/XX/XXXX, I received a bill from the city claiming that the money was due by XXXX XXXX. I immediately called NewRez and was told to send the bill to them. I did and heard nothing. On XX/XX/XXXX, I repeated the process with another notice to authorize them to pay the bill. Again, I was told it would take a matter of days. 2 days ago, I called them again and was told it may take up to 30 days to resolve the matter and that the fees, penalties, and interest that may be attached to a late payment would also be my responsibility. 

At no point did we ever agree to have our status switched from lender to owner 's responsibility. They are clearly withholding this money in escrow for exactly that purpose. I have been proactive, calling them the day I was made aware that the bill had not been paid. I am worried about a lien being placed against the house and wonder if I need to have a lawyer on hand
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2025, I noticed a XXXX drop in my credit score. I contacted XXXX XXXX XXXX, provided my SSN and full name, and discovered that another individuals name was linked to my SSN. The representative, XXXX, refused to disclose the name but stated I would receive an email with a form to complete that I did not receive. On XX/XX/scrub>, 2025, I contacted Regional Finance, reported I had not taken out a loan, and was told my SSN pulled up as XXXX due to a number mix-up. They assured me it would be resolved in 710 days and advised against reporting it to the police.I called XXXX XXXX XXXX again and spoke with XXXX, who requested my full name and address. He stated they couldnt verify the borrower and that I must first file a police report. When I mentioned XXXX, he declined further details, explaining that borrowers must verify their identity in person.
Product: Mortgage

RoundPoint Mortgage added force placed Flood Insurance Coverage that was backdated nearly 18 months, leaving a premium due of nearly {$4000.00}. After 7 months, this issue was resolved with RoundPoint reimbursing the Flood Policy Premiums, however I still wanted the NCCOB to be aware of this issue. According to documents, RoundPoint was notified by XXXX in 2018 of a change to our Flood Zone. The County Flood Plain Manager says that there was no change and we have documents to prove that. However, we did move forward with a LOMA application to formally have the home removed from the Flood Zone. After that, RoundPoint removed all of the force placed coverage and premiums. However, I have spent 7 months and over a thousand dollars fighting this issue. RoundPoint is well within their rights to force place flood coverage when appropriate, however the federal law indicates that force placed coverage must be within a 'reasonable time '. I don't find 18 months to be 'reasonable '.
Product: Credit reporting or other personal consumer reports

EXPERIAN shared my credit report with XXXX consisting of derogatory remarks, late payments, & false information leading to possible identity theft and harm to consumer. Adverse action has taken place 15usc 1692e 15usc 1666. Opportunity for equal credit has been denied and my application for an apartment had been denied violating my consumer rights. 12 cfr 1026.13
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
Below is the list of the fraudulent items I found on my XXXX report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX, XXXX Equifax and sent Certified mail Identity Theft Report. About fraudulent XXXX account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX I file a report with FTC.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX Breached its contract and that Breach resulted in the alleged debt of {$470.00}. 

On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders. 

SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights. 

Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending. 

SourceRm XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is Fraud Remove all the of fraudulent Inquiry Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX