23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter at my place of work from Linebarger Goggan Blair & Sampson , LLP located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. This " Notice of Delinquent Tolls and Fees '' claims I owe this legal firm monies on a debt they claim to be collecting on behalf of Mass DOT ( ~ {$80.00} ). ~ {$25.00} of this " dept '' is for " tolls '' and the other {$45.00} is for " fees for non-payment ''. I can wipe my XXXX with {$80.00} and not lose any sleep, I won't be paying these people anything for the following reasons ; Firstly, sending this letter to my place of employment is clearly rodent thuggery and a sign of inbreeding. This is unacceptable and is an act of terrorism/ intimidation. The harassment has to stop and I requested they take me to court. 

Secondly, this debt is predicated on a claim that someone took a picture of my license plate while I was driving on " their XXXX road. This is an invasion of my privacy and this firm has no right to monitor my location or activities. 

Thirdly, assuming this firm is legitimate they should have the capacity to mail the invoice to the location the vehicle is registered. They mailed the original invoice to an address I haven't lived at in XXXX years ... How am I supposed to pay a bill I don't know anything about? Why can't these inbreds check with the XXXX and mail the invoice to the location the vehicle is registered? How the XXXX are they this incompetent? They can figure out where I work to intimidate and harass me but they can't figure out where the vehicle is registered? 

Forth, the legal firm did not provide it's mailing address on the harassment letter. They provided no reasonable method to resolve the claim, only suggested I mail a letter while they continued to harass me, commit credit attacks against me, prevent me from renewing my registration and license ( further efforts at harassment and intimidation ), and accrue more " debt ''. 

Fifth, this entire process is so purposefully inept and ridiculous it has to be done with the intent to scam people and steal money. There is no way this process can be legal and the parties involved should be under federal investigation. Just look at where the money is going in this racket. This is by XXXX, they are being purposefully XXXX just to make an extra dollar running this scam. 

Finally, these inbred trash people need to contact the XXXX and mail me a check for my time TO THE ADDRESS THE VEHICLE IS REGISTERED. This is not the first time this has happened, there are multiple reviews online that tell the same story ( mailing bills to the wrong address and then refusing to resolve the issue ). When will the government take action? How many more people have to deal with this before something is done?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICITIM OF IDENITY THEFT. THIS IS MY OFFICAL STATEMENT ABOUT THE CRIME. I HAVE SENT IN A POLICE REPORT AND AN IKD THEFT IN NUMEROUS ACCUSIONS AND EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE IN CLEAR VIOLATION OF FCRA LAWS. I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACE ON HOLD FOR INORDINTAE AMOUNTS OF TIME. UNDER THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGHTHE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT WITH A WET INK SIGNATURE ON IT, ( COPIES OF COPIES ARE NOT VALIDATION AND BY LAW ARE NOT CONSIDERED PROOF ) THAT YOU HAVE ON FILE FOR THE ACCOUNT LISTED ABOVE. UNDER THE FRCA, UNVERIFIED, INVALID ACCOUNTS MUST BE REMOVED. THE BANKRUPTCY I NSISTS ON REPORTING THIS FRAUDULENT ACCOUNT ON MY FILE.
Product: Credit card or prepaid card

It took citibank months to get my card to my house, I had to cancel 3 or 4 different cards with them cause they kept sending it who knows where. I repeatedly had to call and give my address which they continued to get wrong and refused to actually take any time to see why it wasn't getting to me. They kept blaming my post man. I finally fix that issue and just received my card this passed Friday, it is now Tuesday and I have received XXXX phone calls, about every XXXX hours, until I blocked the number. I am currently sick and it is painful to even have my eyes open, not to mention I simply don't have the money until Friday. If the employees were even relatively competent, I would have had the card long ago and had no problem making the payment on time. Now that they lost my card multiple times, the card is in an overdue status as I require the card number to open the online account. My bottom line being, they took forever to get my card here, there is absolutely no reason they should be harrasing like this to get a payment. They can wait a week for payment, not to mention no other company has ever harrased me like this for any reason.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization, and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$360.00}
Product: Checking or savings account

Had an account with BMO Harris bank in XXXXXXXX XXXX was told my account was {$5000.00} and negative. I have never used this account for the last XXXX years being that I had no longer lived in that state of XXXX at the time this occurred reached out to Bmo And no one has called me back. I have tried to get a fraud alert on my account that was no help. I will also be making a police police report report about this so this will not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX says is nowhere to be found. Experian refuses to allow you past the automated operator. XXXX refuses to take my info or evidence, and XXXX wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.
Product: Credit card

Noticed XXXX statement with a balance of {$16000.00} and no way charged that. Noticed charges for department stores out in another state, XXXX charges that had foreign charges, and consultation fees. Informed Citibank in XXXX regarding all these charges, was on the phone with them for a long time going over every transaction. Received a letter in XXXX that they were investigating. Called back in XXXX to find out status but they kept having to send a code letter to find out anything and every time same answer was being looked at. In the mean time they were expecting a payment on the card every month even though the dispute was not resolved. Have talked with these folks every month and this month ( XXXX ) they are still not giving any details about their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an existing mortgage with XXXX, I have paid EVERY payment, I am current, but XX/XX/2021, I called XXXX to INQUIRE about my options with A.- refinance at a lower rate B.- modify to remove PMI ... AT NO POINT, I asked or AGREED to a CREDIT PULL of any kind, I was NEVER INFORMED that XXXX was doing a credit pull WITHOUT MY KNOWLEDGE or consent... 

and they lowered my score from XXXX very good, to XXXX just good... as a matter of fact I wanted to checks their rates, because I AM SHOPPING around for the best rates FOR ME based on a XXXX score!
Product: Debt collection

I submitted a formal debt validation request to National Enterprise Systems for a debt they claim I owe. I requested for National Enterprise Systems to send me a full, complete and accurate statement that includes my full name and the full account number, proof that the company is the owner or authorized to collect and a clear valid statement from the original alledged owner. 

On XX/XX/year>2025, I received two statements that included inconsistent information, such as different amounts owed and no full account numbers. Additionally, there was no formal documentation to prove that they had purchased or were assigned the debt. I have requested proper validation but have not received adequate proof of the debt 's validity.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Experian credit report and noticed an account with the name XXXX that was not accurately reported. Specifically, it reflects a late payment for the month of XX/XX/2024 that I paid on time. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure all reported information is completely accurate. This account has not been late on payments. 

I have attached a copy of my credit report dated XX/XX/2024 to support my dispute. I request that you investigate this matter and provide verifiable proof with records showing that a late payment occurred. If this information can not be verified, I respectfully demand the payment status be updated to reflect " paid on time '' immediately. 

Thank you for your prompt attention and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the CFPB on XX/XX/18, the case number is XXXX. If you go back to that complaint and look at XXXX response youll see that XXXX responded that the XXXX loan accounts were consolidated, closed and paid in full on XX/XX/18. XXXX also said in that response that they would report the status of my loans to the credit bureaus on the last day of each month. XXXX said, Therefore, we will update the consumer reporting agencies on XX/XX/2018 that your loan account is now closed since your loans have been paid in full by consolidation. The above statement was a lie. XXXX never updated Experian that the XXXX XXXX loan accounts were closed and paid in full. Experian presently shows the accounts as being open so right here in black and white in my CFPB report you can see XXXX lied to the CFPB about updating the credit bureaus that the accounts were paid in full, consolidated and closed. XXXX is doing this out of Spite and from XXXX response they have no respect for customers or the CFPB. XXXX blatantly lied in the response. It is almost XXXX and XXXX has yet to update Experian that the XXXX XXXX accounts are closed. I submitted/uploaded evidence from the CFPB response that XXXX sent stating the accounts would be reported consolidated, paid in full and closed on XX/XX/18 but XXXX still hasnt updated Experian and I submit a complaint about it everyday and XXXX has yet to fix the problem and Experian refuses to allow me to dispute the item not to mention Experian treats me like a liar when I state nothing but truth and facts. Experian said they believe XXXX because XXXX pays them. Why are XXXX and Experian allowed to lie to federal agencies without any consequences?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid in full and agreed to remove negative reporting from my credit report. The company is still reporting on my credit and is stating that I paid less than the full balance. I have letter from the company, emailed to me by XXXX XXXX emailed to me on XX/XX/XXXX. I paid {$950.00} on XX/XX/XXXX. The letter was signed by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It has recently come to my attention that an account the CKS PRIME INVESTMENTS has been collected illegally due to not having a licance to collect in the state of XXXX. This account has been disputed multiple times and nothing has been done to delete this account from my current credit report. My current credit report is being negatively impacted by this and i urge you to reinvestigate this account and delete to become current.
Product: Debt collection

Services received by my son from XXXX XXXX during period that my son had full coverage from medical with XXXX copy. When I discovered that this was a charge now sent to collections that was not my responsibility. I tried several ways to resolve this. I faxed a letter from Medical stating coverage start date and proof of coverage during the visit that was wrongfully placed as my debt. I spoke on the phone to XXXX and XXXX and was asked to fax proof of.coverage. I made a copy and did just.that. I am suffering from this collection account, Medical may have made a mistake.or the billing department from the clinic. I want this to be completely erased from all XXXX credit bureaus. Thank You, XXXX XXXX
Product: Debt collection

On XX/XX/2018 I sent a letter to the company stating that they were Inaccurately Reporting to Credit Bureaus’ XXXX and XXXX by showing that the account was still actively "open". When the account shows open this creates a derogatory reporting every month. The reporting shows that the account was included in the BK but still shows "open"
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and Equifax credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have occurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I have had a primary mortgage with XXXX XXXX and we received notice it was transferring mid XXXX from XXXX XXXX to Specialized Loan Servicing LLC. We did not receive a payment coupon from Specialized Loan Servicing LLC. We called the company requesting a new loan number, # XXXX and sent a payment postmarked on XX/XX/2021. To date, we have still not received a payment coupon or any paperwork from Specialized Loan Servicing LLC. 

We had sent a copy of our XXXX XXXX XXXX  previously along with payment to Specialized Loan Servicing. 

Since this is our mortgage, this makes us understandably nervous. We would like payment coupons and timely acknowledgement of payments. 

XXXX XXXX XXXX
Product: Student loan

I have a student loan with MyFedLoan.org. I am in the XXXX and have been for almost 5 years. I 've always paid my monthly loan on time. Every year MyFedLoan requests that I submit my pay stubs so that they can calculate my monthly payments, and up until 4 months ago I and neither has MyFedLoan had an issue with my financial documentation. Now, they are telling me my paystub is invalid, illegitimate, and can not be used because it is not the same as the paystubs from the other XXXX branches. Now they have me paying a very high monthly payment that I in-fact can not make because somehow they were able to obtain my yearly income, which is very off from I 'm actually making, and thus causing the high monthly payment. I 've contacted them very many times and tried providing other types of financial documents, but they persist they can not help me or do anything about it. It is almost to the point where they wont even pick up or answer my calls. I was told my case went before a board of advisers for review, but they denied my petition. So here I am reaching out for help, desperate to get a low monthly payment and hopefully not have to worry about this. I have too many worries at work with the XXXX and this should be the least of my problems. Thank you for hearing me out and for your help. If I could I would stop using MyFedLoan service to pay my loans. Thank you once again and have a nice day.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to read this complaint. I'm sure you have many complaints sent to you, so I'll try to make this brief. I attempted to dispute a 30-day late payment on my mortgage that I don't believe is really my fault with XXXX, XXXX, and Trans Union back on XX/XX/XXXX. I never heard anything from any of the companies. I figured maybe the mail got lost or something. 

On XX/XX/XXXX, I try again, only this time I send them in certified to keep track of the mail. I also sent it certified as I sent a copy of my license and my social security card, and I wanted to make sure my info got to its destination safely. This time I got a response very fast. Unfortunately, it was just notices saying they wanted me to send them more info or that the companies don't think it was sent by me or an authorized representative. 

I don't know what's going on, but I was under the impression credit bureaus were obligated to ensure my credit report was accurate upon request. Why am I having to wait more than 4 months to simply be told something along the lines of " we don't think this is from you, so we aren't doing anything. '' I'm not about to waste time or money sending them a third notice so they can do what I asked them to do back in XXXX. They need to investigate the XXXX XXXX account as I do not believe the 30-day late payment is correct or that it is my fault. Please help me to obtain an investigation on this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/2020 regarding an inaccurate account on my credit report. They never replied. I sent a second letter on XX/XX/2020. Still no reply. It has been more than 60 days. They must fix or remove the account because it has been more than 60 days. Experian is in violation of 611 ( a ) of the fair credit reporting act. I sent my proof of identification with both letters so do not say its not me.
Product: Credit reporting or other personal consumer reports

Equifax Stated in their response ( attached Below ) that they Verified a Bankruptcy and I quote '' this information is often obtained from a medium ( ie.Paper records or a computer data base prescribed by the source of the information ( IE. courthouse or other government Entity. ) I have provided proof that the information was never reported to any vendor, or credit reporting agency. If the information was never reported directly from the source then how can you verify information that was never given from the actual source? 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure accurate reporting and limit the purposes for which consumer reports are furnished. Equifax are not meeting these standards. 

Finally, pursuant to 12 CFR 1016.7, I exercise my right to opt out of your reporting services effective immediately. 


I insist on your strict compliance with Metro 2 reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 
The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilize

d a XXXX XXXX XXXX ( XXXX ) or an automated dispute verification system. A detailed description of the reinvestigation procedure, including th
e steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).
Product: Credit card or prepaid card

We have an account with XXXX XXXX. The account card company is Genesis FS Card Services. They have recently bought the XXXX credit card. We get a bill and our due date is the XXXX of every month. We pay it on or before the date, a day or so early. We noticed we are charged a {$30.00} late fee every month. When we called we were told that if you don't pay it 5 days before the due date you are charged a late fee because it takes 3-5 days to process. Why have a due date then? Also, we did not have this problem before the buy out. They told us they have zero grace period either. I want everyone to know that Genesis is a scam. It's not XXXX 's fault totally but being charged XXXX every month when paid on time is outrageous. 
Thank you for your time.