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

On XX/XX/XXXX someone open a account in my name I reported it as fraud XXXX they did not remove this account I dispute it before they close the account but never remove it from my credit bureaus. 

I have a old account from XX/XX/XXXX I dispute thats not off my credit report that wasnt me either
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and sent XXXX certified letters to XXXX Bank regarding an incorrect missed payment report, but they have failed to take proper action. Despite disputing the inaccurate information with Experian, XXXX only added a false statement in the comments section that the missed payment was due to a natural disaster, rather than fixing the issue. 
I made a payment of {$250.00} on XX/XX/2022, and have enclosed proof of payment and bank statements that were sent to XXXX Bank. I have now disputed this for the fourth time with Experian and also with XXXX and XXXX. XXXX corrected my payment history with XXXX to reflect timely payments, but XXXX 's investigation is still ongoing. My main concern is with Experian, as they have not properly investigated the report despite being provided with the XX/XX/2022 payment amount and dates from my bank statement. 
This is the second time that XXXX Bank has reported a false missed payment on my account, which I have had to dispute. I have never faced such issues with other banks, only with XXXX Their refusal to correct the incorrect information and own their mistakes raises a major concern.
Product: Checking or savings account

As early as XX/XX/scrub>, 2025, Capital One experienced a widespread outage that prevented direct deposits, including mine, from being processed. I usually receive my paycheck early on Wednesdays, but this did not happen, and the issue persisted through XX/XX/XXXX. This has caused financial hardship as I need these funds to pay bills and meet immediate obligations. 

I contacted Capital One customer service multiple times but received no clear resolution, timeline, or acknowledgment of the full impact of this outage. The company has also failed to provide transparency or offer compensation to customers affected by this disruption. 

This situation has caused significant stress, delayed payments, and the potential for late fees. I request immediate resolution, compensation for any financial harm caused, and improved communication from Capital One to its customers during future incidents.
Product: Mortgage

I have a mortgage with Ocwen Loan Servicing on a house in XXXX Louisiana. XX/XX/XXXX, XXXX Louisiana experienced massive flooding. My house in XXXX was flooded. It took me several months to secure a disaster relief loan, but I finally recieved XXXX and began to renovate the house. Today ( XX/XX/XXXX ) my contractor called me to state that he could not get into the house because a company called XXXX put lock boxes on the doors to the house!! I called XXXX and found out that they are a restoration company and a subsidary of Ocwen Loan Co. They claimed that they have been going by the house and it is " unoccupied ''. The house is unoccupied because it is being renovated by my contractor after being flooded! I am currently 2 months behind on my rent due to extenuating circumstances, but I will fully catch up this month. Ocwen has violated the laws in several ways 1 ) They NEVER contacted via email OR mail to ask me the status of my property. 2 ) They house is NOT in foreclosure. It is still my legal property and they had no right to put any thing on my property without my consent 3 ) The house is not abandoned, it is actively being renovated after flooding. 4 ) I am simply two months behind, they have NO RIGHT to do anything to property that is not legally theirs.
Product: Debt collection

Harris & Harris Ltd. 

On XX/XX/year>, around XXXX XXXX  I called XXXX regarding an account that I received a collection for that is attached to an address that I do not currently and have never lived in. The address for the fraudulent account is in XXXX, GA. I have never lived in XXXX, Georgia. 

After I provided my account number the representative confirmed there was nothing on that showed her that my account was sent to collections and transferred me to the security team. While speaking with the security team I had to submit the account numbers for both myself and the account number listed on the collection notice that I received. 

The security team let me know that a payment was made but declined under account number XXXX. This is not the account number for my checking account. 

The security said that he updated his notes to reflect the incident and that I must have received a misrouted call and my account is not in collections. The agent also stated that he requested that my phone numbers were removed from the incorrect address and Customer Solutions would have my updated information. 

On XX/XX/year>, at XXXX XXXX  I received a call from Harris & Harris, asking me about payment in collections. I explained to the rep that I did not now, nor have I ever resided in XXXX, Georgia. The rep explained that the account was open from XXXX to XXXX I believe. I have been at my current address for years. The rep asked me several questions and I told her I was hesitant to give the information because I had given it to someone previously and they clearly had not communicated to the Collection agency. After speaking with the rep she said she was forwarding me to the security team at XXXX. 

While speaking with the team at XXXX, I went through the same issue where they wanted my information but could not explain to me why they had no notes of my previous call. The call went in circles, and I ended the conversation due to not having any way to verify who I was speaking to was an actual person that could help. 

Later that afternoon I went to the Harris & Harris website and requested proof of the debt belonging to me and had not heard anything back or even received an email. 

Harris & Harris did not take any measures to verify the debt they are collecting on for an address that does not belong to me and has not provided any information validating the date although I completed the form on their website. I am requesting that the incorrect collection is removed from all of my credit reports as it has negatively impacted my credit score which has implications on anything I would need to do with my finances going forward.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted XXXX in regards to erroneous information on my report as I was trying to buy a home. I provided information for accounts that had been paid, accounts put in my name that were not mine that I paid anyway. XX/XX/XXXX, I provided XXXX information for accounts they are showing again me that were paid by a Workers Comp Claim. To this date XX/XX/XXXX, XXXX refuses to update the information. Currently they are even showing I have 4 accounts with negative information but they are only reporting 3 accounts with negative information which is still erroneous information being reported. I have become homeless due to these mistakes and at this time will seek Attorney. I have all documents which have been given to XXXX over and over for years now! The also refused to update my credit score with XXXX XXXX accounts reported to them per my creditors.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXXXXXX Account Number : XXXX Balance : {$3600.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers!

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ...

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries on my XXXX report that I have no knowledge of and did not authorize any of these inquiries.
Product: Credit card or prepaid card

I was in Sams club and a club employee came to me asked if I was interested in receiving store rewards. She proceeded to ask what kind of card I had and she could see what additional rewards I could receive. I gave her may name and she looked up my membership and she asked that I put in my social security number. When doing so she said congratulations you have been approved. At that point I looked at the XXXX and noticed it was for a credit card. I told her that I didn't want a credit card. She said, well you were approved. I explained that I didn't want it and she said when the card comes in just cancel it. I told her to cancel the transaction and she showed me were she went back and answered NO to several questions and she stated that it should be okay. By the time I got to my vehicle I got a notice from XXXX XXXX that my credit was ran. When I got home I called Sams credit card company and they notified me that I was approved for XXXX. I requested them to cancel the card immediately. 
The Sam 's associate was very misleading and I am in the process of refinancing my home and her actions can can result in me not being able to get a loan for my home.
Product: Debt collection

XXXX XXXX XXXX, XXXX Has put a collection on my credit report I dont know this company I do not owe this company any money this collection isnt mine. I got in contact with XXXX XXXX XXXX, XXXX and they didnt have any record of me in there files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA section 807 Violation False or misleading representations. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I am seeking litigation. Please delete at once. 

2. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. You are in violation of XXXX XXXX code XXXX XXXX g XXXX medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing this complaint against Professional Account Management , LLC for their failure to provide proper validation of an alleged debt related to toll violations. Despite my request under 15 U.S.C. 1692g, their response only included photocopies of my license plate and a statement of fees, which do not meet the requirements for debt validation. I sent a notice via certified mail tracking number XXXX XXXX XXXX XXXX XXXX. 

Additionally, the company accessed and disclosed my private license plate information without my consent, a potential violation of my rights under 15 U.S.C. 1692c ( b ).

Some of the violations I have noticed from their communications are including, but not limited to : Failure to provide proper validation of debt, including itemized charges and proof of assignment, Unlawful use and disclosure of personal information, specifically my license plate, without consent, and continued collection activity on an unvalidated debt, including failure to cease communication as required under 15 U.S.C. 1692c ( c ).
Product: Checking or savings account

On XX/XX/XXXX of the current year 2022, I submitted a request for a Business Line of Credit to MY bank Navy Federal Credit Union. After an extended review period, I was informed that in order to receive final approval the application required a standard letter of good standing with the state of Massachusetts because MY bank incorrectly characterized MY previously established business EIN as a Corporation rather than a sole proprietorship LLC. Regardless of the bank error, a letter of good standing was provided for Custom Care and Coach. Once received by the bank, all of MY accounts were closed and to date, MY sole proprietorship status ( although previously recognized for over ten years ) accounts are denied restoration regardless of any supporting documents supplied by either the XXXX of XXXX or the XXXX of Massachusetts.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights XXXX Or list of inquiries 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying  this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

I was first restricted from using my XXXX account and Spending account on Robinhood on XX/XX/year> ; this was the first sign of my account being restricted. On XX/XX/year>, I confirmed the restriction of my account. I contacted Robinhood for clarification ; they needed me to verify my information. I had verified and was again reminded I was indefinitely restricted from using Robinhood and reaccessing my funds. Case number # XXXX with Robinhood Support : I would contact back and forth regarding verifying. I replied with an extended summary of my inability to reaccess my account. This case lasted until XX/XX/year>. I would find myself relentlessly contacting various times with Robinhood support. Still, I could not because the app does not include live support for people who are restricted from Robinhood. Both my XXXX account and spending account were limited. There's {$2300.00} in my XXXX Account on Robinhood, then {$72.00} in my spending account. I can't access either of these accounts. Every time I contact Robinhood, I can not find a valid reason why I was indefinitely restricted, and it's the same response every time I open a case with Robinhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to TransUnion Here are my tracking numbers, XXXX XXXX According to the law 15 U.S Code 1681a- Definitions, rules of construction. 

The term 'investigative consumer report ' means a consumer report of portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer. 

I would like to know who they talked to? 

How did they complete this investigation? 



In the dispute letter I asked for A copy of the original application must be sent with the results of this dispute investigation, that also include my electronic signature. With the results of this investigation, I want a copy of the full payment history from the original creditor, and I want a copy of the original purchase agreement that shows that the creditors can legally collect this alleged debt with the original creditors name and address. 

They did not send the information or documentation that was asked for and needed to prove they did a real investigation on the accounts listed in the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation that Experian, XXXX, and XXXX have been sharing improper accounts on my credit report. They are in violation of code section 609. 

Experian is reporting inaccurate account : XXXX XXXX XXXX XXXX is reporting inaccurate account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate account : XXXX XXXX did not get my consent to share on my report ( PLEASE REMOVE ), XXXXXXXX, and XXXX XXXX
Product: Debt collection

This company continues to call me on my personal cell phone. I have been really sick and they just continue to annoy me. I realize I 'm owing them money, but they are not going to get it any faster by annoying me with countless phone calls. They are calling in the morning. They are calling me while I 'm shopping in a store. They call at dinner time. All through the day! I want my personal cell phone number removed from all creditors. I am unemployed and I am doing the best I can with my bills. Please make them stop! Thank you!