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

To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute the accuracy of information contained within my credit report, as provided by your agency. Upon thorough examination of the report in question, I have identified several discrepancies that necessitate immediate rectification to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( TransUnion ) ; Not specified ( XXXX ) ; Not specified ( XXXX ) Current Balance : {$1000.00} Credit Limit : {$1200.00} Discrepancies : * Inconsistent Account Closure Date : Discrepancies exist regarding the reported closure date of the account. While TransUnion denotes the account 's closure as transpiring on XX/XX/XXXX, XXXX and XXXX fail to specify a definitive closure date. 
* Varied Payment History Reporting : * TransUnion : No instances of late payments are documented. 
* XXXX : Late payments are recorded, including XXXX payment XXXX  days late, XXXX payment XXXX  days late, and XXXX payments XXXX  days late. 
* XXXX  : Late payments are documented, showcasing delinquency spanning various durations - XXXX, XXXX, XXXX, XXXX, and XXXX  days past due. 
* Discrepant High Balance Reporting : XXXX reports a highest balance of {$1200.00}, while TransUnion and XXXX do not provide analogous information. 
Moreover, it is imperative to note that the validity of this account 's reporting has not been appropriately verified. The accumulation of these inaccuracies has had a profoundly deleterious impact on my credit score, thereby impeding my ability to meet personal and professional obligations and access requisite financial resources. Consequently, I hereby demand the expeditious removal of this account from my credit report in fulfillment of your statutory obligations under the FCRA.

I beseech your immediate attention to this matter and request that a thorough investigation be conducted to rectify the aforementioned discrepancies. Subsequently, I anticipate the issuance of a revised credit report reflecting the accurate and rectified information consequent to the resolution of this dispute.

Please be advised of your legal obligations pursuant to the FCRA to ensure the veracity and integrity of information contained within consumers ' credit files. Your compliance with these obligations is not only imperative but legally mandated.

I appreciate your prompt attention to this matter and await confirmation of the resolution forthwith. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax.com states that I tried to log in too many times and locked my account. I telephoned working with their customer service representative to verify my personal information and asked that mycredir file be unlocked. The CSR asked me to check if a VPN was in effect on my mobile device. There is no VPN on my mobile device in effect. I asked a fraud alert be placed on my credit file with Equifax.com. The CSR placed a fraud alert on the credit file effective one year or until I ask it be removed. 

I reset the password. Still the website is not allowing meto access my credit file Similarly my credit score with XXXX XXXX XXXXXXXX XXXX was dropped some XXXX +points over a less than one week period of time for unsaid reason. I checked my information for my personal checking account with XXXXXXXX XXXXXXXX and it said something like credit ratio to credit charges due imbalanced above XXXX XXXX XXXX 

I have 2 credit cards. The credit card in question I paid thern the entire balancedueof slightlyless than {$200.00} or I remitted {$190.00} last week. I used the card flowing payment and that's thereSon that is written on my XXXX XXXX credit file and then XXXX dropped the credit score to XXXX. 

Equifax I was told the day before yesterday has prevented my being able to get acreditapproval to relocated an apartment from a hotel room where I have bern calling it home now plus 8 yearshere in XXXX XXXX XXXX XXXX XXXX. This is collusion to keep my down this way andu fair treatmentof a customer and client. Simply it is an unfair situation where I played above board fair with both XXXXXXXX XXXX and Equifax com.
Product: Checking or savings account

A couple of months ago or so I called Midfirst Bank of Oklahoma to inquire about opening a new checking account that offers a {$300.00} cash bonus for doing so. I talked to a XXXX and we went over the eligibility thoroughly a couple of times. 
She told me I could be eligible for all of this by applying online from XXXX, Arizona even though there are no Midfirst banks in this area. The closest one is in XXXX, Arizona, which is one hundred miles away. She assured me that I don't have to go into a branch to apply and get the bonus. 
I have applied several times over the time frame I mentioned above and I get a message stating the application can't be processed. It said nothing about being denied or approved. 
Their online banking department told me it could be a system issue on their end and to try to apply later, which I did. They never told me I was being denied, but that it may be a technical problem according to the message after submitting the application. I talked to several online banking employees and customer service representatives who told me the same thing and they didn't know what was going on. 
Then on XX/XX/XXXX or XXXX, XXXX, { I can't remember the exact date } after applying one last time and failed, I called them again and now they are telling me I must go into the branch to apply and it maybe a denial. 
I don't have a vehicle to drive one hundred miles to the branch and I take the city bus. 
This is not fair to get my hopes up and then have no option to help me from XXXX, especially during this virus situation where some bisnesses tell you they are there to help. And I could use the money since I only get about {$800.00} a month for Social Security. 
Thank you for anything you can do. 

Sincerely, XXXX XXXX XXXX XXXX XXXX }.
Product: Debt collection

XX/XX/2020 Received a voicemail from the representative, returned the phone call. Transferred to " compliance '' person. The collector on the phone was named XXXX, I was looking for more information on the debt in question. Throughout the conversation the representative repeatedly accused me of fraud, said based on how I pay my bills and credit history I was guilty of fraud. He also accused me of securing a loan and closing my bank account to commit said fraud- accusing me of criminal activity. I asked him not to be presumptive, but he continued to accuse me of fraud. Unable to continue the conversation, I asked to have the documents sent to me and not be contacted further. I believe it is against my rights in to be accused of criminal activity in an attempt to collect a debt.

I also received two personal phone calls, two phone calls to my employer, and three emails regarding this issue.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my credit report remains unresolved despite my numerous efforts to address it. The inclusion of these items has profoundly and negatively impacted my life, causing me XXXX XXXX XXXX XXXX It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Debt collection

I received an collection letter on XX/XX/2025 dated XX/XX/2025 for a debt that was paid XX/XX/2025 by rmg to XXXX XXXX. I confirmed with them over the phone that the payment was received and nothing is owed.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order for a new XXXX XXXX  XXXX phone under a trade in promotion where I was promised to get a {$200.00} credit for trading in my old phone making the cost of the phone {$650.00} ( {$850.00} minus {$200.00} credit ). Concurrently with this purchase I applied for a XXXX TD Bank card which would allow me to pay the phone in interest free installments. 

On XX/XX/2018 I received an e-mail from XXXX saying I was being charged an additional {$170.00} because the phone I traded in was not unlocked. That is a complete and utter lie as I traded both my wife and my phone together and did the same factory reset on both ( and then checked before sending them in ). This issue only happened with one phone. 

Upon contacting XXXX on XX/XX/XXXX I was told they would investigate and get back to me within two weeks. After not hearing back and contacting them again XX/XX/XXXX I was told the case was still being looked into. Frustrated with no progress and what seemed to be empty promises of actually looking into ANYTHING I contacted TD Bank to dispute the charge. 

On XX/XX/XXXX TD Bank sent me a letter saying they looked into my dispute and basically quoted XXXX 's original lie verbatim and for me to contact XXXX again which I did again today XX/XX/XXXX but  basically got nowhere with them. 

So in summary XXXX claims my phone was not unlocked but can't provide any evidence to back up that claim. They refuse to return my old phone so I can check this issue myself and TD Bank is just repeating what XXXX is saying. I'm not sure on how many more customers they are playing this game where they basically claim to give you a credit and then just steal your phone.
Product: Mortgage

I have a Helco that will set next month to more than what I am currently n. I CAN NOT afford this new payment each month! My circumstances have changed significantly now I am permanently disabled and unable to work as explained in complaint # XXXX Ditech sent another letter this past weekend reminding of the payment again. Ditech is s servicer of an investor that participated in the TARP program, acquired my loan from a predator lender. Ditech participated in the Making Homes Affordable but failed to reach out to me when I was eligible for the program ( s ) as suggested by OCC. <P/>It is now inevitable I will default as my monthly mortgage expenses are more than my income after taxes due to a recent change. This investor is not primary lien holder and may not satisfy the debt after legal fees and statutory government fees I will end up being put out with no money.
Product: Vehicle loan or lease

I had gotten into a car wreck to where I couldn't work I just went to XXXX 3 days a week. I informed XXXX about it. Needles to say the XXXX XXXX XXXX was repossessed and sold. XXXX got their car back and got money when they sold it. SeemS like this contract should be null and void.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX XXXXXXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a collection in the amount of {$2300.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I have never rented property from XXXX. This account has clearly been added to my credit report in error with incorrect information and needs to be deleted from my credit report. I have contacted XXXX XXXX XXXX directly to address this as well as the credit bureau however, I have not been successful in getting this item removed. This incorrect reporting is harming my credit score.
Product: Debt collection

I am filing this complaint due to inaccurate and potentially deceptive reporting of an account by Resurgent Capital Services. Specifically : The account status is reported as charged off with a balance owed, despite my dispute of the debts validity. The dates of last activity are inaccurate and potentially violate the statute of limitations for reporting. Applicable Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Requires investigation and correction of inaccuracies upon notice of dispute. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false or misleading representations in debt collection. Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73 P.S. 201-3 : Prohibits deceptive practices in business operations. Steps Taken : I sent a formal dispute letter to Resurgent Capital Services requesting : Validation of the debt, including original creditor information and proof of ownership, under 15 U.S.C. 1692g ( b ). Correction or removal of inaccuracies in reporting. Cessation of reporting this account until the dispute is resolved. To date, I have not received adequate documentation or a resolution, and the inaccurate information continues to harm my credit standing. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 623, Resurgent Capital Services are required to provide accurate and complete information to the credit reporting agencies and to investigate disputes regarding the accuracy of the information they furnish. I believe the information Resurgent Capital Services have reported about this account is inaccurate and must be corrected or removed immediately.
Product: Mortgage

Addendum to previous complaint mortgage lender still taking a lump sum for flood insurance when they have been notified constantly it is in the condo master policy, isnt this a violation of : ii ) Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( XX/XX/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( XXXX ) of the estimated total annual payments from the account. However, if a servicer determines through an escrow account analysis that there is a shortage or deficiency, the servicer may require the borrower to pay additional deposits to make up the shortage or eliminate the deficiency, subject to the limitations set forth in XXXX ( f ).
Product: Debt collection

Continuous calls from Cooper Hauffman & Klein. I have been ignoring their calls for months after my request for a debt validation letter was ignored. They continue to call and harass me multiple times per day. They use foul language, threatening tactics and will not stop despite my verbal request that all communication be by postal mail.
Product: Debt collection

On XX/XX/XXXX I sent a cease and desist letter to World Finance in XXXX, AL pursuant to my rights under the Fair Debt Collection Practices Act. The cease and desist requested that communication with me, as well as my family and friends cease in relation to any debts that the company alleged that I owe. Prior to sending the cease and desist I was contacted at my place of employment multiple times, in which I advised that I can not accept personal calls during working hours. The calls continued. On XX/XX/XXXX another family member was called. I then called World Finance in XXXX, AL advising them of the cease and desist that was sent - I also asked that they cease communication with me again. XXXX of World Finance again called me at XXXX XXXX  on XX/XX/XXXX via cell phone, and XXXX XXXX  on XX/XX/XXXX at my place of employment. I am well aware of the remedy and legal action that can be taken against debt collectors for the violation of consumers right, in this case my rights have been violated numerous times by the harassing behavior of this company. It has caused stress and turmoil to me at work, as well as stress to my family members for repeatedly being called after they asked not to be contacted anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing an incorrectly reported item on my credit report with TransUnion an XXXX/XXXX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XXXX/XXXX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XXXX. They sent me another credit report on XXXX stating the item was validated, updated as such and remains on my credit report. On XXXX I called TransUnion and spoke with a man named XXXX. I asked him what documentation does TransUnion possess to prove that this is indeed my debt? He responded by telling me we do not have anything nor are we required to maintain any documentation.? I told him that TransUnion is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. He told me there is nothing he can do for me except file another dispute. TransUnion has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a mortgage.
Product: Debt collection

First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check.
Product: Mortgage

I am submitting this formal complaint against Freedom Mortgage regarding a Loan Account, which has been placed in active foreclosure. Despite my legal and documented efforts to resolve this issue, Freedom Mortgage has failed to properly address my concerns, resulting in severe damage to my credit and financial well-being. 

Background Information : Divorce Agreement and Quitclaim Deed : My divorce decree, finalized in XX/XX/XXXX, awarded sole ownership of the property associated with the loan to my former spouse, XXXX XXXX XXXX, who was also assigned full responsibility for the mortgage debt. This is documented in the divorce decree ( attached, see page 4, section 4.2 ). 

In compliance with the divorce decree, I executed a Quitclaim Deed in XX/XX/XXXX, officially relinquishing my interest in the property ( attached ). 

Missed Payments and Foreclosure : Payments on the mortgage ceased in XX/XX/XXXX, leading to the loan entering active foreclosure due to the co-borrowers failure to meet financial obligations. 

Despite my repeated attempts to assist in resolving the delinquency, the co-borrower has failed to comply with any loss mitigation plans and has remained unresponsive. 

Incorrect Address Change : Freedom Mortgage has allowed the co-borrower to change the mailing address on the loan account to my personal address, despite the fact that I have no legal or financial obligation to the property. 

As a result, my former spouse has not received critical communications regarding the foreclosure and loss mitigation options, further exacerbating the issue. 

Request for Name Removal : I have submitted all necessary documents, including my divorce decree and quitclaim deed, demonstrating that I no longer have any legal or financial interest in the property. 

The co-borrowers noncompliance and Freedom Mortgages inaction have left me unable to remove my name from the mortgage, despite my good-faith efforts. 

Consumer Protection Concerns : Failure to Remove My Name from the Loan : Despite legal documentation proving my release from the property, Freedom Mortgage continues to hold me liable for a loan I am not legally responsible for. 

Address Mismanagement : The incorrect address change has obstructed proper communication, potentially violating consumer protection laws regarding fair notice and accurate record-keeping. 

Unwarranted Credit Damage : The foreclosure process and missed payments, which are not my responsibility, have severely impacted my credit score and financial standing.
Product: Vehicle loan or lease

MONTH REPORTED : XX/XX/2020 AS A PAYMENT-BY-PHONE CUSTOMER, I CALLED ON XX/XX/2020 AT XXXX EASTERN TIME AND WAS PUT IN QUEUE WITH A CUSTOMER SERVICE REPRESENTATIVE WILL BE WITH YOU SHORTLY. 

I WAITED FOR TWO HOURS AND 16 MINUTES LISTENING TO THE RECORDING AS I HAD CALLED IN BEFORE CLOSING HOURS ON THAT DAY. 

I WORK FOR XXXX XXXX AND WE DO NOT GET PAID UNTIL THE END OF THE MONTH SO I MUST WAIT UNTIL MY PAYCHECK ENTERS MY ACCOUNT BEFORE CALLING INTO CAPITAL ONE. I HAVE BEEN DOING THIS FOR MANY MONTHS. 

BECAUSE OF A PROBLEM IN THE CAPITAL ONE PHONE SYSTEM CAPITAL ONE AUTO FINANCE REPORTED MY PAYMENT LATE AND MY CREDIT SCORE DROPPED 35 POINTS. 

I WOULD LIKE THIS DEROGATORY ENTRY REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE RESTORED BECAUSE OF THIS OBVIOUS PROBLEM WITH THE CAPITAL ONE PHONE SYSTEM ON THE DATE STATED. 

MY SUPPORTING DOCUMENTATION IS THE SCREENSHOT OF THIS OCCURRENCE AND CHAT WITH CAPITAL ONE ASSISTANCE VIA XXXX. PLEASE NOTE, THEY TOOK DAYS TO REPLY WITH A SOLUTION. CHECK DATES ON ATTACHMENTS.
Product: Checking or savings account

I Opened a merchant dispute under the case Id XXXX with my bank on XX/XX/XXXX, for XXXX transactions due credit not processed. During all of this time the bank didnt request any information from me and the claim was denied on XX/XX/XXXX. On XX/XX/XXXX I sent the documentation to the bank to reopen the case, the XXXX refund receipt with the stamp of the store and the email with the store confirming that they accepted the return and issue the refund but was never posted to my account. 
I called again to the bank today XX/XX/XXXX but they said there is no sufficient information to support my case, So I need what the bank wants to proceed with the chargeback. She couldnt provide that information and the only solution is to put a call back request something that doesnt work because im not in the USA .
Product: Checking or savings account

I requested to turn off the overdraft service, and I continued to get overdraft fees, I requested a refund and they could only refund a partial amount. They said this was a one time courtesy and they could not refund the total amount because the system does not allow it. Ive had XXXX overdraft fees charged in the last XXXX months, and while theres money available in another account linked to that one, theyve still been charged. Charges are for {$35.00} regardless of how small ( some are {$5.00} ) the purchases were.