23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep recieving calls to collect a debt for someone that use to have this telephone number. I am not that person and do not know them yet I keep getting calls.
Product: Checking or savings account

Discover closed my Cashback Debit account out of nowhere. I had my rent money in there and when I called to see why my card was declining, they let me know that they closed my account and couldnt give me any reasons why. Im facing possible eviction now and they expect me to just sit here and wait for 60 days to receive my funds to come in the mail.
Product: Checking or savings account

XXXX XXXX was transferred from one of my accounts to another w/o my permission Want my funds transferred back
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have failed to provide me with any documentation as required by law with my signature or proof validating that I owe them for this debt. Below is a copy of the letter I sent to all three Credit Bureaus With none of them showing any proof other than they say it is so. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX Validate Account XXXX XXXX XXXX  * Please remove all non-account holding inquiries over 30 days old. 


Thank You, XXXX
Product: Mortgage

PennyMac Loan Services , LLC, since the start of the Pandemic, has totally removed and or now removing online access or web-based access from service members or civilians to make monthly payments to their mortgages, demanding that member have to call in and make payments over the phone.This removal of access or retaliation began when the Covid-19 Mortgage Relief programs and if you were approved for any state assistance, PennyMac is restricting your access or ability to make monthly payments to mortgage accounts. I am utterly disgusted and frustrated at these mortgage servicing companies arbitrarily dictating how when and where a homeowner should make his/her payment. After trying for XXXX days to make my payment I finally called them today XXXX XX/XX/2023. Initially I thought I had something wrong with my electronics, the recordings stated they were experiencing high volume calls, long wait due to system upgrade/updates. Upon conclusion of that call I told I realized that this was the reason. As a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) I travel a lot for XXXX and don't a cellphone access as times to be calling and the waiting times are from XXXX minutes or more. I applied for a little assistance to the said mortgage relief program. I was informed by the representative that I was approved and that is why I am restricted to continue to making my monthly payments online ( I have no late or missed payments ). She initially stated that the program required this restriction. I further refuted that blame as read the requirements of the program to her and it mention nothing of the sort. She went on defending the restriction stating that If I want have this ability restored, I needed to cancel my enrollment and approval for support into the State Mortgage Relief Assistance program. This is straight retaliation towards folks who apply to programs to keep their homes. This is crippling the flexibility and access to make my monthly payment if I am not able to make a call while on military travel. Totally unacceptable.
Product: Credit reporting or other personal consumer reports

I pulled my three bureau credit report XXXX XX/XX/year> and noticed your company is unlawfully reporting inaccuracies to my credit report. These inaccuracies have already been brought to your attention and the attention of the credit bureaus one month ago with no corrective action taken.

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX has violated my rights and should not be reporting. 
As stated in the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per 15 USC 1681e ( b ). However, these accounts remain despite their inaccuracies, showing that those procedures were not followed.

Furthermore, under 15 USC 1681i ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item accordingly. It also requires them to notify the furnisher that the information has been removed. This was not done in this case.

Additionally, 15 USC 1681s-2 clearly states that no person shall furnish any consumer information to a reporting agency if they know or have reasonable cause to believe the information is inaccurate. The continued reporting of these accounts, even after they were disputed, is a direct violation of this provision.

Lastly, 15 USC 1681b ( a ) ( 1 ) prohibits anyone from furnishing consumer information if they know or should reasonably know it is incorrect. Despite multiple disputes, the inaccurate accounts remain. This failure to comply with federal law needs to be addressed immediately.

I am requesting an immediate deletion of these accounts due to violations of my rights under the FCRA. Please investigate and take action as required under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have reached out to the following Credit Agencies on 2 separate times stating the following : On XX/XX/XXXX & XX/XX/XXXX See below companies and exact requested verbiage : XXXX  XXXX  Equifax XX/XX/XXXX letter : After reviewing my credit report, I noticed several accounts on my credit report that was either reporting incorrectly or I simply have no knowledge of. I have listed the account information below and the suggested outcome of each account. 

XX/XX/XXXX letter : Dear Credit Reporting Agency, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. As of now, you have not responded with the results of your first investigation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SOME FRAUDULENT ACCOUTNS LISTED ON MY CREDIT REPORT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 60

2 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose. 
XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I recvd a call from XXXX XXXX  XXXX XXXX XXXX stating that she was calling from XXXX  court processing and summons district and that I needed to verify my information for legal documents do to fraud ... I hung up cause I know you are misrepresenting yourself and I have the call recorded. She then proceeds to skiptrace and contact my aunt, husband, grandma and tell them I have 6 counts of fraud the case # XXXX and I needed to call her back and she told them my legal documents had they name on them and they would need to come to court too. I found out she is calling from a place she only gave abbreviations for ARA and XXXX XXXX is claiming to be a paralegal telling me see you in court ... all calls are recorded.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 card or prepaid card

Reference Case # XXXX On XX/XX/2021, I called Comenity Capital Bank ( XXXXXXXX XXXX  ) to pay my card off. I had received late fees in the past and wanted to get this card taken care of. I spoke with the Customer Service Representative ( CSR ) and informed him that I will pay the balance in full as long as there was no late fees or penalties assessed. At the end of the conversation and prior to me providing payment, the XXXX asserted that I will not have to pay the fee associated with paying over the phone, any late fees, penalties, or interest. 

In the beginning of XXXX of 2021, I received a statement from XXXX XXXX  Comenity Capital Bank stating that I had a balance due on XX/XX/2021. I was assessed {$35.00} for the late fee that I was told I would not have if I paid my balance in full. I was also given a finance fee of {$9.00} for a total of {$44.00}. 

I sent a message on XX/XX/2021 stating that I filed a complaint with the CFPB and that the CSR I spoke with asserted that I would not have any other fees. I received a message that same day XXXX XX/XX/2021 XXXX from Comenity Capital Bank on their web site stating that my request has been forwarded to the correct department and they thanked me for my patience. 

I received another statement with a closing date of XX/XX/2021 and a due date of XX/XX/2021 for the amount of {$81.00}. This is due to another {$37.00} in fees. I last spoke with Comenity on XX/XX/2021 and the CSR could not find the recorded conversation I had with the CSR who took my initial payment. Comenity Capital Bank is engaging in unfair business practices by taken advantage of consumers. They are using bait and switch tactics. Lastly, Comenity Capital Bank is willfully and knowingly providing false information so that they may charge fees that are excessive.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 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. 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: Debt collection

My consumer rights have been violated by Fidelity Creditor Services. On XXXX XXXX, XXXX XXXX, XX/XX/2020 and XX/XX/2020, I submitted disputes to XXXX  disputing the account with Fidelity and the continue to report the fradulent account on my credit report. 
On XXXX XXXX, I submitted a dispute letter to XXXX  regarding the account with Fidelity, I never recieved a response. 
On XXXX XXXX, I mailed a 30 day to comply to XXXX, I did not receive a response from them. After mailing the 30 day to comply I filed a complaint with CFPB against Fidelity, as of today they never responded to the complaint. 
On XXXX XXXX, I mailed another round of dispute letters to XXXX  again requesting them to investigate the account with Fidelity. I received a redponse thaat the account was validated. 
On XXXX XXXX, i mailed a Validation of Debt letter to Fidelity, asking them to validate the debt they're stating is mine. I never received a response. 
On XXXX XXXX, I recieved dispute results stating that again the account from Fidelity was valid and they were not going to remove it from my credit report. I then clled XXXX  on XXXX XXXX and sopke with a rep named XXXX. I asked the representative how they were validating the information on my account, and he stated that XXXX  does not have to disclose their method of verification to consumers, which I believe is incorrect. 
On XXXX XXXX I filed a report for identity theft with FTC, and mailed the copies to the 3 credit bureaus. I received a dispute result from XXXX  on XXXX XXXX indicating that Fidelity is requesting for me to contact them directly, and the fradulent account remained on my report. 
I called XXXX  and sopke with the supervisor XXXX in the fraud department, and she verified the FTC report that was on file, my identity and I provided her with the police report number that I had. XXXX began another investigation on XXXX XXXX. 
As of today my re-investigation is under investigation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance - XXXX  XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$470.00} XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

US Bank has refused to work with me to assume or pay off my husband 's existing mortgage since he defaulted and we are still in divorce court. US Bank has ruined my professional reputation by advertising that they are foreclosing on me, even though they have told me that I am not on their mortgage or note, and owe them nothing. 
They have discriminated against me because I am female, I have been advised. 
I am requesting information on real estate attorneys who can help with foreclosures and bank fraud.
Product: Credit reporting or other personal consumer reports

I am writing today to file a formal complaint against Equifax, there are several items that have reappeared on my credit report AFTER being successfully deleted/removed after I disputed the items 2. XXXX ( XXXX XXXX XXXX was deleted/removed from my Equifax Credit report approx XX/XX/2023 and has reappeared to my credit report WITHOUT me being notified. 3. XXXX XXXX XXXX was deleted/removed from my Equifax credit report approx XX/XX/2023 has reappeared to my Equifax credit report WITHOUT me being notified within 5 days in writing. Per FAIR CREDIT REPORTING 1681i - ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any
Product: Checking or savings account

Saturday XX/XX/XXXX I deposited a check. I was told by the teller that my check should be available the following Monday, or Tuesday XX/XX/XXXX, or XXXX XXXX. I later received an email from the bank saying that they were placing a hold on the check for about 2 weeks. this is the second time 1 month that they have done this without forewarning as a way to circumvent the process and law of regulation CC, holding my my money without letting me know beforehand, Reg CC which gives about XXXX business days to hold. They took my check sent it off and placed a hold through the back office and then tell me that I can not get it back because it has gone off to somewhere that can not be retrieved. This is an abuse of power and causing unnecessary financial hardship, as I can not pay bills on time due to the illegal and excessively long holds.
Product: Checking or savings account

I set up a group reservation for XXXX rooms with XXXX XXXX XXXX ( XXXX ) XXXX Connecticut XXXX XXXX. Due to the pandemic the reservation could not be completed due the pandemic. When I contacted the hotel to receive my {$300.00} deposit back they informed me that I would had until XX/XX/XXXX to make a decision to cancel which in XX/XX/XXXX I canceled the reservation. I was told a refund would be processed after waiting some time I never received it. When I got back in touch all accounts had been transferred to a company called XXXX XXXX I corresponded with the contacts I had been give and they assured me I would get my refund. After repeated emails and phone calls to all parties involved I have not heard back because both have closed down with no word about my refund and no follow up information! XXXX XXXX XXXX chain ( XXXX  ) says they have no involvement in me getting my money back! I tried to file a dispute with the bank and have them investigate but that may not work because of the time I spent trying to work with XXXX XXXX and XXXX XXXX. This has been a very frustrating experience and I cant afford to just give away {$300.00}. If the tables were turned I would be in collections! 

I tried to dispute with Huntington Bank but in the time that I spent trying to work with XXXX XXXX and XXXX XXXX the bank informed me that there may be nothing they can do because of the time frame. So Im still waiting for information on the dispute! 

I have all the contracts, emails, and receipts associated with this transaction which I can forward to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX | XXXX XXXX, CA XXXXXXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sold an item and was scammed by the buyer. The buyer filed a complaint thru paypal that the package was destroyed and the item was missing. I called USPS and they said the package was delivered in good condition. I provided paypal with the USPS case number but they still ruled in favor of buyer. Paypal charged me {$90.00} refund fee and a {$15.00} dispute fee. Now I have a negative paypal balance of {$100.00} in my account. I called them again that decision is wrong but still say buyer provided proof. I think my proof is more believable because USPS said that the package was in good condition therefore the buyer destroyed it and took the item bit made false claims that package was recieved destroyed and item missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated as sated in the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.
Product: Mortgage

I applied for a loan modification due to the COVID crisis. Lost my good paying employment to later ( XXXX of XXXX ) regain employment at a lessor salary and my spouse becoming permanently XXXX and receiving XXXX. I had no choice but to find a second source of employment in order not to lose our home. We applied back on XX/XX/21 and been given the run around since. Please help by reaching out as Im terrified to lose our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.