23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX hired a company XXXX XXXX to serve papers threatening to sue me for a master card that I do not own I attempted to call them for more information but the number doesn't work i never received any notice there is no mastercards on my credit report that were in default
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, its by law to report accurate and correct information
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid off a mortgage at bank, i received a satisfaction of mortgage, the account shows past due on my reports i have downloaded the satisfaction to the credit agency 's, they do an investigation, they remove the item from my file, then within 1 week its back on my report, this has happened many times over the past 12 months, my credit score bounces XXXX to XXXX points each time, i spoke with experion last on XX/XX/2018, she read the documents that she had on file from the latest dispute and told me the bank who the paid account was with ( XXXX XXXX XXXX XXXX  mn. ) did not respond within the 30 day window so they deleted the account, but then XXXX XXXX responded late and it was back on my report. 

please note the account number on the bottom of the satisfaction document, that is the same as the account number on my credit file. please read the document it is very clear this account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems did not provide me with copies or verification how the following accounts were opened. i have asked on several times for copies of signature cards to verify if they were my accounts ( XXXX/XXXX/2022 ). The following accounts are not mine, XXXX XXXX, XXXX XXXX XXXX Bank XXXX Oklahoma ( XXXX Accounts )
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, Tx XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My XXXX XXXX - XXXX XXXX XXXX. My Address - XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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

Good day, I am contacting you to follow up on case XXXX. In the last quarter of 2023, I received a transfer to my new PNC account, which blocked me and froze the account. When I called customer service, I was told to go to the branch where they could verify my information and release my funds. I went to several branches before anyone could help me. In each agency, I was told that such verification was not possible, that I should simply call the customer service number who would do the verification directly with me over the phone. 

Finally, in the last branch I visited, after several days and trips all over town, two employees were able to help me. We called the back office and waited about two hours before we could speak to someone. This person asked the PNC agent to check and scan my ID, which he did, and then we were both told that my funds had been held for further investigation. I asked what the reason was and received no specific answer. 

I brought with me all the documents concerning my company and myself, the details of the transaction, the origin and the reason ; they told me it wasn't necessary. The result is that my account has been blocked since the end of XXXX and they did not say anything regarding the investigation. 

It's been over 6 months and it's having an impact on me, I'd like to be able to access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a representative by the name of XXXX whom was a supervisor in the fraud department. I informed XXXX I had been a recent victim of identity theft and that I was checking the status of a particular account that was in dispute. The account in question was listed as XXXX XXXX. I advised XXXX that this information was inaccurate, and that I was told XXXX XXXX is no longer in business. I asked XXXX how could this information have been verified as of XX/XX/XXXX if XXXX XXXX no longer owned the debt. XXXX went on to explain that the account was verified due to a statement containing my name and address. This is totally unacceptable an not 100 % accuracy for validation.
Product: Credit card or prepaid card

I applied for th e Amazon Visa card, via the Amazon website,  bef ore  XX/XX/XXXX . Ch ase was the bank underwriting th e Amazon Visa ca rd. A few weeks later I received a letter from Chase declining the card and the reasons wh y. In   XX/XX/XXXX , I re ceived   3 additional denial letters from Chase cr edit declining the issuance  of the Amazon Visa card. I returned one of the letters to Chase credit,  asking them to stop sending me these letters since I only applied for t he Amazon Visa card only  once and already had received a denial letter. Later on I saw m y  XXXX  repo rt and there had been  XXXX  separate inquiries in  XXXX  by Chase! On  XX/XX/XXXX  I received another letter from  Chase ( se e attached ) declining my '' application '' fo r Amazon Visa ca rd. I only applied once back in latter part of  XX/XX/XXXX ; I keep receiving these letters f rom Chase, and Chase keeps p ulling my report without my authorization! This has to stop. I need to know who authorized these inquiries, by Chase, in my  XXXX  Credit report. There is fraudulent activity going, and it needs to stop.
Product: Mortgage

I temporarily became over 60 days late on my Greentree mortgatge for a rental property. Greentree sent and charged me for an inspector to visit the tenant occupied property. The inspector told my tenant I was in " forclosure! '' My tenant immediately called me asking many questions. I wrote Greentree 's customer service deptartment asking for the name of the inspector they sent because I wanted to file a complaint for releasing my private credit info to another person? I have not received any response from Greentree what so ever!
Product: Payday loan, title loan, personal loan, or advance loan

I fell into a huge problem with bills and rent so I applied for payday loans, bills kept piling up so I stupidly applied for others to pay loans off. I wanted to file bankruptcy but I cant because I live in Florida and Ill lose my car and I need it to go to work. I will pay my debts but need a lower payment. My account was also compromised after I asked that no more be taken out. Ive been threatened that my wages will be garnished now by text and email. Im barely making ends meet.
Product: Credit card

I disputed a charge of {$140.00} on my SunTrust Credit Card. I completed the paperwork sent to me by the SunTrust Fraud Assistance Unit, which included a detailed explanation of why I was disputing the charge, and supporting attachments. I mailed and faxed the documentation to SunTrust XXXX ( XXXX ) times, but kept getting the same letter saying that I needed to provide an explanation of why I was disputing the charge. I called SunTrust Fraud Assistance XXXX times and each time I was told that they received my paperwork and they did not know why I was sent the last letter. On XXXX XXXX, 2015, SunTrust Fraud sent me another letter stating that they had closed my case because I had not responded to their letters. I called again and told them that I had mailed and faxed the information to them XXXX ( XXXX ) times and followed up with phone calls. Each time I called I was told that the paperwork had been received. On XXXX XXXX, I called again to protest the closing of my case and demanded that they reopen it. SunTrust Fraud Assistance has not taken the time to read and/or investigate my dispute. They summarily closed my account. I have right to dispute a charge on my credit card account which I did not request, authorize or agree to.
Product: Debt collection

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which XXXX XXXX XXXX XXXX authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit card or prepaid card

Chase bank has been applying my payments to the part of my balance that has a much lower APR, instead of paying-off the newer part of the balance that has a much higher APR ... I feel this is incredibly deceptive as well as unfair because it keeps that new, Higher APR purchase on the books essentially forever! This is on my Chase Slate card. I was under the impression that payments, by law, had to be applied to the higher APR portion? Furthermore, what is completely unfair is that Chase will not tell you your balance!! I called them 2x today, XX/XX/2018 to ask how I might keep track of the balances that have different APR 's, as I pay off my debt, and in the age of computers even they told me they would not offer that breakdown ... are you serious? It is clear to me that their process is intended to keep the customer either perpetually in debt or indebted as long as they possibly can. And they hamper your effort to better your debt situation. This is totally lame.
Product: Checking or savings account

Previously I transferred about XXXX USD from my checking account to my credit card by mistake. XX/XX/XXXX, I called Bank of America ( XXXX ) to request a refund of this overpayment. The telephone agent helped me initiate an online refund to my checking account. And she told me that it will take XXXX business days. Then I wait. Today ( XX/XX/XXXX ), I still haven't received the refund and the money still stays on my credit card balance, which is against the law : the creditor shall refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer - 12 C.F.R. 1026.11 ( 2024 ).

I attached the recording that I contacted the bank. They confirmed they don't refund the money within XXXX business days. The conversation starts from XXXX.
Product: Mortgage

On XX/XX/XXXX we called the mortgage company and told them our house is for sale and the buyers will close on XX/XX/XXXX. We stated we had moved but our daughter still lives in the house. Today XX/XX/XXXX, a Contractor from Mortgage Consulting showed up at my house and when I asked her what she was taping to my door she said its a no trespassing vacant sign abandonment notice and that shes sent out when a house is in foreclosure. We have a VA loan with Freedom Mortgage and we missed XXXX and are late for XXXX but we are not 120 days late and not received any type of notice other than a letter to contact them about making a payment ( which we did XX/XX/XXXX, day before they sent someone to post our house is vacant/abandoned ). I called Freedom Mortgage and the guy apologized and said theres no reason to do this for being behind 2 payments ( not even 60 days ) and would note our account. How is freedom mortgage legally able to do this and why are they trying to say its abandoned when we reached out to them and clearly told them what was going on? I have the whole conversation with the contractor on video, please keep this in mind in your response.
Product: Credit card or prepaid card

Tried to return an item to merchant - defective item. Filed dispute with bank, but they failed ( i ) process the dispute properly, XXXX ii ) respond to info provided, ( iii ) correctly tell me what they wanted, ( iv ) made demands that they knew could not be responded to in the manner they wanted, ( v ) instituted on onerous process to dispute the claim, and ( vi ) reverse the charge. The final straw was requesting me to do something with no intention to process the dispute.
Product: Money transfer, virtual currency, or money service

I have had an account with XXXX XXXXor several years. In XX/XX/year> they placed a " Secuirty hold '' on my account which prevented me from moving my crypto from the XXXX XXXX to my wallet. I have opened multiple tickets with them, and they still have not resolved. They have asked for, and I have provided, all of the following : - a selfie that includes my ID and the date - updated my XXXXXXXX XXXX and made specified changes to it - answered multiple questions about my account and general crypto investing. 

They are now completely unresponsive and I have ~ $ XXXX USD on the exchange which they will not allow me to access. My most recent ticket with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED., 1.XXXX  XXXX XXXX XXXX SC XXXX 2. XXXX XXXX XXXX XXXX XXXX, SC XXXX 3.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX 4.XXXX XXXX XXXX XXXX SC XXXX PLEASE HELP GET THEM REMOVED.
Product: Credit card

I have XXXX credit card accounts with Wells Fargo. I accidentally paid off the wrongcard and now they have charged me the accrued interest on the only remainingcard. I mixed them up and paid off the card that was n't due until XXXX and thecard due in XX/XX/XXXX has been charged over {$900.00} in interest. Both the other cards were paid off. I did not have any late payments, all monthly payments on all XXXXcards were paid on time previously and I have excellent credit. This was a terrible oversight as I have XXXX serious illnesses and I am on XXXX. I have sent them a letter by a fax XXXX times and they have not responded. I can pay off the entire balance due ( minus the deferred interest ). 
I have no money otherwise for this deferred interest as I am on a strict budgetfrom XXXX. This was a terrible mistake and I am begging someone to helpme with this.
Product: Credit reporting or other personal consumer reports

I am formally filing this complaint against [ XXXX ] for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and demand immediate corrective action. Despite my lawful rights, this company has engaged in deceptive, non-compliant, and negligent practices that have caused harm to my credit standing, financial well-being, and legal rights. 

FCRA Violations Committed by [ XXXX ] Failure to Investigate Disputed Information ( 1681i ) Despite my formal dispute submitted on [ XXXX XXXX ], [ XXXX ] has failed to conduct a reasonable reinvestigation within the required 30-day period, violating my consumer rights.

Reporting Inaccurate or Unverified Information ( 1681e ( b ) ) The company continues to report inaccurate, incomplete, and unverified information, damaging my credit profile and financial credibility.

Failure to Provide Complete and Accurate Information ( 1681s-2 ) The furnisher of information has failed to correct or remove erroneous data upon dispute, thereby breaching their legal duty.

Failure to Provide Proper Notice of Adverse Actions ( 1681m ) I was not properly notified of adverse decisions based on my credit report, violating transparency and disclosure requirements under the FCRA.

Remedy & Demands Given these serious violations, I demand : The immediate deletion and correction of all inaccurate, unverified, and outdated information from my credit report.

A formal written response within 15 days acknowledging this complaint and outlining corrective actions taken.

The enforcement of maximum statutory damages, including penalties of up to {$1000.00} per violation under 1681n for willful noncompliance.

If this matter is not resolved immediately, I will escalate to legal action, including filing a lawsuit in federal court for willful or negligent FCRA violations. 
Failure to address these violations will result in a formal complaint to the Federal Trade Commission ( FTC ), state Attorney Generals office, and additional legal recourse to ensure full accountability.

I expect immediate action to rectify this issue. If I do not receive a response within the legally mandated time frame, I will pursue all available legal avenues. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

LVNV Funding LLC attempted to sue me for a debt originating from XXXX XXXX XXXX in XX/XX/XXXX. I called to pay the debt to prevent a judgement on my record. I was told I had to now contact the Law office the contracted to handle the lawsuit. I called XXXX XXXX XXXX  on XX/XX/XXXX to pay the debt. I was offered a settlement in full of {$500.00}. I accepted only after I asked if they were permitted to offer settlements on behalf of LVNV and they said yes. They also stated that this debt would be cleared and could not be sold or collected on after this payment and would be dismissed in court. There calls are recorded therefore proof of this conversation can be obtained.
I paid the debt right thenXX/XX/XXXX via check by phone ( see attached cleared check ). I received a letter from XXXX XXXX XXXX stating this debt was settled in full ( see attached letter ) onXX/XX/XXXX. I have waited for my reports to update and now LVNV is reporting that I still owe this debt in the amount of {$270.00} the difference of the settled in full offer I paid. They are reporting this amount to XXXX and XXXX and are still reporting the full amount owed of {$770.00} to XXXX. I have tried contacting them with no avail. This debt was paid and to be removed according to they law office they contracted to sue me. I will still have to appear in court onXX/XX/XXXX to make sure they actually dismiss this case, because now I believe they will still try to obtain a judgement due to their wrong collection processes.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX