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

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

I received a letter attempting to collect over {$900.00} in fees on a fix it ticket that was " owner responsibility '' I do not own the car. I'm also not sure how those fees would've accumulated, the case number I was given doesn't exist in the court system. I sent them a letter stating I do not own the car, my name is not on it, and I am not responsible for the ticket yet they continue to send me monthly letters.
Product: Checking or savings account

On Saturday XX/XX/2023 I received a welcome email regarding an account opening from Chime CEO XXXX XXXX. I responded to XXXX that I did not open this account and was just recently a victim of identity theft. Complaint one is that XXXX ' email is a no-reply email. Don't welcome me and not allow me the opportunity to respond back. 
I was able use the chat feature to report the fraud. Unfortunately the inexperienced staff only closed the savings account and not the associated checking account which brings me to complaint two. You, XXXX XXXX and Chime need to be diligent when receiving a fraud complaint. Speaking of utilizing due diligence, complaint three surrounds the opening of the accounts since it was done fraudulently. XXXX XXXX and Chime did not use the proper due diligence for account opening. The address provided by the fraudster did not match my address I've had for 27 years. That is red flag 101.
Product: Debt collection

Disputed information several times explaining i am a result of identity theft and asked to remove this from credit file. I am asking to validate debt by providing me with * Proof of signed document * Original Document
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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: Debt collection

I contacted both Capitol One ( original said Creditor ) as well as the collections agency XXXX XXXX about the debt that theyre saying is mine. I immediately contacted them both upon the collection account hitting my credit in XX/XX/XXXX for {$3300.00}. The debt has never been an Account on my credit report at any time since it was supposedly opened in XXXX. The verification the collections agency sent me in the mail was missing a bunch of information including XXXX room history. Capitol One was not able to provide me any details saying they sold the debt so I had to work with the collections agency. The credit account is not mine! I filed a Fraud dispute with Capitol one in XXXX and never heard back from them validating the debt. The debt is 7 years old and no one can validate its mine. I never have worked with Capitol One in my life. Theres not credit reporting on my credit file ever with Capitol One.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX 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 or other personal consumer reports

there's an unauthorized/unrecognized inquiry by XXXXXX/XX/XXXXXXXX dated XX/XX/scrub> 2025 in my TransUnion credit report. Immediately delete/remove the above inquiry in question from TransUnion credit report.
Product: Vehicle loan or lease

I purchased a car from XXXX on XX/XX/XXXX. Monthly payments in the amount of {$320.00} have been made on time every month since XX/XX/XXXX to Bridgecrest who is the lender. My account has been ahead by 2 months since XXXX. My current payment is not due until XX/XX/XXXX. No payment has ever been late. 
Bridgecrest has inaccurately reported my account as 30 days late to the credit bureaus and posted late fees to my account. Please keep in mind that XXXX late payments have been made. Cases had to be opened with the CFPB as Bridgecrest was unwilling to correct the errors. 
When an on time monthly payment is made, the principle should decline every month. This would cause the interest to decline slightly monthly as well. My account is showing that the interest is not declining monthly, and in some instances increasing dramatically. 
I have attached examples of how the monthly payments are applied to principal and interest. The interest for the payment on XX/XX/XXXX ( {$170.00} ) is almost the same as the first payment ( {$160.00} ). No amortization table works that way. As the principal declines, so should said monthly interest. This account will be XXXX XXXX XXXX in XXXX of XXXX. 
I have contacted Bridgecrest numerous times to resolve. I recently spoke with XXXX who is a XXXX in the XXXX XXXX Department. She was to investigate and call me back. To date, no return call has been made. 
Bridgecrest will also claim that the amount of interest collected depends on when the payment is received, the payment is sent the same time every month and received within a few days. Bridgecrest will reverse the principal payment and apply as a normal payment 30 days later. This might be why the interest increases monthly. The amount of interest is all over the place.
Product: Debt collection

I have been receiving calls lately from a debt collection company named Fair Collections & Outsourcing ( FCO ) claiming I owe XXXX XXXX XXXX XXXX  some money and said before they can continue, I have to provide them with my social security number and date of birth. I never gave them of course. I am shocked to receive a letter from FCO that I owe {$3500.00} and if I can pay 50 %, my account will be closed with them. That looks even more scary for me. This is sure scam because I never lived in XXXX Texas where they claim I rented an apartment and never paid. I have never lived in XXXX Texas before and they kept on requesting for my personal information.
Product: Checking or savings account

Ever since XXXX of 2020 I have had numerous of unauthorized inquiries and adjustments made to my account. Ilegal ACH transfers, transactions, and overcharging from some merchants. I have tried to discuss this with the fraud department and with customer service. Unfortunately ; the investigation report was stolen from USPS postal system. And I have been disconnected almost every time I call customer service. If I get through to them they lock me out of my online banking database so that I can not view my files while receiving help from their company. Since 2020 I have lost up to XXXX from this scam. Just recently I had another {$1000.00} dollars take from my initial XXXX disbursement and several unthinkable transactions/ACH transfers withdrawn from my account. Im interested in seeking legal counsel if the financial state isn't resolved by their providers.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

Hello, my name is XXXX XXXX last year I entered a loan modification with then Nationstar Mortgage, now Mr. Cooper. 
I received a letter from the Attorney that assisted me with my Bankruptcy in XX/XX/XXXX from Mr. Cooper stating that if I was having trouble making my loan payments, when I tried to contact Mr. Cooper I received three different answers from three people whom I spoke to lastly end with a gentleman by the name of XXXX ( employee # XXXX ) and this gentleman informed me that he really couldn't speak to me regarding the mortgage because the bankruptcy attorney needed to forward a letter of release if i'm not mistaken and this letter would allow them to speak to me regarding the loan. 
But I was informed by XXXX that the months of XXXX, XXXX, XXXX, XXXX and XXXX were not paid. 
I was trying to explain to XXXX that this was an error and I have a letter from the mortgage company Dated XXXX XXXX that the mortgage was ahead and the next payment due was XX/XX/XXXX that being said I did a payment on XX/XX/XXXX in the amount of {$760.00} ( confirmation # XXXX ) which I thought would have kept current but from what I was told no at worst case I could understand them saying XXXX is still due. 
I feel that the errors should be corrected and that Mr. Cooper remove all negative information from all three of Major Credit Bureaus and I also would like to file a complaint against them for predatory lending Practices. 
in the Pdf. you will see all of the documents I make reference to but the payment made XX/XX/XXXX the confirmation number was given for reference thank you thank you XXXX XXXX
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit regarding multiple over draft fees I have incurred. Despite having accurate funds when the transaction were authorized I was charged fees due to lagging posting of charges and credit. This issue aligns with different CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Prepaid card

These reward cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender XXXX and tell us there is nothing they can do about it. They falsely advertise that their cards can be used anywhere that accepts American Express  cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I tried to use at XXXX- it was declined and I had to 'request ' a new card. Same issue with current card. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

card # XXXX {$100.00} activated XX/XX/year>
Product: Debt collection

I noticed 2 collections that appeared on my XXXX XXXX account, one for {$1600.00} another for {$2000.00} dating both first reported XXXX and date last reported XXXX ( which was the actual first time being reported ). There was never any letter of validation nor was there any attempts to contact me prior to this just appearing on my credit report. There also was interest added to these accounts without any previous attempts to collect the debts.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Monday XX/XX/XXXX I ordered a XXXX XXXX XXXX processor from XXXX for {$130.00}. On XX/XX/XXXX I received an email from XXXX stating the processor had been delivered however, there was no package to be found. I thought the package was delivered to a neighbor by mistake as this has happened before so I waited until the next day to see if it showed up, at approximately XXXX on XX/XX/XXXX I called XXXX XXXX inquire about the package.XXXX told me it was delivered in my name to XXXX , FL XXXX but the street address did not match mine.I asked what address the package was sent to and was told that they could not give me that information for security reasons. I then contacted the seller through XXXX and asked why the processor was sent to a different address than what was listed on the XXXX confirmation email, after waiting a week, they never responded.I then contacted XXXX and asked them to step in.On XX/XX/XXXX I received an email from XXXX stating that they had proof it was mailed to my address and left at my front door and they closed the case. On XX/XX/XXXX I contacted XXXX ( I attached my credit card to my XXXX account and this is how I payed for processor ), and opened a dispute with them thinking that they would check with XXXX as XXXX wouldn't, but I was wrong, they came back with the same answer as XXXX and wouldn't call XXXX either. I then called my Credit card company opened a dispute and explained what had happened and asked them to call XXXX to verify the information.On XX/XX/XXXX I received the response they had proof the merchant sent the merchandise, I called them ask them if they had called XXXX to verify and they told that they won't call XXXX. I asked them how they could say they were investigating if they don't ask questions? I then called XXXX again and explained the situation I was having with XXXX, XXXX and my credit card company. XXXX then emailed me with the information I was looking for, the actual address where the package was delivered to. I faxed this to my credit card company on XX/XX/XXXX and called to comfirm that they had received the information, which they did. On XX/XX/XXXX I received a letter with so called " proof '' from my credit card company stating the merchant has not violated the terms and conditions of the contract, I called them to ask why and they again said that they have " proof '', I asked about the proof I sent them and they said they were disreguarding that proof. I am sending you a copy of their XXXX deliver confirmation they sent as " proof '', if you notice on their XXXX form it says the package was left at the front door however it does not have my name on it or even a street address listed, this is their proof? I pointed this out to them but they didn't seem to care. I have also attached a copy of the email and attachment I obtained from XXXX. I don't expect you to just take my word so please call XXXX ( XXXX ) and give them the tracking number and ask them if it was sent to my address, both can be found on my XXXX order confirmation which is also included in the files I sent. Thank you for all your help in this matter!
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX {$0.00} Inquiry only. Experian did not remove incorrect information. 
Experian XXXX XXXX XXXXXX/XX/XXXX {$0.00} Inquiry only. Experian did not remove incorrect information. 
XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry only. Experian did not remove incorrect information. 
XXXX XXXX XX/XX/XXXX {$0.00} Inquiry only. Experian did not remove incorrect information. 
XXXX XXXXXX/XX/XXXX {$0.00} Inquiry only. XXXX did not remove incorrect information.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have EQUIFAX accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red wet-ink signature, that show I gave them written or verbal instructions to furbish information on my credit file. EQUIFAX has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!
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 : OAG CHILD SU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. 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 seven 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 or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have this account removed to protect my credit. 
The account in question is as follows : XXXX XXXX XXXX Account Number : XXXX - XX/XX/year> - {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not even remember this creditor and how it got on my credit reports. It may just be a financing company of which was applied and never got removed off my credit. I hope this gets resolved. 


There Contact Info : XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, 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 14 usc 1861. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602a. States i have the right to privacy 15 U.S.C. 1681 Section 604a section 2 : it also state a consumer reporting agency can not furnish it account with my Written instructions 15 U.S.C. 1681C ( A ) ( 5 ) Section states : No consumer reporting agency may make any of the following items of information. Any other adverse item of information, other that records of convictions of crimes which antedates the report by more than seven 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: Debt collection

I am trying to resolve my debts that were reported on my credit report. I have settled all but one. On my credit report it shows that XXXX XXXX XXXX holds it for {$920.00}. The phone number attached is XXXX. When I called XXXX XXXX XXXX on XX/XX/22 to settle the account by paying the amount in full, I was given a different number of XXXX. That phone number is for XXXX XXXX. When I spoke to someone at XXXX XXXX on XX/XX/22 about resolving the debt I was told that it was for {$1100.00}. That is a difference of {$200.00} from what is showing on my credit report. The people on the phone were rude and one even hung up on me. I even have recordings of the phone calls. 
The last person that I spoke to told me that they received the collections from XXXX and that the amount was {$860.00}, so that is a difference of {$260.00}. 

I have recording of all of the phone calls resolving the debts in full, and I have screen shots of the credit report showing the amount that I was trying to pay in full. 

With the amounts being different in multiple ways I would assume this is fraud