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

Experian continues to report inaccurate information. The account listed as XXXX XXXX XXXX XXXX has been discharged and is now considered income per the IRS publication and can not be reported. 

This account must be deleted immediately. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

This is not a duplicate complaint my issue is that capital one 360 checking accounts XXXX my complaint is that capital one 360 has not notified the XXXX XXXX new York district attorney office. Tha my checking accounts have a XXXX balance. Reason for this is that the XXXX XXXX district attorney thinks I owe capital one 360 money. Their offer is that if I pay capital one checking 360 XXXX in restitution then the charges will be dropped but the problem here is that I don't owe anything I have XXXX balance here. can capital one checking 360 send a XXXX balance letter to the courts the XXXX XXXX district attorney to let them know that the checking accounts are paid in full and I don't owe nothing. I already have letter can you please send copy to the courts the XXXX XXXX district attorney. So that these charges be withdraw thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting

This is my second attempt to inform Equifax of my ID theft claim, there are reporting on my credit report that are due to fraud from XXXX XXXX which includes a judgment and collection reporting. I contacted XXXX XXXX and they have addressed it appropriately. I attached a letter they have sent me.
Product: Credit card or prepaid card

I am deeply concerned that XXXX XXXX XXXX and XXXX XXXX XXXX are implementing policies that run counter to laws and regulations passed by Congress, and they infringe and discriminate against my Second Amendment rights. 
This discriminatory behavior is unconstitutional and must stop. My decision to use a credit card in the purchase of legal firearms should not be blocked by a large corporation that disagrees with said purchases.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan to furnish my apartment!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unauthorized inquiries on my credit reports. These inquiries are on XXXX, Experian and XXXX. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police report.
Product: Credit card

Capital One is reporting inaccurate information to the credit bureau which is ultimately dropping my score. I made a settlement agreement for {$150.00} with the monthly payment being {$26.00}. My first payment plan was due XX/XX/XXXX and my second payment was made XX/XX/XXXX. My third payment XX/XX/XXXX fourth XXXX XX/XX/XXXX, which total {$100.00} With the settlement agreement being {$150.00} which means I have a balance of {$52.00}. 
Capital One last reported on my credit XX/XX/XXXX reporting a balance of {$230.00} which is inaccurate. This account was deemed closed and charged off. If it's closed and charged off why are they still charging me? This account has been closed since XX/XX/XXXX. XX/XX/XXXX again this account decreased my balance by making inaccurate comments to my credit score that are untrue and its a violation of my Consumer rights. I would like this company to remove all late payments and all in accurate information as well as remove the charge off bad debt as a settlement paid. I would like this settled and the {$52.00} clearled due to damages and false reporting that led to loss of credit.
Product: Credit card

Today XX/XX/year>, at XXXX eastern standard I contacted the XXXX to cancel the card security payment on my Lowes account. I had canceled this on all of the other cards that I have with synchrony bank to include ( care credit, rooms to go, etc. ). Upon getting to my Lowes card, it would not go through automated and transferred me to a representative. I stated I wanted to cancel the security payment on the card and this young lady -Agent ID # XXXX canceled my card. She gave me a # XXXX as the reference when I asked for the # XXXX number as received for the others. When I asked her for the XXXX # and her name. She told me she could not give me her name and only the agent id. Then she asked, you wanted to cancel your account correct and I said NO... did you cancel my card, and she said yes, I need to call back to customer service. I refused and asked for a manager and have been put on hold for XXXX min XXXX seconds. She has continued to try to get me off the phone by stating I would get a manager call on Monday ( which I informed her was a banking holiday ). Then I asked for a lead or any superior to get on the call to try to attempt to reverse what she has done, and she just continued to place me on hold for XXXX mins to come back and not get anyone on the call. Once I let her know that I was submitting to CFPB, she did finally get me to XXXX who is the supervisor payment security customer service. XXXX, informed me that they do not have access, and I requested it in writing by email that my account is not in fact closed. She also provided the agent 's name of XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the 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 XXXX, alleging systemic 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 Transunion 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 disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. I request that the CFPB take action to ensure XXXX and Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity.

I still have not heard from the bureau regarding my dispute last month.
Product: Credit reporting or other personal consumer reports

You have breached 15 U.S. Code 1681b of the United States Code, which specifies the allowable purposes for consumer reports. As per subsection ( a ) ( 2 ), a consumer reporting agency is permitted to provide a consumer report only upon receiving written authorization from the consumer in question. I have not provided any written consent for the inclusion of any information in my consumer report. Therefore, in accordance with the law, you must promptly remove the accounts referenced in this correspondence.

Your agency is in violation!

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, credit repair services, or other personal consumer reports

Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Product: Mortgage

On XX/XX/XXXX I received a call from someone named XXXX from Bank of America who stated he was calling regarding a forbearance. 

I asked what day does it start and end. Per XXXX it starts on XXXX. I then ask what happens to XX/XX/ and he basically talked in circles. I repeated the question again but rephrased it. A nightmare. 

It was a simple question that should have an answer somewhere at Bank of America. After going round and round, he finally said XXXX is covered? What should have taken 30 seconds to answer turned into five minutes of confusion. 

I still dont think he knows. I then asked about the repayment options and he stated it could be this it could be that. No one knows until the forbearance ends. 

I then stated that cant be because the first forbearance they provided the repayment options at the time the forbearance was approved. 

Also my investor publishes the repayment options for forbearances. However, apparently my investor hasnt made Bank of America aware of these options.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their inadequate handling of my disputes concerning inaccuracies in my credit report. Despite my numerous submissions, Equifax consistently replies within 24 hours asserting that the account is accurate, without offering any evidence of a comprehensive investigation. This behavior breaches the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, Equifaxs actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as indicated by the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar infractions. I urge the CFPB to take action to ensure Equifax adheres to federal law and provides consumers with the necessary proof of their investigations. 

Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In 2025 Loan Depot paid two homeowners insurance policies and did not help to get my money back from the first homeowners insurance company. Also, they are significantly overcharging me for my escrow payments by {$3000.00} a year. I asked to stop payments on my homeowners insurance and my local taxes and they refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00}, XXXX XXXX XXXXXXXX Balance : {$2700.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX MOT XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

My Grandparents XXXX and XXXX XXXX died in XXXX and XXXX respectively. Select Portfolio Servicing Inc was the servicer and failed to file a claim in probate for XXXX XXXX. SPS Inc hired XXXX XXXX to collect the Note as it had fallen into default due to XXXX XXXX death. SPS Inc initiated a lawsuit against the heirs of the XXXX in XX/XX/XXXX. 

The lawsuit is currently before the New Mexico Appeals Court # XXXX. 

During the lawsuit it was found that SPS Inc was using manufactured document in order to foreclose of properties. The Case in New Mexico is Carmen Pennington v. OneMain Financial Group. 

The case file has documentation, depositions an evidence which shows SPS Inc committed fraud against the XXXX. 

The XXXX 's filed a racketeering count against sps XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who are all debt collectors for thier actions. This is all pending before the New Mexico Court of Appeals. 

This week, XXXX XXXX XXXX XXXX sent a letter to my deceased Grandfather XXXX XXXX telling him his house was going to be in Auction on XX/XX/XXXX. Select Portfolio Service Inc has continued to charge XXXX XXXX over {$20000.00} in interest after his death. 

XXXX XXXX the daughter of XXXX and XXXX XXXX and heir to the XXXX XXXX XXXX XXXX, died in XXXX XXXX. Select Portfolio Service, XXXX XXXX and XXXX XXXX XXXX XXXX. Filed a summary judgment against a dead person and the court awarded it. You cannt obtain a summary Judgment against a dead person The XXXX loan file number is XXXX Select Portfolio also sends letters to the deceased XXXX telling them they qualify for re finance and or forbearance. The the New Mexico Court wanted a stay due to corona vires XXXX XXXX XXXX XXXX through SPS Inc and XXXX XXXX objected. 

a complaint for Fair Debt Collection Practice act is also before the court of appeals.
Product: Checking or savings account

Data breach of savings account on XX/XX/2022 and thereafter. Wide access to my personal information. Fraudulent Customer Service XXXX number setup by people involved in the scheme. Informed Capital One, but no action taken. Appears to be ongoing data breach to the present time.
Product: Credit reporting or other personal consumer reports

under the Fair Credit Reporting Act XXXX account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Requested lower payments and automatically denied. And regional acceptance has been calling non stop each day even Sundays and ignoring the request of not being contacted like that. Even requested the vehicle be picked up with voluntary surrender. But they just keep ignoring any requests. And was trying to quote the FDCPA and was told by them were not allowed to quote the act because im not a lawyer. They also have wrong contract date recorded compared to what the contract that was given to us.
Product: Debt collection

I am writing to dispute a collection account of {$830.00} that my previous landlord filed in my personal credit bureau report against me. Even though It was paid in full since XX/XX/2016. I fulfilled my contract and paid all the dues. 
After I left the property and they gave me the thumps up, they came back with all these fees that I was due. I talked to the property management company and they told me that they no longer had any records and that they sold the condominiums. I contacted the Professional Debt Mediation in writing and over the phone and submitted all the payments and contract and they came back with a reduced fee of {$730.00} with no explanation on how they came to this amount, after I gave them proof from my bank along with the copy of their contract and pointing out their mistakes on my account ledger. The creditor " XXXX XXXX '' kept my pet deposit and they even have it on record and did not refunded my deposit or credit my account for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOKING FOR SOME ASSISTANCE WITH GETTING INFORMATION CORRECTED ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX and XXXX and XXXX capital one is reporting a high balance of XXXX on a card with a XXXX limit. to all 3 credit bureaus. I have called 12 times and sent a certified letter to capital one asking them to send me the transactions that total XXXX. All I get are letters telling me that they are reporting the XXXX correctly but never send me the proof i ask for. 

I make 3 or more pmts every month because the credit limit is so low i use it for my business and spend about XXXX during the month so to keep the card from getting to close to the limit I make pmts before the closing date.or as I use it. Im working on my credit so I can buy a house. My first one. Now with the XXXX high balance showing I can't get the house because the interest rate went from 5 % to 13 % and my score dropped 10 points,. So all my hard work down the drain! I have a right to see where this XXXX is coming from and the way I have been treated by this company is completely undeserved. I never go over my limit and i always pay on time. or more.Yet i get ignored when i ask to send me this proof i need. 
I was turned down for a credit card because they said, balance relative to credit limit is too high. meaning a balance of XXXX on a XXXX credit card limit. My credit utilization is 4 % but with this XXXX showing It has begun to cripple my credit reports and keep me from ever getting a house at a fair rate. Im XXXX and I dont have a lot of time to put off buying a house when this high balance is not correctly being reported.and cant get any proof of this from capital one. They wont even let me talk to the people responsible for the report they send to the credit bureaus. I was told it does not get done by a human that it is all done by computer so i cant talk to anyone. The customer service dept says they cant see where the XXXX is coming from yet every month its being reported. I asked XXXX and XXXX to remove it until the dispute was completed but they did'nt. XXXX I disputed with 2 or 3 times but it comes back in a few days as verified and capital one added DISPUTE RESOLVED and it was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$30000.00}. Also, I want to dispute this XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received any correspondence by mail or email about such debt. I am entitled to be notified prior to placing anything on my credit report. I am unaware of such debt and I was unable to request validation of debt of such debt prior to reporting on my credit report which is required by law if I choose to do so. Unfortunately, I was not given that option. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/18 Dear MIDWEST RECOVERY SYSTEMS XXXX : XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit from Midwest Recovery Systems. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX XXXX