23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Checked my credit report because I have tried to applied for XXXX credit card & was denied because of many late payments in my credit report and did not recognized nor know the 2 credit cards were opened in my name without my consent. XXXX & Discover was opened in my name, the bank and debt collectors never reached out to me letting me know this was happening and ongoing for 6 years. I have contacted both banks & filed a police report but havent heard anything back yet.
Product: Credit reporting or other personal consumer reports

I have two accounts thats being reported from Jefferson Capital. One from XXXX XXXX and the other one from XXXX XXXX. I disputed both account through all three credit bureaus which they verified the accounts as accurate. I sent two round of debt validation letters and there was no response or feedback provided.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX I on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

ALL OF THESE INQUIRIES REPORTING IN MY ACCOUNT ARE NOT FAMILIAR WITH ME AND AND SOME OF THEM ARE REPORTING REPEATEDLY IN EACH CREDIT BUREAU. I COULDN'T APPLY FOR ANY LOANS BECAUSE OF THESE INQUIRIES THAT SOULD NOT BE THERE AND IT'S STRESSING ME OUT
Product: Credit card

I deposited {$4500.00} into my Navy Federal savings account to apply for a secured credit card and they gave me a credit limit of {$2500.00}. My credit limit was based on how much money I put towards the secured credit card. Navy Federal didn't put any money towards my card. After paying the full balance of {$2400.00}, they would not return my money. When I asked for my money back they said I paid my bill. Please help. I called numerous times and went inside the XXXX XXXX branch. I told them this was stealing. Refused to return my money. Again please help. I have pictures and Bank information.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all accounts that were compromised or affected by this breach be immediately blocked and deleted from your records. 

XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} As you are aware, the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any accounts connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, In this follow up, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Please help me remove these fraud items immediately : XXXX XXXX Balance : {$610.00} ; XXXX XXXXXXXX XXXX XXXX : {$87.00} ; XXXX  XXXX XXXX Balance : {$100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX ; XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX  ( XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$8800.00} ; XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 CREDIT COLLECTION SERV # 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Product: Mortgage

Flagstar returned a payment because of insufficient funds and blocked my account. That is a lie. My bank XXXX XXXX said it was fine. I emailed Flagstar to see what the real reason for blocking my account. They could not give me one. They still refuse to unblock my account. I tried working with them but Flagstar only cares about itself not their customers. Flagstar wants me to use XXXX XXXX to send payments. I do not think it is fair for me to pay a fee when it was their mistake. I also do not trust Flagstar.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

So I went to apply for residency at some townhomes at that point I was denied occupancy due to the fact of some information on my consumer report so when I called in the have the information sent out to me it showed I had a judgement placed on me back in XX/XX/2013 for XXXX for XXXX XXXX XXXX  with inaccurate information which I feel I should not be liable for anything due to the inaccurate information that was placed on my report so when I was finally was able to get in touch with the complex to see what the issue was I received a copy of my rental history from them and the information was alot different from what which was placed on my consumer report and when I advised of the information I was referred to a debt collection agent called pro collect I feel like this was a fraudulent case on my report and on my behalf it has caused me alot of denials and anguish for certain things and issues I would like to have this issue resolved and dismissed if possible I have both copies of the letters if needed to be verified also there are spellings of names on my consumer report that is not me I also summited a copy
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX  and they informed me I owe a {$0.00} balance with them and they reported that to the credit bureau. However TransUnion and XXXX or XXXX are saying they havent received the information, but as soon as they receive such information they will update my credit report!
Product: Credit card or prepaid card

I paid off my credit debt with Capital One on XX/XX/XXXX. Two days later, after my payment had posted, they charged me {$40.00} in interest. My balance is {$0.00}. They are telling me it is interest on the balance before it was paid. My bill is due on the XX/XX/XXXX, I paid on the XX/XX/XXXXin full and the payment posted on the XX/XX/XXXX. If there were any other charges to be had, they should have posted before my bill due date. There should be no other charges to pay. I closed my account some months ago because they were unwilling to work with me on payments until I was able to pay the account off. They claimed, constantly, that I had payment options yet both times I called seeking options, their reps were anything but helpful and would only accept full payments which I had been unable to do. Well now they are paid off and it seems they are trying to swindle just a little bit more out of me.
Product: Credit reporting or other personal consumer reports

XXXX 's inadequate communication with me had led my credit score to drop significantly by XXXX points. Essentially, my account was with XXXX. However, they moved it over to XXXX, and XXXX did not communicate with me before reporting a late payment on my credit as " delinquent. '' I am in the process of purchasing a home. However, with this drop in credit, it will hinder my progress, and probably cost me XXXX  of dollars!
Product: Debt collection

I XXXX XXXX am a natural person, Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature. This Demand is a response to willful disregard of the law by PERSOLVE XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX is presenting a gross mischaracterization of an alleged debt. PERSOLVE XXXX XXXXXXXX XXXX brazen attempt to ignore my initial claim of XXXX XXXX alleged theory that they are entitled to funds not owed to them as defined in 15 U.S. Code 1602 TRUTH IN LENDING ACT The EXHIBITS attached will show direct violations of 15 USC 1692e ( A ) the legal status of a debt 15 USC 1692e ( 3 ) the implication that any individual is an attorney The EXHIBITS attached will show direct violations of 15 USC 1692b ( 2 ) Stating the consumer owes a debt 15 USC 1692b ( 3 ) Not communicate with any person more than once 15 USC 1692b ( 5 ) the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Credit reporting

At the time of this visit to the hospital I was fully insured. I was not made aware that this doctor was NOT a regular on staff physician for XXXX XXXX XXXX and would send a separate bill for his services. My insurance has a binding agreement with this hospital for charges and this charge far exceeded that agreement. I am NOT responsible for these charges. 
XXXX such as this should be made to function under the agreed upon charges as stated in the contract with my medical insurance.
Product: Checking or savings account

I filled a complaint about bank of america already complaint id XXXX the company answered you they need more time excuses they sent me to collection company with out researching the transaction they said they told you they need more time, here is the email and letter they sent me this is a clear violation to you and me. 
they are buying time to put on my credit report and to deceive your process this complaint needs to be research by you in detail. 
this is complaint number 2 XXXX XXXX ( XXXX ) Mr. XXXX, Thank you for contacting XXXXegulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2020, to confirm that information. My days and hours of operation are Monday through Friday XXXX XXXX to XXXX XXXX Central. 

Please note that we will be responding to your concerns via a secured email. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or one of my colleagues will return your call within 48 hours.

This communication is for informational purposes only and is not an attempt to collect a debt. However, Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt.

I have proof from merchant they lied XXXX XXXX XXXX XXXX, Resolution Specialist Regulatory Complaints Department Phone : XXXX Extension XXXX C- XXXX
Product: Debt collection

Account Control Technology is attempting to collect a debt they say I owe. For XXXX XXXX in XXXX, Mn.. I do not owe this debt, My Identity has been stolen for the third time in a year, your agency has handle the first two successfully. please help once again. I have only been contacted by this collection agency by phone so far. and have written them and XXXX XXXX a letter to cease and desist further collection harassment as I have no legal obligation for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an account without my written instructions.
Product: Credit card

I am having trouble paying off a debt I incurred with the original credtor pay pal credit. They then transferred the debt to XXXX on XXXX XXXX of 2014. I called XXXX and they said they sent it back top pay pal. I owe over XXXX dollars I want to pay my debt but I cant find it Its in limbo. Neither company will trace the debt and help me I have called multiple times
Product: Debt collection

I dont have no knowledge of any debt owed to any of these companies associated with the account names and numbers listed below. I do not owe them any money! 

Cavalry protfolio # XXXX Amount : XXXX XXXX XXXX # XXXX Amount : XXXX XXXX XXXX XXXX Amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 20 unauthorized inquires on my XXXX, XXXX and TransUnion credit report. I wrote a letter explaining that these were unauthorized inquires and that I would like for them to be removed to make sure my credit report was accurate as possible. XXXX investigated and deleted the inquires but XXXX and TransUnion failed to respond or take action about the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be XXXX, Equifax and XXXX XXXX. I have been trying to work on my my credit scores since late XX/XX/XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stolen information from the EquiFax cyberbreach.
Product: Debt collection

Have made Several payment settlement XXXX XX/XX/2018 XXXX/218 and XX/XX/2018 on the first set I needed them send me the agreement in writing called them in XXXX several times trying to see where the letters were and find out what date they were mailed out XXXX acct was for XXXX and XXXX and acct with XXXX XXXX for XXXX XXXX These Two Accts. were to be paid by XX/XX/2018 and if I needed more time I was to call them in may I called them again and told them that I still had not received the letters I spoke to a XXXX he then told that the letters were not out because I needed to give them Permission to contact me and call me I ask a fax number so I could send them what they needed XXXX gave me a fax number to fax the release I tried to and their fax was not working I called the back they gave me another number it did not work so I mailed them to them and onXXXXorXXXX  of XXXX I called them back to see what was going on I was connected to a Operation Manager she told me that to email her the release and then she would send me an email reply to them by say that I Agree and they would email me the Letters and she would put it until XXXX I never received the email so I called them again and this XXXX they told me that the pay off agreement was no longer and that I need to a higher amount on accts I am still waiting for the email payoff agreement I now think that this their way to get more money I also asked to speck to Corporation., was told that they had no way of connecting me with Corp because of this I have Lost my funding and my3.5 % rate is gone the home was sold to a new Buyer
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2025 Experian verified and an validated this XXXX XXXX XXXX account XXXX after reinvestigation. Experian failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. Furthermore This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. Two different agencies reporting information differently which one is accurate? There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, Lexis Nexis verified inaccurate public information of bankruptcy on my consumer report. Lexis Nexis indicated that their company deleted this information effective XX/XX/2022, followed by stating they would mail a resolution notice verifying their action of deleting this information. On XX/XX/XXXX. 2022 I again requested a copy of this notice for my records informing Lexis Nexis that no notice had ever been mailed. Lexis Nexis agreed to resend the notice and complete a manual dispute of this info with all 3 credit bureaus. To date I have not received any notice of this deletion as requested.
Product: Student loan

I attended XXXX XXXX XXXX. The school shut down and filed for bankruptcy before I could finish the program and graduate. I was forced to take out private loans that I am being forced to pay even though I did not receive the education I signed up for. I am being forced to pay for nothing.
Product: Credit reporting or other personal consumer reports

please remove these UNAUTHORIZED Inquiries from my report. 

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/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XXXX 2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a notice of dispute directly to your company because I was unaware of 3 collection accounts on my credit report. I NEVER RECIVED A RESPONSE FROM YOUR COMPANY. I am disputing under the FDCPA Because I dont recall receiving any initial communication from any of these companies or my notice of debt contents from any of these companies pursuant to section 809 of the fair debt collection practice act. I am demanding the company provide me with proof of initial communication and proof of delivery of my notice to debt contents PRIOR TO furnishing this negative information on my credit report before the completion of this 30 day investigation. The company can send proof to my address written above. If the company can not provide me with my requested demands before the ending of this 30 day investigation I need you to delete from my credit report immediately.
Product: Checking or savings account

Hello, I'm reaching out because of Dollar Bank and charging me overdraft fee too many times multiple times a month. I dont understand how I got overdraft when I get my paycheck for example today XX/XX/2023 and they charge me {$72.00} for XXXX different transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was a lie. The payment history is showing unknown therefore it is an unverified account reporting to my credit.