23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been repeatedly called by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) and threatened with legal action regarding a debt. 

I have contacted the company several times and asked for the information regarding the debt. They claim that the debt is from " XXXX XXXX '' which was later acquired by HSBC. 

They claim that the account was opened on XXXX XXXX, 2009 and charged off in XXXX of 2009 with a balance of {$780.00}. They can not or will not answer what kind of account it was or what the charges to the account were. 

They have promised to send legal information to my address numerous times. I have verified my address with them and called to see when they are going to finally send the paperwork. 

It is obvious that they are a last-ditch debt collection agency and when I confront them about it they either hang up, become argumentative or use profanity and abusive language. 

Any requests for basic information, such as an address, are met with questions, lies and more profanity or abusive language.
Product: Debt collection

Hello back in XX/XX/2021 i had XXXX internet, there internet was week so i called and told one of the representatives that the signal kept going out so i decided to leave XXXX  internet so i paid XXXX internet {$120.00} dollars and XXXX and i told the representative to cacel my service i was going to another internet provider .this was XX/XX/2021 i had settled my bill with XXXX  XXXX. Idon, t know why they are trying to get money from me that i don, t owe i disputed this clain before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX  XXXX  ( inquiry XX/XX/XXXX ), Credit Acceptance ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding several unauthorized hard inquiries on my Equifax credit report. These inquiries were not authorized by me and are inaccurate. Despite my efforts to resolve this matter directly with Equifax, I am seeking the Consumer Financial Protection Bureaus ( CFPB ) assistance to ensure my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 



1. EQUIFAX MORTGAGE SERVICES - Date of Inquiry : XX/XX/year> - Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX  - Date of Inquiry : XX/XX/year> - Description : XXXX XXXX. XXXX XXXX XXXX  - Date of Inquiry : XX/XX/year> Under the FCRA, companies must obtain explicit consumer authorization before performing hard inquiries on a credit report. As these inquiries were not authorized by me, they violate my rights under 15 U.S.C. 1681b. Additionally, my attempts to dispute these inquiries with Equifax have not been satisfactorily resolved within the required timeframe outlined in 15 U.S.C. 1681i. 


1. Investigate the unauthorized inquiries.

2. Remove the disputed inquiries from my credit report if found to be unauthorized.

3. Provide documentation from Equifax and the companies listed, verifying the legitimacy of these inquiries. 


I have included : - A copy of my Equifax credit report highlighting the disputed inquiries. 
- Copies of my correspondence with Equifax regarding this dispute. 
- Supporting documents for identity verification ( e.g., government-issued ID and proof of address ). 

I trust that the CFPB will address this matter promptly to protect my rights as a consumer. If additional information is needed, please contact me directly. Thank you for your attention to this issue.
Product: Credit card or prepaid card

Capital One Venture One Visa Card. I have all of my credit cards set up for automatic monthly payments through my XXXX XXXX  account. Somehow, Capital One attached a Capital One checking account that I have not used in a couple of years for my automatic payment, even though I entered the XXXX XXXX information. On XX/XX/2019 the withdrawal was denied because there were insufficient funds. I did not receive a notice from the Capital One Visa card or the Capital One bank. On XX/XX/2019, they attempted the withdrawal again. I found out via a phone call at the end of XXXX that the card payment was over 30 days past due. I promptly set up the correct account over the phone and asked if the late fee could be reversed since I was never notified. I also asked that it be cleared on my credit report. I was told it was over 30 days past due. 
In XX/XX/2019, I sent a letter to all three credit bureaus asking that this item be investigated, as it was an error on Capital One 's end - I never attached that Capital One bank account for automatic payments. All three bureaus reported the issue was investigated and nothing changed on my credit report. As a result, my credit score has plummeted from XXXX to XXXX then went back up to the mid 600s, where it remains now. Two of my creditors closed my accounts immediately. Four of them reduced my available credit immediately. One raised my interest rate. This has resulted in further dropping my score as my percentage of used credit has increased. Capital One then changed my minimum amount due from {$53.00} per month the {$270.00} per month. In XXXX, I wrote a letter to Capital One asking that this item be corrected. There has been no response. Now I am receiving invitations from Capital One to take out an auto loan. It is as though they have destroyed my credit for their benefit. I have not had a late payment in the past 7 years. I would like to have this item removed from my credit history. Please help in any way you can. Thank you.
Product: Credit reporting or other personal consumer reports

I filed various disputes and one complaint that XXXX XXXX and Experian are reporting one late payment on my closed account. It was removed and a month later a late payment was added to my account. I need it removed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX. Someone is impersonating me and stole my identity. I am requesting that any other variation of my name be deleted because its wrong, thats not me. 

My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove every other address because no mail can be delivered to me through the Post Office, to these addresses and are therefore not reportable according to the Fair Credit Reporting Act ( FCRA ). 

I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX | XX/XX/2022 You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. 

I look forward to your response. Thanks
Product: Mortgage

XX/XX/XXXX we finally got the assumption packet from Carrington after having to call and do escalation requests. Since the buy completed all documentation requested by Carrington so they could assume our loan. They company refuses to give us a stats and merely sends an email that's says, " packed submitted to underwriting, it typically takes 5-7 days '' the buyer will be notified. However the package was submitted on XXXX XX/XX/2023 and we still have not been given an update. We only receive the same 5-7 day timeline which they have already passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just Check my Credit and I notice some fraudulent Activity. I have  Never use My Credit, there should be not be any accounts on my Credit I did Not give Anyone Authorization to open any Accounts using my personal Information I am a Victim of Identity Theft these Items should Not be on my Credit please help me fix this situation
Product: Mortgage

I have repeatedly asked for Mr. Cooper to provide to me the ORIGINAL NOTE that I signed. On XXXX XXXX, XXXX, they sent me an email! They later mailed a " COPY ''! This is ridiculous! A photocopy does not prove ANYTHING! IMMEDIATELY VALIDATE THIS DEBT or REFUND MY MONEY!
Product: Mortgage

Navy Federal Credit Union ( NFCU ) forcing me to borrow money for insurance when I do no need to borrow. 
I searched for,, squired, and paid for a mortgage insurance before closing on my mortgage, the loan processor insisted that I am doing it wrong, that the insurance is usually added to my monthly mortgage payment, then, paid the said amount into my account and added it to amount financed. 
Is this legal? to force me to finance the insurance
Product: Checking or savings account

Bank of America was fined {$250.00} XXXX by CFPB for botching the disbursement of state unemployment benefits at the height of the pandemic. Bank of America automatically and unlawfully froze peoples accounts with a faulty fraud detection program, and then gave them little recourse when there was, in fact, no fraud. I was sent a form stating if I received financial harm between XXXX XXXX thur XX/XX/XXXX from these action please submit documents. I sent BofA receipts from hotels, storage units, Ive sent them documents were I didnt full fill my payments on rent and was ask to leave. Ive sent supporting documents from the credit union regarding my vehicles being charged off on my credit for non payments. Ive sent them supporting documents showing them my credit card was charged off due to non payment. This have cause me and my family a great deal of PAIN. My credit went from XXXX to the low XXXX. All because on XXXX XXXX, XXXX I walk into BofA and made a complaint and on XXXX my complaint was denied without any due process from them using a faulty fraud detection program. On XXXX I submitted my documents to be compassionated for my financial harm. On XXXX I had to submit more documents. I did that 58 days ago. Since then Ive been getting stone wall for my compensation. Its been 75 days since my initial claim. Ive called and tried working with BofA on the matter and I am not getting no luck in the response.
Product: Debt collection

I received a letter from McCarthy, Burgess & Wolf in behalf of XXXX XXXX XXXX, in which they charge me {$1200.00} for an alleged service I received in Pennsylvania. Thing is, I have never lived in Pennsylvania and it is through that letter that I learned my identity has been stolen. The person in question has my social security number, and therefore my personal credentials. I filed an identity theft alert in all of my credit bureau accounts, and even did a report with IdentityTheft.gov. I have even done a police report concerning my identity theft problem. Since then, I called XXXX 's office on XX/XX/2020 to let them know of my situation. I also sent them a copy of my identity theft report on XX/XX/2020 to validate my claim. Today, XX/XX/2020, I received a letter from XXXX in which they claim they did an investigation and that I supposedly benefited from the service and therefore I owe that debt. They also say the balance is my responsibility. How can I live in two places at once? That's ridiculous! And of course the debt has been placed in my name, since the thief has MY credentials. They also say the investigation has been closed at this time, and the balance is due and payable on XX/XX/2020, and the letter got to me today XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand validation for these accounts validation means prove to me i owe this creditors by providing me with the original contract with my signature on it. nothing else is heresay! 


XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX XXXX account no. is XXXX .... 
XXXXXXXX XXXX  account no. is XXXX ..... 

if you do not have the contract delete all these accounts and pay me {$1000.00} for each violations of the FCRA
Product: Debt collection

onXX/XX/XXXX, I contacted XXXX XXXX XXXX in regards to a debt that this company purchased from XXXX XXXX XXXX  in an attempt to help repair my credit score. I was connected to my " account manager '' XXXX XXXX who indicated that I could settle the debt by making five payments of {$100.00} for a total of {$540.00} ( the amount of the debt ). I made the five payments to this company as agreed via money orders for which I have proof and proof that the company cashed all 5 money orders I  mailed to them. OnXX/XX/XXXX when I called to get a final payoff letter so that I can submit to the three credit bureaus, I was told by the representative that my account is still lacking two payments. When I asked to speak to a supervisor to attempt to clarify this issue, I was transferred to a XXXX XXXX whom said he was the supervisor. He also said my account was short 2 payments and really did not care to hear or investigate my complaint. I then asked for another supervisor or financial officer and was transferred to a XXXX XXXX who identified himself as the customer support supervisor. He offered to investigate my complaint taking down my information. When I called back on XX/XX/XXXX, I had to start the whole fiasco over again with representatives who had a very eminent language barrier and acted like they had no idea what I was talking about. to this date XX/XX/XXXX, I have not heard from this company in regards to this complaint, nor have they issued me a letter stating this account was paid in full. I feel this is a foreign call center whom is praying on individuals trying their hardest to pay off their debts. I feel they committed fraud by cashing these money orders as payments and then denying they were ever received. I don't want anything from this company except a letter stating my account was paid off in full so that I can submit to the credit bureaus to help rectify my credit. As consumers we have the right to this if we have done our part and paid off our debtor in full.
Product: Student loan

As 20 USC 1232g ( b ) states! No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. Which is part of The Family Educational Rights and Privacy Act ( FERPA ) a federal law enacted in 1974. That protects the privacy of student education records. 

the amount of {$3500.00} and {$6200.00} for the date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and many dates there of I have tried to get verification from XXXX XXXX of an address they reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has never been my address! Its my fathers address and hes deceased! Many other reporting errors from XXXX XXXX due to XXXX on my ex husbands card XXXX XXXX was reported as a past due when the card was closed due to XXXX and the charges were never proven or removed! But since he closed his accounts with XXXX XXXX XX/XX/XXXX and opened new ones with XXXX XXXX everything remained in my name which was disputed and written off completely by XXXX XXXX for failure to provide proof! Still remains On my report as past due balance when the case was settled and closed! XXXX XXXX is impossible to deal with and handles nothing properly after yrs of complaints!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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, have 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, credit repair services, or other personal consumer reports

The following companies are reporting fraudulent opened accounts that were opened without my consent or knowledge and I demand these accounts be removed or I will pursue legal action. Under the fair credit act section 609 I am protected. I have already filed a complaint with the better business bureau and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX The best service company is reporting a fraudulent account that was opened on XXXX XXXX, XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion regarding their continued reporting of inaccurate information on my credit report. Despite successful removal of these items by two other major credit reporting agencies, Transunion claims that the information has been verified, which I believe is not possible given the circumstances. I mailed in Disputes requesting verification of validation of debt and have not received anything. I have provided them with Proof of Identify as well as Proof of address and they continue to have other addresses on the report. The only address that should be on the report is XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX and the only variation of a name that should be reported is XXXX XXXX anything else should be removed.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

There are inquires that have been requested to be removed which are XXXX XXXX XX/XX/year> and XXXX XXXXXXXX XX/XX/year> in which i informed them that i don't recall giving my authorization for these inquires. 

There are several accounts that should not be reported which are XXXXXXXX XXXX with reporting balance of {$7700.00XXXX XXXX XXXX XXXX XXXX  reporting balance {$470.00} XXXX XXXX Reporting balance {$6100.00} XXXX XXXX XXXX reporting balance of {$0.00} XXXX reporting Balance of {$3700.00} when ever a dispute is place Transunion will either remove the item and place it back, change the debt amount or change the payment history.

In my case, two other credit reporting agencies have removed the disputed items, indicating that they could not verify or validate the information. This raises significant concerns about Transunion 's compliance with these legal requirements. Moreover, the Federal Trade Commission ( FTC ) has established guidelines that highlight the necessity for credit reporting agencies to remove unverifiable information. 
Given that the other two credit reporting agencies have corrected this error, its puzzling and concerning that this particular agency hasn't followed suit.

I respectfully request that the CFPB investigate this matter and ensure that Transunion complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. This issue is causing undue harm to my creditworthiness, and I seek your assistance in resolving it promptly
Product: Credit reporting or other personal consumer reports

Experian 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 in accurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

In XX/XX/2020, I signed up to try XXXX XXXX XXXX. I never received a copy of the contract, so I contacted the company to cancel. I was able to cancel with XXXX XXXX XXXX and asked that they put through a credit to the Citibank Credit Card I utilized. Instead of putting through a credit for the initial payment. XXXX XXXX XXXX keeps charging my Citibank ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 ). I was able to dispute the XX/XX/XXXX charge with Citibank but unable to dispute the XX/XX/XXXX, and XX/XX/2020 charges. I have contacted both XXXX XXXX XXXX ( XXXX, XXXX and XX/XX/2020 ), and spoke with customer service about issuing credit for the XXXX. 
Next, when I have reached out to Citibank customer service, due to COVID 19, I waited on hold, and when I made contact -- the customer service representative hung up on me. Due to this, I wrote a letter in XX/XX/2020 asking that the XXXX XXXX XXXX credit be addressed. Which no movement has taken place. 
Also, back in the beginning of XX/XX/2020, I had a XXXX credit carry forward on my XX/XX/2020 statement. Someone at Citibank changed my credit card, account number previously ending in XXXX to XXXX without my consent, and when they changed the card. The balance disappeared also.
Product: Debt collection

( XXXX ) XXXX @ XXXX XXXX Below is the XXXX Transcript of the voicemail- Hey, this is XXXX with account services pre-legal. Your account has been placed in my department and we need to get a statement on your behalf. If there's no intention of a resolution, obviously, if you do prefer an amicable resolution, please call or go online and get this resolved right away at ASG recovers, That is a is an account S as in Services, G as in group recovers that's recovers or again, just give us a call back at this number for a lake that's super important. We get this matter resolved once and for all is it has been outstanding for too long as it is by law. I am required to inform you. This isn't a collect the debt. Thank you very much.
Product: Checking or savings account

Citibank XXXX at XXXX ATM Cash Deposit didnt give me credit to my checking. I have talk to the branch Manger they didnt give my any credit at all need to wait 48 days.
Product: Checking or savings account

Capital one has failed to deposit my direct deposit from my employer and other incoming deposits. Capital one sent an email about technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds. I am requesting that assistance in an investigation is performed to ensure my rights are upheld. Thank you.