23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never received a VALIDATION notification via mail or electronically, from this company, if they did send one, I'm requesting Proof of Delivery. 
I have also disputed this on all 3 of my credit reports, which I did have success with XXXX and XXXX, however it keeps coming back VERIFIED each time I have disputed with XXXX even though I provided documentation of the collection being removed from my other credit reports. 
I also don't understand how they are reporting TWICE on my credit report, with the same " Opened Dates '' and " Original Creditor '', just different balances, and the account numbers are the same except for the last two. 
This company 's violations have affected my credit negatively for the the last 3 years. 

I am demanding the two accounts be removed from my credit report. 
I am also demanding remedy for the following : Fair Debt Collections Practices Act 15 USC 1692g, 1692e, 1692f, 1692k FCRA 623 ( a ) ( 3 ) 623 ( a ) ( 1 ) ( a ) ( b ) Ignorance of the law is NO EXCUSE and being willfully non-compliant comes with a price.
Product: Mortgage

I began the VA mortgage assumption process with CMG Financial in XXXX New Jersey nearly XXXX  months ago, in XX/XX/year>. They have incurred significant delays in closing on this property. The processors in their Assumptions Department have not responded to dozens of emails asking for a timeline to closing, what steps remain to complete this process, or whether they have received documents that I have sent to them. Despite providing CMG Financial written authorization to correspond with the sellers, their realtor, and my realtor, all calls from us to the assumption processors go straight to voicemail and are overwhelmingly not returned. Likewise, the assumptions processors invariably do not respond to emails from these authorized parties and me. 
My escrow officer and I have had to send the assumption processors at CMG Financial multiple copies of requested documents for the consideration of their underwriting department. Despite this, the assumption processors continue to repeatedly request the same documents, sometimes weeks after they were already submitted. It has now been over two weeks since CMG Financial approved my mortgage assumption application, but they have steadfastly refused to send the closing documents to my escrow officer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite being under contract with the sellers since XXXX, I have had to give my adult son special power of attorney to complete this home purchase. Now I am concerned that CMG Financial will resist allowing him to sign the closing documents, thus, incurring further delays in moving to closure. 
The sellers have become increasingly XXXX  regarding this protracted timeline and I am concerned that they will pull out of this home sale ; By placing the home back on the market and selling to a party obtaining a conventional home loan, they may be able to close much faster, even though my loan assumption application has already been approved by CMG Financial. I am further concerned the collapse of this mortgage assumption has been the intention of CMG Financial, all along, as a VA home loan assumption does not appear to be as profitable as a conventional mortgage. 
In XX/XX/year>, I liquidated more than XXXX XXXX dollars in investment assets to provide the closing costs for this home sale. If the sale does not go through, then I will have in excess of XXXX dollars in damages from capital gains taxes and unrealized returns on these investments.
Product: Credit reporting or other personal consumer reports

When comparing my credit reports, there is a report from Experian on XXXX XXXX XXXX XXXX XXXX  ] showing a 30-day late payment for [ XX/XX/year> ] This report is inaccurate as the XXXX and XXXX do not show the same late payment.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about customer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified.

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX XXXX XXXX XXXXXXXX account is showing 30, and 60 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX complaint. 

Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX XXXX field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. 

Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! 

Sincerely XXXX XXXX XXXX
Product: Debt collection

I was born XX/XX/XXXX the hospital bills are from XX/XX/XXXX. When I called and told them I was a minor at the time and I could not be held responsible, they told me to write a letter to them disclosing my mother name and address and telephone. I was XXXX years old XX/XX/XXXX. There is no way I could of signed for anything legally at that age.
Product: Payday loan, title loan, personal loan, or advance loan

I have been receiving 8-10 texts per day, addressed to another person, telling me the loan has been approved. I called the company on the texts, Explore Credit. The first customer service person said unless I gave my SS # I could not speak to a manager. I asked them to please remove my number from their data base. They had heavy XXXX accents I could barely understand them. They told me they could not do this and I was referred to the Wakpamni Lake Community Consumer Complaint Tribe Hotline. They could not tell me where the company was located, only a XXXX XXXX in XXXX. I looked the company up on the XXXX XXXX XXXX of XXXX, their score was an F. They are not a registered company with the Georgia Secretary of State . I did some digging and found the name on the XXXX  site was linked to a few law suits involving other credit companies and the Wakpamni Lake Community Consumer Complaint Tribe Hotline. ( Case No. XXXX and Case No. XXXX XXXX XXXX XXXX XXXX ) I called the Wakpamni Lake Community Corporation of the XXXX XXXX XXXX and left a voicemail asking them to please remove my cell phone from their data base. 
The state of Washington has received numerous complaints about the tribe. XXXX XXXX XXXX. According to the U.S. Attorneys office, in XX/XX/year>, seven people connected to the WLCC case were indicted then arrested for securities fraud and conspiracy to commit securities fraud : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, a/k/a XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Was contacted many times at my work number. I deal directly with the public and always have a client or fellow associate near by. Told XXXX  every time she called please do n't contact me at my work number, but she continues to do so. Last time she contacted me at my work number I was in a meeting with my supervisor and our regional supervisor. I had to explain to them that it was a personal call and what it was pertaining to. I then was pulled aside and given a verbal warning from my supervisor about receiving personal calls at work. These calls are threatening my employment and need to stop. XXXX uses scare tactics when she contacts my husband, she will tell my husband if we do n't call her or make our payment she will be forced to call XXXX at work knowing she 'll get a response.
Product: Checking or savings account

I deposited a total of {XXXX in new funds to my Marcus savings account from two verified external accounts ( XXXX and XXXX XXXX XXXX ) on XX/XX/23 and XX/XX/23. I then scheduled an outbound transfer to a 3rd verified external account ( XXXX XXXXXXXX XXXX ) in the amount of {$100000.00}. The transfer showed as posted in my online account with Marcus on XX/XX/23. I then received a voicemail from Marcus customer service on XX/XX/23 telling me to call their customer service. I called and after verifying that I had authorized the transaction, I was told that Marcus was cancelling the transaction. I was told the reason for this was there was a 90-day " maturity '' period for new funds ( applicable to the {XXXX} ) to the account that needed to elapse before I would be allowed transfer them externally. I was told this was per my deposit agreement on XXXX XXXX. 

I reviewed my deposit agreement in its entirety and found no such related clause. The only potentially related language appears to be the following vague text : " We may place limits on the amount of funds transferred based on total dollar amount or frequency, and we will disclose such limits to you at the time you schedule your ACH Transfer. '' I wasn't told of any restrictions at the time I scheduled my ACH Transfer, but rather after it posted. I was also told that although I could transfer the new funds back out to the external accounts they came from, I would need to wait several business days for the funds to re-appear in my Marcus account ( and then several more days for each of the transfers out of Marcus back to Ally and XXXX XXXX to go through, followed by several more days to transfer out from XXXX and XXXX XXXX once the transactions post ), causing a great deal of financial hardship for much needed funds. 

I believe Marcus restricted my funds with an arbitrary and unwritten internal policy to keep my money in their bank.
Product: Credit reporting or other personal consumer reports

o Whom It May Concern : I am writing to dispute an item on my credit report. The item in question is : XXXX XXXX XXXXXXXX I believe this item is inaccurate and should be removed from my credit report for the following reasons : 1. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 

XXXX. Not my account I never signed or had XXXX Under the FDCPA, specifically 15 USC 1692e ( 8 ), it is a violation to report information to a credit reporting agency that you know or should know to be inaccurate. As such, I request that you investigate this matter and remove the item from my credit report.

Please provide me with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of my current consumer credit report, I noticed inaccurate information. I requested that they remove the information through the ( Big 3 ) Consumer Reporting Agencies ( XXXX, XXXX XXXX, and XXXX ) as well as sent requests to Service Finance Company LLC directly to remove the inaccurate information from all of my consumer credit reports that they report to, but they have refused. I have NOT retained an attorney at this time because Im hoping that with the filing of this complaint, they will understand how serious this matter is because I have noticed that the following Violations below that have been committed against me which are : The FCRA Violations due to the errors, inaccuracies, and incomplete information on my consumer reporting file are listed below. 
1. The inaccurate status is listed on the consumer reporting file.

2. The inaccurate balance is listed on the consumer reporting file.

3. The inaccurate amount stated for the Charge-Off is listed on the consumer reporting file. 
4. Missing information on the 1099C ( The Companys Phone # ) Per IRS Instructions for Forms 1099-A and 1099-C page 3 under Specific Instructions for Form 1099-C.

5. Missing and incomplete information on the consumer reporting file.

6. A complete misrepresentation of facts
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX MI XXXX 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuously adding falsifying information to my report without validation. For example on case with CFPB XXXX, a request to have fraud alert removed from my credit report because I am having trouble with things still being added without consent that any company contacted me. XXXX stated that they will remove the alert. Well on XXXX XXXX I received an alert from a credit monitoring agency that something was added to my report. After contacting XXXX to ask what was added XXXX stated that they received an update from XXXX for an extended fraud alert was placed on my report. I also received in the mail from XXXX a letter that will be attached that I requested this information. This is false. I never requested the information to be added. I have not asked XXXX to represent me in no way shape or form. Your case above shows evidence that a request was placed to stop the fraud alert and they acknowledge. This goes to show this company is not trustworthy. Also I disputed several different items on my report and according the file that was sent to me by XXXX that the investigation was completed and the notes will show either " verified '', " deleted '' or " updated ''. Everything in the file # XXXX states consumer disputes or consumer disputes reinvestigation. Nothing showing anything was VALIDATED not Verified but VALIDATED. XXXX is not trustworthy and adds items to consumers reports without consent or validation. I asked that the items in my credit report circled and notated be removed immediately from report and that XXXX  contact the other agencies to have them update my information as well. Also please note that in XXXX XXXX was sued by XXXX XXXX when she was denied for credit and saw that information on her credit report was not valid. According to her case which is similar to mine in XXXX she disputed with XXXX about inaccuracies on her report several times including the time when they told her that her file was mixed up with someone else but she had to dispute the information. Currently this year XXXX and XXXX are currently being sued for misleading information to consumers. Again this is an example of this companies trustworthiness.
Product: Mortgage

I am filing a formal complaint against Citi Bank for multiple violations of federal consumer protection laws, including the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), the Electronic Fund Transfers Act ( EFTA ), and deceptive practices under the Dodd-Frank Act. Citi Bank has engaged in discriminatory, deceptive, and unfair practices regarding my credit applications, account access, and trading activities.

1. Unlawful Adverse Credit Action Notices : XXXX XXXX, 2025. Most recent.

I applied for a mortgage rate assessment with Citi Bank, which involved only a soft credit pull. Despite this, Citi Bank denied my application and provided a vague adverse action notice stating : Delinquent credit obligations ( paid/unpaid ) on credit bureau . 
Citi Bank failed to provide a clear and specific reason for the denial, violating 15 U.S.C. 1691 ( d ) ( ECOA - Regulation B ) and 15 U.S.C. 1681m ( a ) ( FCRA Adverse Action Notice requirements ).

There are no delinquent accounts on my credit report, only a disputed insurance collection with Geico, which should not impact my credit standing.

2. Fraudulent Change of Loan Application Type Without my consent, Citi Bank changed my mortgage application into a personal loan application, which I never requested. This deceptive action violates : 12 U.S.C. 5531 ( Dodd-Frank Act Prohibitions on Deceptive Practices ) Fair Lending laws under ECOA Citi Bank should provide written documentation proving that I applied for a personal loan.

3. Discriminatory Credit Practices & Deceptive Preapprovals I also applied for credit card preapprovals, but Citi Bank declined my applications based on inaccurate credit data. Given my strong installment loan payment history and lack of delinquencies, Citi Banks repeated denials suggest potential discrimination under : 15 U.S.C. 1691 ( ECOA Prohibition of Credit Discrimination ) I request an investigation into whether Citi Bank is unfairly using disputed collections or other pretexts to deny credit access based on discriminatory practices.

4. Unauthorized Account Restrictions, Ledger Manipulation & Missing Funds Citi Bank has repeatedly : Restricted access to my bank account funds without cause Incorrectly adjusted ledger balances, creating artificial deficiencies Withdrew {$100.00} from my account without authorization, causing a negative balance Placed trading restrictions on my brokerage account, falsely labeling me as a pattern day trader and applying margin call restrictions unfairly These actions violate : 12 CFR 1005 ( Regulation E - Unauthorized Transfers and Access Restrictions ) FINRA Rule 4210 ( Margin Requirements ) & SEC Trading Regulations ; The Bank is causing me to lose money with the brokerage because of having to place a phone call to complete the selling of a investment stock, and not following process to ensure reimbursement for the lost proceed.

I have already filed a FINRA complaint regarding Citi Banks improper margin adjustments and trading restrictions. I request CFPB intervention to investigate Citi Banks manipulative account handling.