23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XX/XX/XXXX, XX/XX/XXXX, and Equifax on XXXX.It 's been over 45 days and I have yet to hear back from then. Both XX/XX/XXXX and Equifax are in violation due to not responding back in time. I'm highly demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting or other personal consumer reports

I notified the credit bureaus of misinformation on my credit report and they failed to fix the problem. I initially asked for an investigation and they failed to investigate properly and sent me a generic letter without making any corrections to my reports. I asked them how they validated the information and send me the results of the investigation and they failed to do so. I am frustrated at dealing with them. This should be a simple fix but they are making this difficult. They are not doing what the law states they must do and I feel like I am wasting my time trying to get them to fix it.
Product: Debt collection

I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/XXXX according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/XXXX that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or XXXX XXXX. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. 

I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XX/XX/XXXX I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.
Product: Checking or savings account

Capital one has frozen my bank account for a SBA loan I was approved for. I have spoken to the SBA and that indeed is my loan, I provided all necessary information. They are gaining interest on my money while holding it. When I was approved for the SBA loan through XXXX XXXX, they were informed I can have it deposited there with no issue. I have complied with giving all information that is required, including my loan approval. 

I am a XXXX XXXX and do not have a XXXX account. Furthermore there are no branches in my area to even walk into to do so. 

My money is all frozen. I can not do anything now, I have a family and my whole life is on there. Please, look into this. 

Many people have had this problem. Its wrong when we are hard working people trying to survive. We are not criminals, please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ABILITY RECOVERY SERVICE add a derogatory mark on my credit report pre XXXX XXXX Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contact or signature for this accused debt at all. All bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

I told the collector to not call me at my place of work, I can not have personal calls at my place of work. They continue to call and ask for me and be rude when I tell them not to call any more. I have told them twice to not call me at work AT ALL.
Product: Credit reporting or other personal consumer reports

I requested the removal of these inaccurate accounts from my credit report but I'm still seeing those on my credit report. Please block and remove those on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 


Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$600.00} XXXX XXXX XXXX  XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$11000.00} XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$7600.00} XXXX XXXX  XXXX  {$4900.00} Date Opened XX/XX/XXXX XXXX  Balance {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Accounts ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I just received an alert from XXXX regarding a collection for XXXX XXXX, this company has not notified me of the debt for me to tell this this debt is not my and that I previously had argued with another collection agency regarding the very same company. 
this collection agency has put on my credit report the collection as of August of this year with no phone number no date or anything regarding the debt. 
If they would have contacted me I would have told them that XXXX XXXX was sending bills to an address that was not mine nor where the charges on the account. 
I am not responsible for the debt due to fraudulent activity on the account that I no longer had and was with another XXXX service. 
this company is very fraudulent by putting activity as if it just happened not notifying the consumer to give them the legal XXXX days to show that it is not their debt. 
this company should get in trouble for the illegal tactics. no phone call, no letter, no chance of thirty days to argue just put it on and drop my score 25 points.
Product: Credit reporting or other personal consumer reports

In cfpb complaint XXXX I reported making timely payments on my Truist mortgage. They answered the complaint by saying my timely payments were applied to principal, and they were going to leave derogatory reporting against my credit. Please review this illegal practice. My online account where these payments were made were set up and established in their branch by their own assistant manager. She even made the XXXX payment for me!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts in my credit that do not belong to me, I have tried to fix this problem with Experian but they keep refusing to remove these accounts, they are leaving me no choice but to processed with legal action for violation of the FCRA.
Product: Debt collection

Porsche Financial Services engaged in the following actions : 1. Offers on-line payment option via their website 2. Website offers no ability to check payment history to determine outstanding balances, total loan balance or even access full account number 3. Amount shown on website is inaccurate and does not necessarily reflect amount shown on paper statements mailed to you 4. There is no way to download a copy of paper statement online 5. Calls to XXXX have resulted in agents saying that both the amount on the website AND the amount on the paper statement is correct but that the amount shown on the website only reflects invoice that " hasn't been paid '' not an upcoming invoice that is due in 2 days 6. I have plaid the amount shown on the website with every payment 7. Porsche Financial Services aggressive tacks on late fees and has reported to credit bureaus.

8. Despite paying what the website reflected as payment due every time, I continue to be told I am late with payments have been reported to credit bureaus as more than 30-days late
Product: Credit reporting or other personal consumer reports

I am filing a complaint AGAIN against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA )., which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), as highlighted in the CFPB 's recent administrative proceeding ( File Number : XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts reported for inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No one is sending me information verifying the debt. It is well out of the 15 day window and I demand each account be deleted. I am not asking for confirmation through a data furnisher. You all have not thoroughly looked into this, therefore it is not validated. Remove each account immediately. This is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX Balance and Closed Account with XXXX XXXX, as of XX/XX/2021. 
On XX/XX/2021 XXXX XXXX of Obudsman and XXXX XXXX  XXXX reported a Negative Remark to XXXX, impacting my credit score -54 points. 
I NEVER disputed my XXXX  Credit Report during the previous months, so why did XXXX or XXXX add Negative Remarks to my XXXX  Credit Report?
Product: Credit card

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681.

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX  Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Product: Debt collection

Your front door ran an amex card of the amount of XXXX which they admitted they wrongly ran and even wrote to american express about this at nothing has been done to rectify this situation other then have it get reported on my credit which has ruined me getting anything, The FBI is also involved
Product: Debt collection

Company at XXXX has called my employer repeatedly over the past three days. They have been told that employees can not take personal calls there. They even harassed my supervisor on her personal cell phone. The person at this company identifies herself as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

As of today, I am only one month behind on my mortgage payment for my condo located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. It is currently up for sale and I have already moved. The condo was purchased prior to the housing market crash, so I owe more on it than it is worth. I can not wait to get rid of it. 
My concern is that the mortgage company Dovenmuehle Mortgage , Inc. has not  been posting payments sent to them, and have not even cashed a couple of of checks I have sent them. Dovenmuehle Mortgage Inc ( DMI ) claimed not to have received a cashiers check I sent them from my credit union, but I have proof that they did receive it from my credit union, which I will attach. I also sent them a check from my XXXX XXXX Checking account, check number XXXX dated XX/XX/2018, which still remains outstanding/not cashed. 

These are a few of the problems that I have reported previously about this company. This is very serious, and this company needs to be investigated and shut down. The statements that they have sent to me are hardly ever accurate. Something needs to be done and action needs to be taken on Dovenmuehle. Dovenmuehle is making it difficult for me to get rid of the underwater condo, that I still must pay a condo fee on  every month plus utilities, which if costing me even more money I simply do not have, well at least until I can get this condo sold via a short sale.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX. 
15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAXXXX 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 INFORMATIN IS INACCURATE.
Product: Student loan

I tried to consolidate my loan into my home loan when purchasing my first house XX/XX/XXXX. Navient told me that unless I was getting an FHA loan to cut them a cash check with no 3rd party that they could not accept the money. I just wanted out of the interest rate nightmare we are all facing. Its going on 13 year now of paying off this loan and it still haunts my life even though I 've paid over the amount of the principle. I would like to save for my sons education however I am left trying to pay for a degree I earned XX/XX/XXXX. They call you to make sure you can make your upcoming payments. I also found this is a strange practice. 
I used to go over into the grace period when I was first eligible for repayment, I was XXXX and making XXXX a month with {$650.00} rent and {$190.00} car payment they still would not let me consolidate until many years later. It was basically a 3rd of my liveable income for a few years ( at the time it was XXXX XXXX ). I would get calls about when I was planning to make my payment every month multiple times and tried to talk to them about consoldation or hardship deferment and the representative would either hang up or tell me I was not eligable. None of it made sense. Literally years of run around to where you just throw up your hands and pay them as best you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions and or permission. 

XXXX XXXX, XXXX CREDITOR : XXXX XXXX XXXXXXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : # # # # # XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Debt collection

Ive been receiving multiple calls every single day for months regarding my account and the debt I owe. I understand what I owe and have contacted the company before about my issues. Im extremely tired of getting these calls and having to block multiple numbers from different people harassing me about my debt.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDIT CARD opened at XXXX XXXX on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card or prepaid card

Today XXXX I opened a flight cancellation claim for my Chase Sapphire Preferred credit card travel insurance benefit. XXXX requires cardholders to pursue a refund for expenses from the common carrier ( XXXX ). XXXX also requiers cardholders to state the amount pursued from the common carrier. However, the common carrier ( XXXX ) has not yet responded. So I am not sure why XXXX would state that the amount refunded by the common carrier ( XXXX ) is the amount I have requested from the common carrier ( XXXX ). This is misleading. I sent an email to XXXX asking for clarification. I also attempted to attach this information to my claim. However, when I attempt to attach this email to my claim I receive an error message each time. When I called the XXXX help line they told me that the system is in " maintenance ''. When I asked for an explanation on why the system would provide me with instructions to try again rather than a system maintenance error, the agent did not have an answer. When I asked the agent for an explanation on the refund amount she went completely silent. XXXX needs to fix these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Collection Agency Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Kindly refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, yet they are being reported as such.
Product: Credit card or prepaid card

The subject account is my XXXX Nevada XXXX XXXX Master Card. The communications have been with Cardmember Service, XXXX XXXX XXXXXXXX, XXXX, ND XXXX. The number on their latest letter is XXXX. 

I spent two nights at XXXX XXXX XXXX, XXXX North, XXXX XXXX XXXX, XXXX, CA XXXX. When I checked in on XX/XX/XXXX 2022, they collected a {$100.00} damage deposit. 

When I received my credit card statement, I saw that the damage deposit was charged to my card, even though I had done no damage. This company fraudulently charges that guests smoke in non-smoking rooms. If there was any scent of smoke, it came from the rattling old air conditioner. I complained to the hotel about several unsatisfactory aspects of my stay when they sent me a feedback form ; but unfortunately it was before I saw the charge on my credit card statement. 

I directed the credit card company to reverse the false {$100.00} charge, which they did on XXXX/XXXX/22. After that, I received a questionnaire about the nature of my dispute, which I returned with details after two days. 

On XX/XX/XXXX22 I received a letter ( dated XX/XX/XXXX22 ) from the credit card company which informed me that the reversal had been again charged to my account. They also said they had received no response from me to their request for information about my complaint. 

XXXX2022 I returned that letter to them and wrote that they were mistaken and that I had responded to their request for information only two days after I received it and that they can't be completely passive to my complaint about this unjust charge. That is the last communication between me an the credit card company. 

A XXXX search will reveal that there are many complaints about XXXX XXXX XXXX including the property in question, fraudulently keeping damage deposits. If I wanted to spend an extra {$100.00} on a room, I'd have checked into a higher class lodging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft this has been an ongoing problem over the past few years I had alot of fraudulent inquires from someone trying to obtain credit in my name aswell as several credit accounts opened in my name when this came to my attention I filed police and identity theft reports and I submitted a dispute with the 3 Major credit bureaus transunion XXXX and XXXX and requested this information be blocked from my credit file Of those 3 disputes XXXX and XXXX have since blocked this information and transunion sent me a letter stating they would not remove the 27 inquires and block the fraudulent accounts opened from identity theft even though I submitted all the documentation required by federal law to have them do so.