23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ocwen lona servicng XXXX, XXXX, XXXX XXXX, XXXX debt collector above the law, gaming the sysyem, a pattern as attached will answer XXXX, Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. 
judge rule for hearing on XXXX/XXXX/XXXX hearing date XXXX/XXXX/XXXX law firm debt collector back-dated information set sale date for XXXX/XXXX/XXXX beacuse they are above the system, gamiing the sysytem mailed dated sent for sale date was stamped XXXX/XXXX/XXXX denial my right to defend, knew the documnets file in court was fraud the assignments document fraud to game the sysytem they set a sale dat before the hearing, this a partner with this firm XXXX, XXXX, XXXX XXXX, XXXX, of XXXX, XXXX as atthached
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried reaching out to equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent.I was unable to get this resolved after multiple attempts to dispute. The inquiries in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested info about account and received some of what I requested.reading through all Info there was still info missing
Product: Credit reporting or other personal consumer reports

Two loans were fraudulently applied for in my name and filled out by XXXX XXXX of XXXX XXXX and his in-house staff. These fraudulent loans were submitted to Solar Mosiac to obtain two construction loans. Solar Mosiac then sent XXXX XXXX approximately $ XXXX in XX/XX/XXXX. In XXXX of XXXX, I began to receive notices of a bill for these loans, which also appeared on my credit report ( hard inquiry, and the reporting of two loans approximately $ XXXX each ). I never met XXXX XXXX, nor have I met any of his employees. I never contacted XXXX XXXX, nor have I spoken with any one of his employees. I never authorized XXXX XXXX, nor did I authorize any of his employees, in person or in writing, to check my credit or submit an application for home loan construction. I am not satisfied with just the cancellation of the loans. I would like the hard inquiry removed from my credit report, because XXXX XXXX and his staff at XXXX XXXX along with Solar Mosiac conspired to commit fraud against me. Solar Mosiac refused to fully acknowledge the fraud nor any culpability and responsibility to do good faith business.
Product: Debt collection

I received my credit report and saw that a company called XXXX XXXX was collecting a debt from me for medical services at XXXX XXXX XXXX XXXX. The date of service was in XX/XX/XXXX. I paid payments to XXXX XXXX XXXX over a period of 6-12 months. XXXX XXXX refuse to remove the debt since it was already paid, however in XX/XX/XXXX we can to an agreement and it was remove XX/XX/XXXX by all three bureaus .Now XX/XX/XXXX its back reporting on XXXX XXXX for XXXX dollars more than the original amount of XXXX dollars. It is now being reported by Wakefield and Associates for XXXX XXXX. XXXX was collecting for XXXX XXXX XXXX. Each time this debt is remove, paid or debt with another company takes it over and devastates my credit yet again. I have requested Wakefield and associates to send proof and valadiate this debt which should have been done prior to sharing a collection with the credit reporting agencies, XXXX is disputing this debt how ever they have all the documents of when it was remove and allowed another collector to put it on my credit report. This needs to be remove and the company debt with for illegal deft practice.
Product: Credit reporting or other personal consumer reports

XXXX payment is incorrectly reporting late. The loan payment is due the XXXX of each month. The payment was made and processed through my bank account by the monthly due date.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> it's been 60 days and they haven't reponded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am victim of XXXX data breach. XX/XX/year> i send a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. From my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach
Product: Money transfer, virtual currency, or money service

This morning I tried to send all of my XXXX from Coinbase to a hardware wallet. I always send a small amount first to make sure the address is correct and that transaction was instant but when I tried to send the rest, XXXX XXXX at XXXX PST to XXXX it 's just sitting in the " PENDING '' status. Coinbase has no customer support you can even contact about this issue but on the support part of their website this is what it tells you, " If you sent litecoin from your Coinbase account and it 's still pending, this may be an error on our end that we 're working to resolve shortly. Please know that your bitcoin is safe and will be broadcast to the bitcoin network soon. We definitely appreciate your patience! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX Military XXXX  that works with XXXX. Therefore, my duty station changes and the type of position I hold, it is extremely hard to take off to handle business. Therefore, I rely on snail mail and the internet to conduct business. My complaint is with XXXX credit services and Equifax. I have submitted certified documents (social security number, mortgage statement, and driver's license) that were notarized proving my current and accurate address of where I live. And I have requested to have old addresses removed from my credit files due the old addresses are not deliverable to me by the U.S. postal services, and they are not reportable as per the FCRA, since they are inaccurate. Also, I have submitted identification documentation certified showing my name does NOT have a suffix. I have submitted my first dispute on XX/XX/2019. No response or update within 30 days. I resubmitted for the second time XX/XX/2019 on the Equifax and XXXX  website. As of today's date XX/XX/2019, still no response or update within 30 days from Equifax nor XXXX. Now, I am requesting this be rectified through CFPB. As a military XXXX    that holds a XXXX-XXXX   XXXX, it is imperative that this is resolved before I become a victim of theft identity. Thank you
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, which I dont understand. My usual check revealed unusual discrepancies that seemingly appeared out of nowhere. After refreshing the browser to see if it was an error, the inquiries were still present. Im incredibly upset and insist that the documents I provided are reviewed properly so this issue is resolved and doesnt haunt me in the future.
Product: Money transfer, virtual currency, or money service

I sent the payment through Zelle using my XXXX mobile app. XXXX told me this payment is pending and will not be received if this fraudulent person 's account is not verifiable. The scammer hacked other people 's social media, including my friend 's, and tricked me into sending money to her for investment purposes. She is enrolled in Zelle at XXXX. Her Zelle should be suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from Fedloan Servicing the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different Fed Loan student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120 day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on fed Loan servicing side and I need help to exercise my rights.
Product: Checking or savings account

On the afternoon of Friday, XX/XX/XXXX, I tried to transfer money out of my Regions checking account. The online transfer system would not let me make a transfer. I called the online help center, and they told me there was a hold on my account. I asked why, and they said there were no notes on why there would be a hold. They told me to go into a Regions bank to resolve the issue. It was late on a Friday afternoon. I had to leave work early to go into a bank, as I did not have access to my funds. 

I went into the bank located at XXXX XXXX XXXX, XXXX, TN XXXX on Friday afternoon and met with XXXX XXXX XXXX XXXX. She said she normally worked at another branch but was at the Regions XXXX Branch for the day. She said that she did not know why my funds were locked. She said that the online banking team should have put in a ticket to resolve the issue, but they had not. She put in a ticket. She gave me the business card of the bank manager and told me to contact her the next week. 

I attempted to contact XXXX XXXX, the branch manager repeatedly on XX/XX/XXXX and XX/XX/XXXX. I left many messages. Each time I called, I wad told that she was unavailable, at lunch, or at another branch. No one else at the branch would help me. I called online banking again, and they said they did not know why I had a hold on my funds. I called the branch again, and they said that due to internet issues, their phones were not working correctly enough for anyone to help me. 

The whole situation feels like the bank is giving me the runaround. No one will give me a straight answer. Every bank staff member just says they have no clue why my funds were unavailable. The bank staff member who may know will not return phone calls within a reasonable time frame. In general, if I have {$900.00} in my account, I should be able to use it. I want to know why there was a hold on my account so that I can avoid the situation in the future. 

Additionally, Regions did not notify me in any way that there was a hold on my account. Had I not discovered the issue Friday afternoon, I would not have been able to go into a bank branch immediately, but would have been surprised at some point over the weekend not knowing the issue, and unable to pay for goods and services. If a customer has a hold on their account, they should be notified of it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im viewing my credit reports and I have account information on them that I had no knowledge of the account information or transactions and it is identity theft and I have been trying to report this for two years with no response
Product: Checking or savings account

on XXXX XX/XX/, I called chase to check the status of a deposit for the 3rd time. All the previous calls i was told different answers and was given no concrete idea of what was happening with my XXXX check. Finally after to speaking to a supervisor i was told they check would be held fro 10 days and there was nothing they could do it was company policy. The check was coming from a insurance company and wells fargo. I then asked to speak to her supervisor and was told i would have to wait 2 business days for that supervisor to get back to me. Chase is MY bank and has been for years but is dong nothing to help me and i have never heard a company ever just speak more company line jargon to avoid fixing a problem and they fact that 2 different representatives gave wrong information yet there is not any accountability is just absurd. The only person that is suffering here si me as my money is being held hostge by chase and they have no accountability.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

My account with {$2200.00} was frozen by Citibank. I was told it was frozen for check fraud reasons ( without providiing any further info ) and was mentioned that it will be resolved in 60 days. It's been 90 days now without any resolution and further info, they even are not taking account closure request and return my money. My {$2200.00} has been stuck with Citibank for the last 3 months without access. 

I reached out to them thrice without any resolution, everytime I had to wait more than 30~45minutes.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the company 's response XX/XX/2023 they stated the address on file was apartment XXXX in which they sent all correspondence. I have never lived in apartment XXXX nor does that address show up on my credit report. I also did not make a phone call with the company on that made up date. What evidence do they have regarding a phone call I made and what was it about? My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. The address they are referencing is not on my credit report nor does that account belong to me as they have no contract with a wet signature. Please remove this item immediately.
Product: Mortgage

After a long period of unemployment, I missed a couple mortgage payments. I'm trying to stop from getting any further behind, but Suntrust is not giving me any mechanism at all to make a payment, directing me to a phone line with nobody answering it. I'm trying to give them money and they are trying to make it difficult, presumably so they can try and take my house.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ),

15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The account was with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation,
and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

I got a capital one quicksilver card at the beginning of XXXX, as a student. My initial credit limit when getting the card was {$300.00} although I immediately requested a credit line increase. I knew right away that $ XXXXper month would not support my lifestyle. However, as I reached my credit limit I would make payments, often many times within one month/billing cycle. As I made payments consistently, I requested another credit line increase, a couple weeks after getting the card. I was told I would have to wait 4-6 months before receiving a credit increase, although I proved that I could consistently pay my balance and on time. Since getting my card in XXXX, my account has been restricted 3 times, apparently due to the amount of payments Ive been making. The first time it was restricted I got an email. However, the second time it was restricted I made a payment, capital one processed my payment, but never extended me credit. They also did not notify me that my account was restricted, so I was waiting weeks for my credit to be restored. When I called, they informed me that when my account is restricted I would know but I did in fact not know until the representative told me after I called them. The third time, a few days ago, I called to unfreeze my account but they needed to contact my bank, which had already closed. I went 3 days without access to my card because I was never available to call capital one at the same time my bank was open. I was told that my account keeps getting restricted because I make too many payments within one billing cycle, but I need to spend more than {$300.00} in one cycle. I requested a credit increase right away and after some time, but they denied me. 

I was out of the country when my card was restricted 2 out of the 3 times and was unable to make calls from my personal phone. Capital one does not have an email to contact, which made communication about this very difficult and inconvenient.
Product: Checking or savings account

Citi bank showed when I opened new eligible checking and savings accounts and deposited {$15000.00} within 30 days and maintain a minimun balance of {$15000.00} for 60 days, I could earn {$400.00} bonus. I opend checking and savings accounts on XX/XX/XXXX, and finished depositing total {$15000.00} on XX/XX/XXXX, and kept money until XX/XX/XXXX. However, I didn't receive the bonus ( XX/XX/XXXX ). I called the bank serval times, and they didn't solve my problem. They seemed to spin things out for as long as possible. I need help. Thank you!
Product: Debt collection

American Express has turned my debt over to a debt collector in XXXX. This company has called various telephone numbers associated with the account ( including private cell phone numbers and work numbers ), has not identified who they are, but has discussed my debt with those who answer the numbers. They have called me personally claiming to be from American Express and ask for personal information including address, birthdate, and social security number - which I do not give. I have told them I will deal directly with American Express yet my friends, family, and I continue to get phone calls from unknown numbers, representatives who are from XXXX with an XXXX accent, and only identify themselves as being from AMEX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my Experian credit report I don't recognize. 


XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.