23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am submitting this complaint on behalf of my XXXX XXXX XXXX father. He purchased what he thought was health gummies that were purporting to cure XXXX from a company based in Florida for what he thought was XXXX. However, when he gave them his credit card he was charged XXXX. Once his realized this, he immediately contacted this company to cancel the order and they refused, claiming that the order had shipped. My father then contacted me to help him and I contacted Capital One on XX/XX/2022 to dispute the charge with my father on the phone. Because I had read that this company has been fraudulently taking advantage of consumers and will charge the account again when disputed, I asked the Capital One to cancel the credit card and to send him a new one. We were instructed by the agent to immediately return the product upon receipt and to take pictures of everything. Once he recevied the product he immediately returned and we documented everything. However, once the company received the returned product, they immediately re-sent it and charge my father 's canceled Capital One credit card XXXX again XX/XX/2022. The credit card company applied the new charge to the new credit card while we were disputing the previous charge. My father did not authorize this secondary charge and we did not understand how this could happen since we canceled the original card. I contacted the credit card company and explain all this and I was told to submit all documentation I have regarding this, which I did. The credit card company has refused to dispute the second charge and the company who sold the product is not responding to my father 's request for a refund, even though his has returned these gummies twice at his on expense. He has not received another shipment or communication from this company. The last response I received from Capital One is that we have to find a similar merchant that will provide an affidavit stating that this product was not worth the cost and its claims were unsubstantiated. This company is a fraudulent company taking advantage of seniors. The billing on the statement is XXXX XXXX. It is XXXX oil gummies claiming to cure uncurrable XXXX. Where will I get such an affidavit and from whom? Capital One is refusing to dispute the second charge, even though it should have never occurred.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 information is inaccurate.
Product: Debt collection

Commonwealth Financial System submitted a negative report on my credit bureau for an attempt to collect a medical debt of {$160.00} that I never received any advance notification for. I spoke with their representative for the first time 2 weeks ago and paid the debt on XX/XX/2021, however they submitted a negative report on my credit bureau. I want them to remove the negative remark from my credit bureau as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

To whom it may concern, In approximately XXXX, my wages were being garnished for a student loan debt by debt collectors of Eaton Group Attorneys. XXXX of XXXX I contacted Eaton Group and spoke to XXXX ( XXXX ) to inquire about this debt. I was notified that they had a 2nd garnishment for a XXXX credit card that they were then collecting on. I was not notified of this at all. So XX/XX/XXXX I received payments from Eaton Group in  approximately over {$800.00} for overpayment. 

In XX/XX/XXXX, I was sent a judgment letter against me rewarding XXXX XXXX   {$4500.00} for this XXXX credit card account. I once again never received court documents until they were supposedly filed against me. I notified Eaton Group Attorneys that I was seeking legal advice and needed more information on this debt. I always inquired about the statutes on this credit card since it was from XXXX, and the account was closed. In XX/XX/XXXX I received more documents where their was a court date and I was not notified. The supposed judge issued a wage garnishment for this account from XXXX. I sent a written correspondence to Eaton Group requesting more information and why wasn't I notified of a court date. I also advised them to submit all info regarding this to my attorney. I heard nothing, but my wages began being garnished on this 20 year old account. 

After contacting XXXX regarding this issue, they had no knowledge of the account being open and were no longer collecting. After carefully looking over my credit report, this account from XXXX is open without my knowledge with an credit limit of {$3500.00} in which I did not authorize this account. XXXX credit bureau could not give me any information or had no knowledge of this account. So I have a 20 year old account where my wages are being garnished and a open credit card account I did not authorize. Eaton Group Attorneys has failed to submit information from XXXX.
Product: Debt collection

XXXX is sending me a bill for physician services, however I do not believe the debt is mine. I have asked for proof twice, that this is my bill. They still are not providing it to me, I do not spell my first name with a XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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
Product: Debt collection

I request the removal of the Consumer Adjustment account from my credit report, as the original creditor, XXXX, sold my account to Consumer Adj, a collection agency, without providing the proper notification. This action is a clear violation of my rights. Additionally, this account is not being reported by the other credit bureaus.
Product: Mortgage

My home mortgage was acquired by Roundpoint Mortgage Servicing LLC, and I received a letter informing me of such in XX/XX/XXXX. Prior to Roundpoint 's acquisition of my mortgage, I had requested of the prior mortgage holder to have the purchase mortgage insurance ( PMI ) fee removed. I reiterated this request with Roundpoint on XX/XX/XXXX. Only with repeated calls and emails to Roundpoint was my request addressed this summer. I was told by Roundpoint that the PMI could only be removed through a formal appraisal through Roundpoint at my expense. I agreed to proceed, although the cost, charged to me, seemed exorbitant. Eventually the appraisal was done and the PMI was removed, but not until XX/XX/XXXX. Prior to, immediately after and dozens of times since Roundpoint sent an appraiser to my home, I have asked for a copy of the appraisal. It has not yet been forthcoming. 

Roundpoint was apparently acquired by XXXX XXXX XXXX XXXX ( publicly traded on XXXX as XXXX ) in XXXX. My experience with Roundpoint customer service has been appalling -- unanswered emails, hours unsuccessfully trying to get a real person through their customer service phone number, people unwilling to share their names or any way to get back in touch when I did speak with anyone directly, assurances that the required home insurance billed to Roundpoint would be paid through my escrow account ( which it was not ), unfulfilled promises to provide a copy of the appraisal to me, etc. Instead, Roundpoint tried to sell me insurance through them for my home.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Details are as follows : collection/charge off XXXX  Account Number : XXXX XXXX CARD Account Number : XXXX XXXX CARD Account Number : XXXX XXXX  Account Number : XXXX XXXX CARD Account Number : XXXX XXXX CARD Account Number : XXXX late payment XXXX XXXX XXXX personal information Previous Address ( es XXXX : XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current XXXX ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX X CANCEL XXXX XXXX, CA
Product: Credit card

I am disputing the collection account with COLUMBIA DEBT RECOVERY account XXXX, dated XX/XX/year>, with a balance of {$3600.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that COLUMBIA DEBT RECOVERY provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

I have sent several requests to Pinnacle Credit Services per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company in XX/XX/XXXX which has well surpassed the 30 days allowed by law for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBF Services is reporting a collection on my credit file that needs to be removed. I have been disputing the account with them and the bureaus and this has not been removed. I was not aware about this debt and as soon as I was I paid it off immediately. I only found out because it was on my credit, I never received a 30 day right to dispute notice. This is a violation under the FCRA and for that I ask this collection be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 information is inaccurate.
Product: Mortgage

We had a toxic unsustainable interest only loan on 1st mtg XXXX. Unable to continue with this interest amount after 10year interest only ended and filing bankruptcy we opted, after filing complaint to CFPB in XXXX and lowering our interest rate to stay in our home that was deeply underwater. We are current on 1st and property taxes, same lender. 
My complaint today is about another toxic unsustainable 2nd mortgage loan, interest only for 10.25 % for first XXXX XXXX XXXX After that amount would increase to XXXX for the remainder of the loan. Bankruptcy recession being over XXXX grand underwater took a toll on us but we wanted to stay in our home. 
This was XXXX for amount XXXX $ We managed paying this from XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ that like the other loan got us no closer to paying down our loan. 
To this day boy a has changed services 2 maybe three times. Green tree and currently XXXX XXXX XXXX XXXX to name two. 
Since XXXX we tried to get some resolution to this for them only to offer us a lower monthly payment but tack on XXXX more years to the loan. 
Up to date we may receive a letter for how we can prevent foreclosure, short sale, payment plan, resolve lien for less than amount. We have not responded over the years and continue to be current on 1st mortgage. 
The loan was for XXXX $ I am unsure why the balance is XXXX XXXX 
I feel BofA should release the lien
Product: Checking or savings account

On XX/XX/2025 I attempted to deposit {$340.00} at US Bank ATM in XXXX WA at XXXX XXXX XXXX, XXXX WA XXXX. I used my US Bank XXXX XXXX was depositing cash. 
The machine accepted XXXX XXXX meaning it took the money in, but the last XXXX $ bill, it would not accept. A receipt did not print out for the XXXX $ I deposited. Only a message telling me I had to go into the bank. I went on and spoke to XXXX who told me they had been having trouble with that machine. He told me it was not showing my cash deposit of XXXX, $ and that I would have to wait until the machine was checked before I would get any credit for that deposit. On that date I gave him that {$100.00} bill that didn't get accepted in the machine and he credited my account with that {$100.00}. He told me to come back in a couple of days. When I requested a receipt for my money I had put in he said oh no I'll be here don't worry and I said no I need something saying that I put this money in there. So he gave me a printout of a complaint about the ATM and the lack of crediting my account. 
Since then this has been a nightmare. I keep calling the bank and they transfer me to claims. After speaking to numerous people of whom some of the names I have written down. On XX/XX/2025 I was credited with {$140.00} instead of the {$240.00} that I was missing. 
Now I'm calling the bank again getting told that they submitted another claim for the last {$100.00} I was not credited for but I'm getting no results. I keep getting told the same thing that someone did something wrong that the complaint was not filed properly by the customer service people, and on and on. 
Now a manager will not get on the phone with me. I have never had this happen with the banking institution. I need help. I am short {$100.00} that they owe me and I refuse to let this just go. 
Please help me
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my Transunion and XXXX reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a large amount on my " XXXX Credit Card, '' but in Equifax system appears as if the balance has increased. I do have a paid service with Equifax for a long time. 
I have tried to enter a dispute claim in Equifax website, but system is not working. 
I do have copies of the current balance in my credit card and also a copy of what Equifax is showing in my file. 
It is strongly suggested to others, to monitor their credit cards, balances and credit reports very closely.