23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi on Friday XX/XX/year> I reached out to IQ DATA/ASSURANT to look into a debt that I was never made aware of to resolve from an old apartment complex I lived in. I explained the situation and immediately the rep was rude I explained that i could pay the debt but requested that it be removed from my credit report as its keeping me from getting into housing. I tried to set up payment for my next pay date which is the next week and he said that wasn't an option I had to pay in full today XXXX dollars or they wont remove it at all. I got angry and upset and I hung up. I decided to call back to see if I could get a more reasonable rep on the phone but it was worse he stated the same thing then told me to borrow the money to pay the debt if I wanted it removed. I pleaded with him and explained again that I was trying to resolve this then he proceeded to tell me that the prior rep is already taking action against me in some form but wasn't specific but it felt very threatening. I only just found out about this debt XXXX weeks ago.
Product: Checking or savings account

Hello and happy XXXX! Thank you for taking the time to help out, I really appreciate it! I wanted to please reach out because I had requested for my account to be canceled and closed so I can avoid the overdraft fees, however, due to my XXXX, the representative said that I have to physically go into a store, I explain to them XXXX XXXX, and how I am unable to go into a branch. However, now my account is completely overdrawn. Im trying to please bring a current, so its no longer in the negatives. However, I was charged quite a bit of insufficient funds fees. I am please requesting for a courtesy waiver on those insufficient funds fees. That way I can please bring my account current. Any help would be greatly appreciated! Thank you!
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to INTERNATIONAL CITY M XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or INTERNATIONAL CITY 's customer service representative.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found that the inquiry was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.
Product: Credit card

account/contract number : XXXX and XXXX I see that JPMChase has reported the account as Closed/Charged off which prompts me, the consumer, to request my 1099-c, which under Uniform Commercial Code is federal required to be provided. Pursuant the Articles of the Uniform Commercial Code, not providing consumer with 1099-c is a violation punishable under federal law.

I have also requested the full accounting pursuant Article 9 of the Uniform Commercial Code which is not the payment ledger. The full account shows the bookkeeping log for the mentioned accounts.

I have sent instruments to JPM Chase also to discharge the alleged debt via special deposit, which has gone ignored for over thirty days. I have sent out 1040v to the Internal Revenue Service which means the account was credited. See attached evidence. 

I also requested Arbitration with JPMChase and the request was also ignored over thirty days now. See evidence attached.
Product: Credit card

I was doing a XXXX balance transfer to my Wells Fargo card for XXXX interest. They pulled that amount from my XXXX but then they pulled {$8500.00} and the transfer fee of {$420.00}. I called as soon as I saw the extra XXXX on my card which put my XXXX in a negative balance. They were no help, told me to call XXXX but I refused as Wells Fargo requested the funds. I have called 10 times and waited the 10 business days and nobody will help me. This is fraud, it affected my credit score, interest payments on another card. I will offer any other info you need. 

Thanks for the help and guidance XXXX XXXX
Product: Debt collection

A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment. 
2 ) That all correspondence take place in written form only. 
3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period. 
4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Kovo INC is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Kovo INC the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, XXXX, and Kovo INC whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Kovo INC has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds 24 hours stating that 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 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. These are the accounts that I have marked as inaccurate. 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: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the portal and website that the company provided and receive notice when they receive the payment. One month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Debt collection

DEBT COLLECTOR IS NOT THE REAL PARTY IN INTEREST I DONT HAVE A DUTY TO PAY THIS PARTY I NEVER RECIEVED ANY BENEFIT FROM THIS PARTY I DONT HAVE A CONTRQACT WITH THIS OPARTY FOR THE COLLECTION OF THIS DEBT THIS IS A STALE DEBT OLDER THAN 4 YEARS.
Product: Checking or savings account

On Tuesday, XX/XX/2020, I viewed my checking account because I received a notification on my phone that my account was overdrawn and it should not have been. Upon researching my account as to the reason it was overdrawn I noticed the a provisional credit was reversed and debited from my account and I was charged an overdraft fee. The previous day, Monday XX/XX/2020, I withdrew from my account {$120.00}, in two separate transactions and they cleared. Those should have been the only pending transactions in my ledger with a remaining balance of {$4.00} ( receipts attached ). Suntrust bank manipulated the order of the transactions to  warrant the overdraft fee. I cant get an overdraft fee from a withdrawal nor from a reversal of a dispute credit, they chose a transaction that had already posted to my account to make it appear the reason for the overdraft fee. I called the bank to ask them to remove the fee and I will deposit the amount of the dispute credit to get my account out of a negative balance and they refused. I called the dispute department to file a complaint against Suntrust bank for a fraudulent overdraft fee. The representative that assisted me in filing the complaint is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting false information on my report. Even though the company has rectified the issue. The XXXX XXXX is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Product: Credit card or prepaid card

This is a complaint with Comenity Bank, XXXX XXXX. I paid my card off in XXXX which left a credit of {$49.00} ; I sent a letter to close my account and to indicate the account is closed by consumer. I also requested the credit back in a form of a check. They sent a letter stating my current balance will be continued being billed for the XXXX until paid in full. I want my credit to be returned as I overpaid and owe nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion tricked me into purchasing a monthly credit reporting subscription. Upon going to their website, TransUnion automatically directs you to a site that is marketing their monthly subscription. I know I am not the first consumer to complain about this. The only thing that is advertised on the page is " Get Your Credit Score. '' Written in tiny print at the very bottom ( WHERE YOU MUST SCROLL DOWN TO SEE ) is that it will charge XXXX per month. The problem I have with this is that it is the only place in the whole process that says you will be charged. Later on, in the process of getting your score, it says " Please Provide a credit card that is linked to your score, '' with the intent that they need a score to verify that my credit score actually belongs to me. Unbeknownst, they charged me for a monthly subscription. TransUnion is one of 3 free credit reports, and it is absolute XXXX that they are tricking customers into paying for a free score. After reading up, I realized that TransUnion has been caught conducting shady acts likes this before. If TransUnion does not reimburse the full amount, I will file a dispute with my credit card company. XX/XX/XXXX18.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Experian to update account info that should be listed on my credit report. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Innovative Recovery acct # XXXX
Product: Debt collection

I reviewed my credit reports for XXXX, XXXX, and XXXX   in XX/XX/XXXX and XX/XX/2018 and saw that XXXX XXXX through Diversified Consultants Inc. has a negative mark on all three bureau 's for a debt that is not mine. I disputed the incorrect information and it was removed from all three credit reports within the 30 day dispute time frame, except from XXXX, which took 45 days. I am trying to purchase a home, so I had the banks pull my credit files in mid XX/XX/XXXXand I had no open collections on any of my reports.

Today, I went to the bank to sign more loan paperwork and they pulled my credit file to lock in my interest rate and Diversified Consultant 's Inc has re-entered the XXXX XXXX collections account onto my XXXX   report without notification as required by law. I was not given any response time or a 5 day warning-the collection date was adjusted and it has resulted in my loan application being kicked back until this is fixed. This is sneaky and harassment and not my debt, yet I feel that I am being forced to pay it. I want this company to stop adding things to my credit report just because they have access to do so.
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report and noticed some fraudulent inquires that was made on my credit profile I called creditor and the credit bureaus, and they told me it was nothing they can do. I've also sent letters no response yet.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent credit inquiries from my consumer report. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : BANK XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

On XX/XX/XXXX of XXXX a loan was taken out in my name. The dealership along with Santander Consumer USA performed acts of predatory lending by using false and inaccurate on the loan application. My credit score on XX/XX/XXXX of XXXX did not meet the minimum score required to obtain a loan with Santander. 

I sent a certified letter asking for the original signed loan documents and any other information used during the loam process. Santander received that letter on XX/XX/XXXX of XXXX. I called on XX/XX/XXXX to follow up with them and they said they would email the documents. I asked them to mail them as the letter stated, they never mailed nor emailed the documents. It has been 45 days since they received my first letter for verification. This fraudulent auto loan account is causing unjust financial hardship for my family and I. Especially during the current Covid pandemic its been taking a huge hit to my credit scores and finances. 

I have sent out another letter to Santander Consumer USA asking them to remove this account from my credit report immediately since they failed to provide me the debt verification requested. Also I have sent a letter to the 3 major credit bureaus with the details of my dispute.
Product: Mortgage

Reference : CFPB Case No : XXXXLong story. Still find it WRONG! For a Bank to lie about needing a bailout, use that money to buy my bank and mortgage and refuse to help when asked and continue to act in a way that forced all the new regulations/California Laws that are supposed to prevent this. 
**HEY FEDS! I am in need of a bailout FOR REAL!!!! I will be HOMELESS very soon! And I am NOT lying!!! XXXX. After all the misconduct and run around and PNC now trying to run out the clock I have sent an official RESPA QWR to see what other inappropriate behavior might be happening. The latest it appears as I was told by an attorney the Due Diligence dated more than a year before NOD filing should VOID the NOD and foreclosure. But PNC will apparently proceed and force me to litigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint again due to the fact that in my initial complaint on XX/XX/2020, Experian responded saying this complain does not appear to be from me. Which makes no sense when I disputed in XXXX I submitted proof of identity and my police report, not to mention that those things were also attached to my complaint. 


In the month of XXXX I contacted EXPERIAN about errors on my credit report. I did not receive any correspondence back nor have these accounts been removed. They are hindering my financial right now. The accounts are as follows : XXXX XXXX - Last reported XX/XX/2020 - {$260.00} XXXX XXXX - Last reportedXX/XX/XXXXXX/XX/2020 -  {$190.00} - XXXX XXXX XXXX XXXX XXXX  ( Original creditor ) XXXX XXXX XXXX - Last reported XX/XX/2020 -  {$930.00} - XXXX XXXX XXXX XXXX ( Original creditor ) XXXX XXXX XXXX - Last reported XX/XX/2020- {$1500.00} - XXXX XXXX XXXX XXXX XXXX ( Original creditor ) These accounts do belong to me. And should be removed per 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Debt collection

Disputed amount owing on Timeshare maintenance fees. Requested clarification of amount for purpose of settling debt. Despite numerous attempts to contact via email, the issue remains unresolved. Apparently my property was foreclosed on without my proper notification or opportunity to settle outstanding amount.
Product: Credit card or prepaid card

I've had a paypal account for almost a year now. I've given them my social, my Florida drivers license, and paid many bills and fed my family pay paying through paypals credit card they gave me through XXXX XXXX. I cashed out my rewards points to my paypal account from XXXX XXXX  after using {$990.00} through paypal 's system with this issued paypal credit card from XXXX XXXX. As soon as I cashed out my {$11.00} to my prepaid debit card I INSTANTLY was permanently limited ( also known as banned forever ) from paypal. The customer care rep was rude, angry, insulted my good name and reputation, and refused to give me any reason why this happened and said that I am no longer wanted to do business with from paypal. They took my identity, they scammed me into using their credit card, had me rack up debt to almost {$1000.00} dollars, and as soon as I collected a benet for using my card they banned my account! I will not take this type of abuse tech companies seem to use with no accountability!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX  XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

From Januart of XX/XX/XXXXuntil XX/XX/XXXX XXXX XXXX XXXX XXXX reported my account as late when I was trying to catch up on payments. 

I attempted on many occasions to complete there mortgage adjustment process and apply for government assistance process and was consistently met with artificial obsticles and unhelpful support staff at Ocwen. They were never able to successfully qualify my account for assistance because of all of the red tape and obstacles created by their process. Additionally, in 49 states they have reached a settlement because of this abuse of customers. 

I have contacted Ocwen multiple times both in writing and by phone and inly get an automated response. I believe given their universally observed negligient behavior these late payment marks should be removed from my credit report.