23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that require attention : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.8. Validate this account XXXX XXXX XXXX  Account Number : XXXX Delete at once9. I have been incorrectly billed. XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. It is my understanding that you will contact the relevant creditor for verification purposes. Should the creditor fail to provide adequate verification, I expect the removal of the disputed information. As per 15 U.S.C. Sec. 1681i ( a ), I anticipate the completion of this reinvestigation within 30 days from the receipt of this letter.

Furthermore, I kindly request an updated copy of my credit report to be sent to the aforementioned address. Please note that, as per the act, no fee should be charged for this updated report. Additionally, I request that correction notices be sent to any parties who have received my credit report within the past six months.

Thank you for your attention and assistance regarding this matter.
Product: Credit reporting or other personal consumer reports

* On XXXX XXXX, XXXX I noticed a " hard '' hit ( inquiry ) on my credit report made by " XXXX XXXX '' on XXXX 
* On XXXX, XXXX After much difficulty I found a company so named. And I wrote an email advising them of the situation and asking for clarification as to what took place. 
* On XXXX XXXX Finally, after 2 more very explanatory emails from me they finally responded with a tiny bit of information : That they " have a loan application as a cosigner to XXXX  on XX/XX/XXXX. '' And they asked me " if you spoke with the borrower about co-signing the loan? Do you know the borrower? '' There is no obvious way for any consumer to contact them. No phone numbers or address. Just a " robo-answer '' email address. 
On XXXX XXXX, XXXX I notified TransUnion and received an acknowledgment stating my " Service Request is being addressed by their XXXXXXXX XXXX XXXX ''. 
XXXX XXXX has been uncooperative and dodging my direct questions. 
Today I informed them that after researching their company, it's principals, and the XXXX  rating of " XXXX '' with more than 200 complaints, that I was going to contact any and maybe all of the following : the CFPB, my Legislators, the local D.A. and FBI offices. 

They have been in business for 5 years and surelyI can not be the first to register a formal complaint. 

( I'm being timed out and will continue. There's quite a but more that I have to say. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion the two accounts for XXXX and XXXX. These accounts were previously deleted from my credit report because they were reporting in error. XXXX ; XXXX and Transunion have recently started reporting these accounts again. This false reporting of these accounts is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have on multiple occasions disputed a XXXX XXXX XXXX XXXX  REPORT ON MY CREDIT FILE. 

XXXX continues to hold me accountable for fraudulent transactions on a bank account I opened in XXXX. Within two months my account was closed after my debit card was stolen out of the mail. Someone rented a XXXX XXXX  and made fraud check deposits and withdrawals at an atm. I disputed this activity and requested an investigation. 
XXXX, instead turned me into collections. 
XXXX, dispute numerous disputes filed, identity theft. Gov and police reports provided, continues to keep reporting this derogatory fraud account from XXXX. 

In addition, I am in THE STATE OF WASHINGTONS ADDRESS CONFIDENTIALITY PROGRAM and have only a po box for mailing. 
The credit agencies keep posting my physical address on my credit file putting me in danger. Ive expressed the need for it to be removed. While they did remove it. I have been receiving mail from all my creditors now addressed to my confidential address.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against MIDLAND CREDIT MANAGEM. This company has placed an inaccurate or disputed account on my credit report with XXXX XXXX, XXXX, XXXX On XX/XX/year>, I sent a written request to MIDLAND CREDIT MANAGEM via Electronic delivery requesting verification of this account. Specifically, I requested a copy of the original signed contract agreement that demonstrates I entered into a business relationship with them. 

Despite my request, MIDLAND CREDIT MANAGEM has failed to provide me with the requested documentation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am disputing the validity of this account and demand that MIDLAND CREDIT MANAGEM provide the following : A copy of the original contract agreement bearing my signature, clearly showing that I agreed to do business with them.

Verification of the debt, including the original creditor name, account number, and date of default.

I believe this account is inaccurate or fraudulent. Without the requested documentation, I am unable to verify the legitimacy of the debt. 

I request that the CFPB investigate this matter and require MIDLAND CREDIT MANAGEM to : Provide me with the requested documentation.

Correct or remove the inaccurate information from my credit report with all three major credit bureaus.

Provide written confirmation of the action they have taken.
Product: Mortgage

Greetings I've paid {$3000.00}. to the bank ( TRUIST/XXXX  Maryland ) XXXX weeks ago and they haven't appiled my funds to my account for payment. 
They also took {$1500.00} and applied it to intrest only. Not to principle. 
I've talked to these people numerios times with no action. 

Thanks
Product: Credit card or prepaid card

I closed on my home/ sold my home yesterday. I have to buy a new washer and dryer among other things. I applied for a new card with Home Depot as they were offering a new promo/discount, AND an {$100.00} gift card i got at closing. Nothing was validated, my price actually increased and the sales rep via online chat claimed its because i live in Colorado. I just paid off all my credit cards and am so disappointed with this company. I work in lending and feel violated
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2024, I spoke to XXXX inquiring about a lower payment, I was not late on my mortgage and was continuing to make the payments, the rep advised me she would put my account through for a modification to see if there was a way to lower the payment. I received a letter from XXXX with a payment plan to make 3 payments of a lower amount than the payment would permanently change, I was advised that the credit report would show a modification and that the XXXX + XXXX payments would be deferred and not show late on my credit, and the report would only reflect a lower payment. However that is not what has happened, I went from being on time with a perfect record to now showing late because they are having me pay less, this is hurting my credit report and I want my credit report restored like I was advised it would do and i had nothing to worry about, this was just the way they had to have me pay in order for the monthly payment to get lower permanently and advised me to ignore any calls or letters as they know the account is good. This is my 1st ever mortgage and the last thing I want is a bad payment history when I have never been late ever. Also the amount on my loan on the credit report shows XXXX and that is another bad mark that is not true, but on my account my balance on their website it is only XXXX
Product: Credit reporting

Requested an investigation with trans Union about some credit accounts and credit inquiries The credit inquiries were not authorized by me in any way The credit inquiries were not investigated and were not verified Therefore trans Union did not remove credit inquiries from my file as requested Negative information that is not accurate still remains on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at wits end with the credit bureaus- especially XXXX. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact XXXX. I have called, sent letters, filed complaints with cfpb, filed complaints with XXXX. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access XXXX. I had a new credit card get cancelled by XXXX  without contacting me first. XXXX  assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are XXXX XXXX, transunion XXXX then XXXX, XXXX  XXXX.
Product: Vehicle loan or lease

Vehicle was not repossessed in XX/XX/XXXX vehicle was repossessed in XXXX. However I was still not provided court documents for repossession. Please PROVIDE THE LEGAL DOCUMENTS/ COURT ORDER authorizing Westlake to repose the vehicle of a XXXX XXXX service member in accordance with 50 U.S.C . 3911 ( 1 ) and ( 2 ) and 50 U.S.C. 3952 or 50 U.S.C. 3953. Service members with loans that are covered by 50 U.S.C. 3952 are granted protection against repossession during the period of military service. Service-members with loans that are covered by 50 U.S.C. 3953 are also granted an additional period of protection for one year after the period of military service as stated in legal matter United States v. Westlake Services , LLC, et al. ( C.D. XXXX. ), XXXX XXXX. XXXX This is my last and final attempt before legal proceedings commence. I have request via email, mail and now telecommunication that this account simply be removed and any derogatory remarks be removed and payment be released for assessed damages by westlake. I have already spoke to XXXX XXXX who has also charged me an additional XXXX dollars for disputing this account which is not fair to me. Any further communication from this point forward will be from an attorney
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie 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. 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.
Product: Debt collection

Company reached out to ex husband then called me multiple times ( at least five ). I am not sure of what debt. Claimed they took me to court. Requested information for what the company is accusing. Threatened to show up at my residence and place of employment. Left a threatening voicemail after I informed them to communicate with my attorney and now called and left a voicemail to my sister. 
I am not aware of any debt and have not been contacted or provided any information regarding this debt.
Product: Debt collection

I received a copy of my credit report and to my surprise my account is being reported incorrectly. There are several opened, and closed accounts due to identity theft. According to the FCRA I have the right to an accurate credit report please remove the accounts listed below immediately. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, collection from Jefferson Capital systems XXXX, XXXX XXXX.
Product: Mortgage

XXXX XXXX ( case # XXXX that was the first claim against Ocwen. Now they offer a loan Modification & haven't heard from them their letter dated XX/XX/2018 is attached when I'll be faxing this to you.I 'm demanding some answers from them but they play the same game as the last time asking for more Documents I've sent them in three times no reply. I'm asking can you put some fire at them I've already had a lawsuit at them but it seems the judges went against me. I've represented my self in this matter with all other cases that were filed against Owcen. Their are son many cases against them in other states but it seems NY has good well scripted Attys that they overlook the truth. The mortgage is XXXX the house is only worth XXXX thank you I'll be faxing the papers to you.
Product: Debt collection

I recently checked my credit reports XXXX, XXXX, and XXXX and noticed a collection account from Spring Oaks Capital # XXXX that's demaging my credit reputation. I have no knowledge of Agreements for these accounts It is illegal for them to continue to collect these debts. 
I'm not saying it's fraud or identify theft I'm not saying it's not fraud or identify theft. I have no information or knowledge about these debts soI would like themy to send these debts back to the original creditor. I don't even know if what they saying I owe is even correct. I don't know anything about these debts.
Product: Debt collection

On XX/XX/2022, I received a letter from The Law Offices of XXXX and XXXX, a debt collection attorney. I called the original creditor on the letter listed as Spring Oaks Capital SPV , LLC. They told me to cal XXXX, who is not a collection agency just a software company that finds debts and hands them out to other collection agencies or Law offices. 

I then emailed The Law Offices of XXXX and XXXX to inform them that all communication MUST be in writing for my records. They called me, when I told them not to. I again, emailed The Law Offices of XXXX and XXXX to inform them to again keep all communication in writing, email or mail was fine. They called me again. So I called back and the gentlemen asked if he could record me, I said " no '' I need you to keep all conversations in writing so he hung up.

My issue is the lack of following the 15 U.S. Code 1692c when I asked them to keep ALL communication in writing. I offered a debt settlement and they just kept calling. I am not against a settlement on this debt, but I am against someone violation 15 U.S. Code 1692c, I have the phone records and emails available if necessary.
Product: Credit card

Received letter via USPS from Bank of America, dated XX/XX/XXXX, ( didn't actually get it in the mailbox until XX/XX/XXXX. ) saying my account was past due for {$61.00}, and that I have until XX/XX/XXXX to make payment. I don't use this card often, but apparently my XXXX annual membership autobilled to this card ( for {$60.00} ) I had autopay set up, so it should have paid it ... but for some reason, that got turned off ( It wasn't by me, as I haven't logged into this website in months ).

I scheduled a payment via their website soon after, ( it was taken out of my bank account XXXX XXXX. ) Yesterday I went to log into their website to verify the payment went through. I was unable to log in, it gave me a number to call. When I spoke to them they told me my account had been closed on XX/XX/XXXX. ( What?! ) They said a letter was sent to me that has all the info ( as of today XX/XX/XXXX, I still haven't received any official notification that they've closed this account on me ) they wouldn't provide me anything over the phone, or send me any email confirmations. I asked about the letter that was sent on XX/XX/XXXX, saying I had til XX/XX/XXXX to pay .... they couldn't tell me anything about this ... or why my account was closed on the XXXX. Now I'm very worried I'll have a ding on my credit for non payment, plus the account being closed not in good standing. I want them to have any black marks on my credit removed because of this. They have my phone number, and email ... neither of which was used to let me know I had a {$60.00} past due amount or that they closed my account. Nor can they tell me how autopay was turned off ( I ALWAYS have autopay on every card I've ever had ) I've heard plenty of bad stories about Bank of America... I guess this is just another one of those stories. How can they send a letter via snail mail XX/XX/XXXX, that takes a week to get to me, and then say I have til the XXXX to pay. Then close my account 3 days after I receive this letter?! It's madness. I have perfect credit, and strive to keep it that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XX/XX/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 XXXX XXXX XXXX XXXX  EQUIFAX NAMES : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX COLLECTIONS : 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 EMPLOYERS XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : 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
Product: Mortgage

Freedom Mortgage NMLS ID XXXX does not immediately apply partial payments to outstanding mortgage balances. 

They wait until full payment is received to apply any funds to their serviced mortgages, resulting in additional interest due.
Product: Checking or savings account

On XX/XX/XXXX I decided to transfer some of my crypto currency off Robinhood. They asked for me to upload a picture of my license and I did.

After that they froze my entire account, which includes my emergency savings fund ( held in USD in their high apy account ), retirement account, brokerage assets, and credit card. They had a message saying I would receive an update by XX/XX/XXXX, but when that came the message just changed to the XXXX. 

When I tried calling they gave me no details and said it was with the review team. When I email customer support they give me the same template every time Were still reviewing your account. We may request documents in the app during our review, so please continue to monitor your app and reply to any requests. 


Youll also hear from us by phone or email soon after weve completed the review. If we need any additional documents or have status updates well send updates to the email or call the phone number on your account. 

They have given me no updates and requested no information. I have over $ XXXX of assets on the platform and simply want to transfer them off and want nothing to do with this company now after how horrible this experience has been.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it is mandatory to remove any incorrect accounts from my credit report. This account has been reported inaccurately ; therefore, please delete it from my credit file. I am owed {$1000.00} for each incorrect entry on my credit report.
Product: Checking or savings account

Somehow money was sent from my account another account I do not know or havent ever sent anything to. Around 5 charges were sent from XXXX to XXXX to a random person I do not know totaling {$320.00}. I let the bank know but they did nothing.
Product: Mortgage

I recently ( officially XX/XX/19 ) changed my home insurance plan to a plan that was over {$200.00} less a month ( almost {$2500.00} less for the year ) and informed my mortgage and escrow holder ( Fifth Third Bank ) of the change. A month passes and my new payment due for XXXX has not been altered and I begin calling to ask why my monthly payment has not changed. One escrow specialist I spoke to informed me that an escrow re-evaluation kicks in as soon as one of the elements ( in this case the home insurance ) changes. 

Call back on XX/XX/XXXX and we are informed that there is no re-evaluation being worked on but they will start now, it should take at most 6 days. Over a week later we have received no information so I call back and speak to someone else on XX/XX/XXXX and there has been a request for a new evaluation but it has not been started. I am assured that this will be fast tracked and they will be in touch with me soon. 

No contact from the bank again until today, XX/XX/XXXX, I call back yet again to see if the evaluation is complete and ask why I have not been contacted. The evaluation has just completed and my new XXXX bill will reflect the new payment. I asked over and over again why I had not been contacted when assures over and over I would be and why I had to pay money I should not have had to due to my new insurance policy. No answers were given, just policy jargon, and when I requested documents on of my contacts to the bank I was denied access to those documents. I also asked for a letter or documentation of this denial and I was also denied that.