23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started a conversation with Mr. XXXX XXXX of NewRez, my current mortgage servicing company about refinancing my existing balance to take advantage of the current low rates for conventional  mortgages. This occurred back on XX/XX/XXXX of 2020. I subsequently received a decline letter dated XXXX XXXX, 2020 saying " Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for the disclosure of the nature of this information. '' On XX/XX/XXXX I sent NewRez a letter requesting this information. NewRez did not reply so I again requested by letter on XX/XX/2020 that they disclose the nature of this information. Again they have not replied.
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 multiple 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 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.

please remove all accounts investigated including XXXX XXXX XXXX {$1100.00} XXXX  XXXX  {$1200.00} XXXX  XXXX  {$1400.00} XXXX XXXX {$400.00}
Product: Debt collection

A few months ago, I received several letters of notice from XXXX XXXX XXXX to my address with another person 's name ; each one I returned with - no such person at this address. Shortly thereafter, I began receiving phone calls from XXXX XXXX and Sunshine collections. Sometimes they leave a voice mail, sometimes not, but I receive between 7-12 calls per week. *** I have checked my credit report and verified that I have no outstanding debts listed. *** I am the XXXX for the Estate of XXXX XXXX XXXX, deceased XX/XX/2021, so these two creditors may be calling regarding his past due accounts, but they do not give me any information, other than a recording to call them back. Based on what little information I have, I believe the below are the accurate links to each company 's profile on the XXXX  website. 

Sunshine ( XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX )
Product: Mortgage

`I am trying to do a repayment plan with Caliber Home Loans. 
I have called in many times and was told I was " approved for a 12 month repayment plan '' They told me the downpayment of {$70000.00} must be in by XXXX XXXX ( I was told the letter is in the mail and I should receive it on XXXX XXXX a day after it is due to be there ) as of now II have received no paper work from them at all. I am reluctant to release {$70000.00} to them with out anything in writing stating that the NOD will be removed, further they said I must pay $ 9600 month on the balance owed which should be {$39.00} and should be divided by 12 months.which comes to much less that {$9600.00}. the reason why I asked for a 12 month repayment plan was to have affordable repayments. It turns out that they are charging me more money than the statement says I owe and they are charging me late fees for the months I am behind in addition to the late fee on the statement charging me for those same months. They also are computing the 12 month repayment plan on 11 months which is unfair and raises the monthly payment. I am unable to talk to anyone besides a point of service person who tells me that all the numbers are computer generated and no one can make any changes.
Product: Money transfer, virtual currency, or money service

I was attempting to purchase tickets through XXXX. I am only XXXX and just opened account with Wells Fargo. I have never used XXXX and thought that it should be safe since it is on my Wells Fargo app and the bank must trust them. I did log in and transfered {$70.00} which I had in my account at the time. The app told me that it did NOT go through and to try again later. I went through the process again and it actually took both times. Wells Fargo allowed the transaction to post twice at {$70.00} and charged me an Overdraft charge of {$12.00}. I am out {$140.00} and of course I did not receive tickets and the phone number to the person that I thought would be giving me concert tickets is rejecting my calls. The only information I have on the recipient was a phone number and an email address. On my bank statement it shows the name XXXX XXXX. I went to my bank within 30 minutes and no one was able to help me. I have also sent numerous emails to XXXX complaining about this fraud and what happened to me. Neither XXXX nor Wells Fargo is willing to help me. I just started working this summer and am trying to save money for college. I can not afford to lose this much money. I asked Wells Fargo if they could help me with one of the {$70.00} charges but they said they are not able to help me. I hope you can help me with this situation. I would be happy if Wells Fargo would at the least refund me one charge of {$70.00}. I am really upset and have learned my lesson on not trusting anyone and to especially not deal with online sites that you do not know. I really thought that they would be reputable since Wells Fargo trusts them to be on their website and peoples accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Im writing this letter regarding the consumer XXXX  and the creditor ACIMA CREDIT. At first I was looking for an eyeglasses and saw this ad from XXXX. It only cost {$59.00}, but then on the actual cost when you set your appointment with them, it will balloon up the payment from {$59.00} up to {$1600.00}. This is the reason why Im writing this dispute letter to inform about the misleading advertisement and how they get money from my credit card for the payment, almost weekly and without my consent they keep charging my credit card. They even report me to my credit score which affects my credit score last XXXX of XXXX which is now it already added to credit report. 

Payment dates : 1st payment - XXXX - {$50.00} XXXX. XXXX = {$26.00} XXXX. XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} Dear, Your early purchase option ends on XX/XX/2020. 

Today 's payoff amount is {$450.00} + applicable taxes. 

To take advantage of our early buyout option, please contact us immediately to make the appropriate payment arrangements. After XX/XX/2020, you will no longer be eligible for the first early buyout discount. 

If you have any questions you can chat with us ( Monday - Friday XXXX XXXX - XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX  MT ). 

Sincerely, Acima Credit | Customer Service XXXX For your information and investigation
Product: Checking or savings account

I have contacted y'all claim center to dispute these items Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also have my overdraft fees credit OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00}. Still, they denied my dispute, and I told the lady I contacted XXXX and XXXX says they can't refund me because I cancel them transferred online yesterday and still got billed, and I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIRAMED REVENUE GROUP reported to XXXX XX/XX/XXXX that an account from XXXX XXXX XXXX XXXX XXXX was a new collection. This account has been paid and is continuing to resurface on my credit report. Called The office of XXXX XXXX XXXX who the bill was originally paid to and the billing department told me that I have no balances due but that because I had no account open with them that they could not issue me a XXXX balance letter to have the accounts removed. 
Account number XXXX Account number XXXX For amounts of XXXX and XXXX but they are reporting as XXXX and XXXX
Product: Debt collection

I contacted Resurgent about 4 accounts showing on my credit report I sent them a Debt Validation letter however they keep sending me just statements. I made a complaint on one of the accounts through this website and they closed it on XX/XX/year> stating that they had no sufficient information to be collecting this debt. However, they keep sending me statements for the other 3 accounts and directing me to go to their website to make payments or full payment, even though they have NEVER sent me Validation that they legally own said debt. I am not paying these debt collectors that don't own said debt that they are harassing not just me but my ex-husband and his family that I've been divorced for 10 years now. I am disgusted with their tactics and pretty upset with how they conduct business. They have also transferred one of the said debts above to one of their subsidiaries within their shell company of Resurgent. I am unable to find the documents on the new company who sent me a bill of owing them now. But when I do I will definitely upload them to this complaint.
Product: Debt collection

I have been receiving phone calls from this company for about a year at least XXXX or XXXX times a week. They just leave a recording. I do not owe anything to anyone so I have no idea why they keep calling me at all hours of the day. I would like them to stop calling me. Could you please contact them? 

Thank you so much,
Product: Debt collection

Dear Sirs/Madams, Recently I was notified by my Credit Reporting Agency ( XXXX via XXXX XXXX ) that a collection amount of {$20.00} has been added as a derogatory remark on my credit report resulting in 12 point drop. The collection company/agency is SUBURBAN CREDIT CORPORATION. 

I can prove that the medical bill in question has been paid by my Insurance companies currently XXXX and XXXX XXXX and I do not owe any money, even the doctor 's office in question ( XXXX XXXX XXXX XXXX ) has confirmed that. 

Last but not the least, the patient in question, by beloved daughter XXXX XXXX XXXX has passed away as well, and this agency is trying to defraud me for a sum of {$20.00} that I do not owe. 

I hereby request a resolution of this issue and removal of the negative/derogatory collection mark from my credit report.
Product: Debt collection

I received a letter from this company dated XX/XX/XXXX ; indicating that I owe an unsubstantiated debt that was charged off on XX/XX/XXXX ; almost 8 years ago ; which is well over the statute of limitations of 7 years.
Product: Debt collection

They are calling all hours everyday of the week. I tried to make a payment they claimed they couldnt accept the payment I tried to pay. They are always foreigners that XXXX cant undo and very rude.
Product: Debt collection

I never received anything and checked my report and I have this from an alleged bill. I am a XXXX veteran and there is no way I have a bill. My insurance covers 100 % I never received any notice or anything about this. It was just wreckless placed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX that I am a victim of identity, and XXXX responded that they verified a fraudulent account, which I not sure how that's done. Please see attached FTC for fraudulent accounts that I had nothing to do with and does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXX, Experian and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.
Product: Credit card

A fraudulent credit card account was opened in my name at Kohl 's in XXXX, XXXX. On XXXX/XXXX/XXXX Kohl 's acknowledged the fraudulent nature of the account and relieved me of responsibility. Now, Kohl 's refuses to act on my request to send me copies of the fraudulent documentation used in opening that account ; instead, Kohl 's states that such information will be provided only to a law enforcement agency, at the request of said agency. As I read Title 15 U.S. Code Chapter 41 Subchapter III Section 1681g, the victim himself is entitled to copies of the fraudulent documentation but must make the request for it in writing and must meet other reasonable requirements that can be imposed by the business which granted the credit. It is my understanding that providing the information to a law enforcement agency is contemplated in XXXX scenarios : ( 1 ) where the victim 's written request specifies which agency is to receive the documentation ; or, ( 2 ) where there happens to be a law enforcement agency investigating the ID theft and that agency is authorized by the victim to take the relevant records. I do not see how these provisions can be interpreted by the credit-granting business to deny the victim 's request to be given the fraudulent documentation directly. In my case, I have sent Kohl 's written requests to have the information sent to me. Accordingly, scenario ( 1 ) above does not apply. Also, as there is no law enforcement agency investigating my ID theft, notwithstanding reports filed at XXXX separate police departments, scenario ( 2 ) above does not apply. In summary, I believe that Kohl 's misunderstands the right of the victim of ID theft to receive directly, and not via a law enforcement agency, copies of the fraudulent documentation and is unreasonably attempting to require me to trouble one or another law enforcement agency to obtain copies of the fraudulent documentation on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX Bankruptcy on XXXX, XXXX 2021 my bankruptcy was discharged with a XXXX balance. In my Bankruptcy these creditors were added. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I've notified all three credit bureaus. All accounts where discharged with XXXX balance owed. However, Experian is still showing all the accounts as, negative with past due payment history. According to the FCRA DEBT that is discharged in Bankruptcy should show XXXX balance, discharged in Bankruptcy. If anything else appears on the tradeline especially if it is derogatory information, then that violates FCRA. FCRA mandates that that I disputes this with the credit reporting agency as, they are not accurately reporting. I have disputed this directly with Experian, and they have not corrected the issue they have made the issue worse by putting a statement in each severally account stating those accounts were terminated, when they were not. The accounts above are all reporting negatively on my credit report such as, late payments balances. Its hard enough having to fil bankruptcy due to covid-19, that has caused a XXXX XXXX XXXX XXXX. But to not report correctly has caused me not not be able to get some treatment because lenders are looking at past due payments, and balances which should have been gone through bankruptcy.
Product: Debt collection

I NEVER DID THIS. AND I'VE CONTACTED THEM AND NCA AND THEY WON'T STOP MAKING THREATING PHONE CALLS..NCA THREATENED TO BURN DOWN MY PLACE SAYS THEY DON'T CARE ABOUT IDENTITY THEFTED... I was paying this now r with my life. 
ATTACHED IS IDENTITY THEFTED LETTER TO THEM. NOT CARING THEY SAID..I WILL PAY R I WILL PAY WITH MY LIFE... THEY THREATENED TO HURT ME THE NCA...
Product: Credit card or prepaid card

Received email on XX/XX/XXXX at XXXX XXXX  stating I opened a Chime account. I have not opened a Chime account and believe whomever is living in my old apartment used my information from old mail sent there. I reached out to Chime to cancel the account, but have not had a response, and now the card has shipped, been activated and transfered {$160.00}. 

Bank accounts shouldn't be transparent when opening a new account and need verification of identity, instead of people using any info they can get to get a {$100.00} for opening a new account and {$200.00} for recommending. 

Address listed : XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX ( a previous address of mine ) Name listed for transfer : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a statement from BestBuy credit card. I called them reported fraud. They said they will follow up but it still shows up on my credit report, and it is hurting my credit now. 

I did not open the card. It is an identity theft.
Product: Debt collection

In XXXX of XXXX I submitted a complaint to the CFPB based on the collection of this same debt by XXXX XXXX XXXX XXXX Capital One Case : XXXX XXXX XXXX XXXX XXXX XXXX 

In the same month I received a letter from Capital One stating the account information and that they will no longer be reporting this information to my credit file. Since then, I keep being harrassed by Capital One. They sent an email, demanding an electronic signature, which I refused ; then another email on XX/XX/XXXX, asking that I confirm and respond to my email because I have not been responding to their emails.
Product: Vehicle loan or lease

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX Navy Federal Credit Union RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
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 actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C. 553 ( a ) ( 1 ) ( A- ) ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) 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: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX  XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$700.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$930.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$200.00}. The original creditor is XXXX. 
I am a victim of identity theft and this debt is not mine. 
Inquiry from XXXX XXXX  XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. I have been requesting this for many times this is at least my 10th time contacting you guys I will be filing for a lawsuit as this has taken longer then 30 days I will be requesting over {$20000.00} from you guys as this is absurd and a hindrance on my life. You have yet to do right I demand you delete all information. As you have not updated me in the proper time and I have attach a ftc report as well as an FBI report stating this is fraud fix this issue asap and delete all inquiries list on file. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, Toyota Financial Services ( TFS ) made an offer ( on a recorded line ) to give my family two months credit ( {$660.00} ) due to the Federal Government " Shutdown '' of XX/XX/XXXX and XX/XX/XXXX. To wit, my family and I accepted and have awaited the credit ever since. Today, at XXXX PST, Mr. XXXX ( I.D. # XXXX ) of TFS exclaimed that they will not honor this credit as they did not receive a signed note ( which my family and I did not receive in the mail no were we aware that we were to recieve, sign, and return such a Note ) to honor this agreement. Also, I, XXXX XXXX, have been taken off the account as an Authorized Agent on the account, leaving my wife, who speaks English as a second language to somehow negotiate with TFS in these matters. As a XXXX XXXX ( XXXX XXXX  ; CA # XXXX ), I consider this a " Switch-and-Bait '' tactic by TFS in order to lure my family into a false sense of economic security and not honor the " Government Shutdown '' credit arrangement which they recorded themselves to, '' honor. '' NOTE : TFS probably solicited several consumers with this offer and then withdrew it once their ( TFS 's ) internal quota had been reached. Again, this is likely a, '' Switch-and-Bait '' on a grand, corporate scale.