23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX @ XXXX EST I spoke with XXXX  at SLS ( Specialized Loan Servicing ) & requested a copy of my complete mortgage payment history on my account. XXXX advised me that it would take them 1-3 days for them to process the request & 7-10 business days for me to receive it. On XX/XX/XXXX @ XXXX EST on my THIRD attempt ( transfer/disconnect on 1st try, transfer/transfer/on hold forever on 2nd try ) to speak with someone @ SLS to find out the status of my request I finally spoke with XXXX ( ID # XXXX  ) who advised me that on XX/XX/XXXX the document I requested was mailed. On XX/XX/XXXX@ XXXX EST I called again & spoke with XXXX ( ID # XXXX ) and advised him that I still had not received the document he advised was mailed on XX/XX/XXXX. He advised me again that it was mailed on XX/XX/XXXX. I told him that I want another request put in to mail me my complete mortgage payment history & I want to speak with a supervisor. He put me on hold & told me that he has escalated my request to a supervisor ( XXXX ) as well as that department ( sometimes SLS refers to it as the customer resolutions dept & other times SLS refers to it as the customer support dept ) & will have them re-send. He advised me to call back tomorrow before XXXX   EST ( XXXX  would be leaving at XXXX their time ). On XX/XX/XXXX @ XXXX EST I called & requested to speak with XXXX in the customer resolutions dept. I explained to XXXX ( ID XXXX ; XXXX   works for National Bankruptcy Services - she advised me that this company answers all of SLS 's calls & try to help people as far as they can ) that XXXX sent an email to XXXX & I want to speak with XXXX. XXXX  advised me that she would put me on hold & would check on me periodically to make sure I was still there until she got a rep from SLS on the line. The next person who got on the line was XXXX, I explained to her that XXXX sent an email about my situation. XXXX said she works in the customer support dept & that the only XXXX is in her section. She said she would walk over to see if XXXX was available. When XXXX returned to the line she advised that XXXX was in a conference & not available. She advised me that XXXX told her to let me know that she would call me back by the end of the day. I advised her that if I did not hear back from XXXX  by the end of the day I would be filing a complaint with the CFPB ( your agency ). I have since given them THREE more days to call me back & to date, no calls & I still have not received the requested document in the mail.

I have the phone calls from XX/XX/XXXX & XX/XX/XXXX recorded on an app called callX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : TRUEACCORD CORP XXXX XXXX XXXX, XXXX, KS XXXX Account number:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ca XXXX Dear TRUEACCORD CORP, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

In XX/XX/XXXX I applied for a home loan. When my credit report was reviewed, there was derogatory information being reported by aXX/XX/XXXX Account with XXXX XXXX. 

Upon contacting XXXX XXXX/XXXX XXXX, I was informed that the account was sold/transferred to a collection agency - XXXX at XXXX. When I spoke with XXXX, I was informed that my personal information was incorrect and that the collection account would be returned back to XXXX XXXX/XXXX XXXX. 

I contacted XXXX XXXX/XXXX XXXX a few times to dispute/correct this account and received a letter from them dated XX/XX/XXXX that they were reviewing their records. Once the account was back with XXXX XXXX/XXXX XXXX, on XX/XX/XXXX, I spoke with a supervisor ( XXXX ) who acknowledged the mistake and provided me with the original balance that was due. I immediately paid the balance ( confirmation # XXXX for {$69.00} ) and was informed that they would correct the past due and collection activity that was reported to the credit bureaus. 

Today is the 66th day and there has been no update reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing wrong information reporting on my Transunion report last summer. I never received any correspondence that the debt belonged to me. I requested an investigation XX/XX/XXXX.I received nothing in response, the debt was still reporting on my credit report. 

I requested verifiable proof that the debt belonged to me twice ( XXXX. & XX/XX/XXXX ). I received no information regarding the debt. On XX/XX/XXXX I reached out to XXXX XXXX XXXX  via " priority mail '' with the information that was reporting on my credit report. A few days later ( XX/XX/XXXX ), the envelope returned to my address " RETURN TO SENDER ''. 

Today, I reached out to Transunion because it was still reporting.I was asked for verifiable personal information, which I provided. My last four is XXXX. My file number is XXXX. My address is listed in the attached correspondence. I was asked did I want to dispute the information. I said yes, but I went back to my personal records to see if this was previously brought to their attention. It was and nothing is being done to properly resolve. 

I find it hard to believe that this information is still negatively impacting my report and can NOT be properly verified. I request assistance with prompt deletion. 

Thank you for your time and assistance
Product: Debt collection

Hello, I cant emphasize enough how distressing and exhausting this experience has been. One morning, I wake up to discover a debt on my credit reportunverified and unrelated to meand suddenly Im facing relentless harassment from multiple channels and receiving threats of legal action. Its incredibly frustrating and, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  as a law-abiding citizen to have my rights as a consumer violated so blatantly. The mental strain has been immense, causing me XXXX  XXXX and constant XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I attempted to use the Equifax online security freeze form, entering a landline phone number since I don't have a mobile phone ( I'm XXXX ). I was informed that my information could not be verified. I then selected the option to be mailed a verification code, which would be received in XXXX days. XXXX days later and I have still have not received the code. I tried the online security form several more times, each time requesting a verification code by mail, but have never been sent one.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX opened : XXXX XXXX XXXX AMOUNT : {$830.00} I called this company, they never respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there. This Bankruptcy claims that it shouldn't be on my credit report
Product: Checking or savings account

On XX/XX/XXXX, my account was closed due to multiple checks being returned over a period of time. It is entirely understandable why the decision was made. The accounts were closed with a total value of {$49000.00}. It was advised to me on XX/XX/XXXX that the account closure would be completed in seven to ten business days. In my call on the XXXX business day, I was informed that this date had been pushed back a few days. This process continued for over a month to have this date changed, each time a day to 3 day interval. Since I was out of the office on XX/XX/XXXX and XX/XX/XXXX, I missed my semiweekly/daily call. On XX/XX/XXXX, I called the company to learn that I had been officially closed out on XX/XX/XXXX, and checks were mailed on XX/XX/XXXX, and I should expect to receive them within 7-10 business days. Following this information, I checked my mail on a regular basis. I did not receive the checks on XX/XX/XXXX, which was disappointing for my company. Instead of receiving my checks, I received two letters stating that my accounts had been closed out, but my funds were frozen pending verification. After opening the letters, I called the account closure team for information as there is no information regarding timelines or if and when I will receive the funds my business needs to continue operating. My company has a staff of over 30 individuals who rely on this job to pay their bills and support their families, and I do not know how long we can operate without these funds. Both representatives I spoke with on the account closure team were very brief and vague in their responses. After closure, a mysterious back office decision was made to withhold the funds to further " verify '' them. I would have assumed that after a month of funds being withheld for verification, this would have sufficed. I requested to speak with someone who is involved in the verification process or who works in this area of the company. According to them, I am not permitted to speak to anyone and the best they can do is send them an email and wait for a response within 7 to 10 days. The supervisor I spoke to informed me that I am unable to receive any confirmation that this communication has occurred. I have attempted to make contact with various people within the organization they will not communicate with me. I received a call this afternoon from the organization stating they have completed their investigation and I am not entitled to these funds. They claim to have done two different investigations and they are not willing to issue the check for my that are being held.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic last year Huntington Bank put on their website that they were allowing all clients to make late payments on mortgages and personal loans and they would not report to the credit bureaus as long as they were not 90 days past due. 

In XXXX and XXXX of 2020 my ex-husband paid the mortgage late. It was maybe 32-35 days late. It was not 90 days late. Yet, Huntington still reported it to the credit bureau even though they had stated they would not report it. I have called, I have sent letters with no response, and I have filed multiple disputes with the credit bureaus. Nothing has been done about this except Huntington changing on one of the credit reports that instead of paying late in XXXX and XXXX that I paid late in XXXX and XXXX.
Product: Checking or savings account

Navy Federal Credit Union has been charging my account with numerous amount of overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with Experian for several months. I have requested these two account to be remove or corrected. I have never been late on child support. Additionally these two account have no balance so how can I be late if the accounts have no balances. the two accounts in questions are OFFICE OF THE ATTY GEN {$0.00} Acct # XXXX and OFFICE OF THE ATTY GEN {$0.00} Account # XXXX Experian has violated my right by misreporting my account as late when they are not. This is a violation of my right under the FCRA law. Please remove immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX {$850.00} ACCOUNT INFORMATION WAS DISPUTED BY CONSUMER, MEETS FCRA REQUIREMENTS!
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.
Product: Checking or savings account

Im not sure what Bank of America trying to do but reordering transactions of XX/XX/2016 are inappropriate. Add counter credit? You mean the refund that you take it back when my account was negative? Oh and please dont add the credit in the beginning of the month, all nsf fees are eliminated, and the amount of transactions should not be changed.
Product: Debt collection

I am a victim of identity theft and someone stole and used my personal information to get unauthorized health care using my identity and personal information. I have received harassing and threatening telephone calls and death threats from Financial Adjustment Bureau in regards to XXXX different unauthorized and fraudulent medical accounts and debts that do not belong to me.
Product: Checking or savings account

I contacted HSBC on XX/XX/ because I was unable to add a credit card account ( with another institution ) to their bill pay service. As of XX/XX/ their bill pay service has not be fixed and I have not been able to link the bill pay service for credit card account. 

Additionally, I signed up for a promotional account opening bonus using a promotional link on XX/XX/. Terms stated that I would be required to make a direct deposit of {$5000.00} for three months ( XXXX, XXXX, XXXX ). The {$5000.00} direct deposit was made every calendar month from account opening to today ( XX/XX/ ) and I have not received the account bonus yet. I have contacted their customer support on XX/XX/ and they claim that I did not use a promotional link. I know I used a promotional link because when signing up for the account using the promotional link, I was able to save a PDF of the terms and conditions of the promotional account opening. I followed up on XX/XX/ with HSBC customer support and was still denied the promotional bonus. 

I have a transcript of my conservations with the customer service agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  U.S Dept of EdXXXX Account # XXXX AND ACCOUNT # XXXXXXXX XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX XXXX  Account XXXX XXXX And Account # XXXX And Account # 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX Reported : XXXX XXXX, 2025 {$830.00} Needs Attention Advised credit bureaus this account is not mine I did not open this account or have no knowledge of it. Investigation states it is my account when I dispute it but I keep on disputing as this account was not opened by me. I also advised XXXX that account was not opened by me. 

-Incorrect apartment number XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), states that the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility except the term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$120.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious Forest Recovery Service {$120.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Following my divorce, my ex-wife, XXXX XXXX XXXX, fraudulently opened accounts in my name, without my knowledge or consent, and forging my signature, obtained and opened several accounts that I am not legally responsible for. I have attempted to rectify these issues with XXXX consumer reporting agencies, XXXX, Equifax and XXXX in the past, with little to no success. I have filed a proper Identity Theft Report ( # XXXX ) with the Federal Trade Commission. All three of my credit reports contain several accounts that are a result of this identity theft. 

XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX XXXX {$2400.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$120.00}
Product: Credit reporting

XXXX XXXX ( XXXX XXXX XXXX ) started reporting a collection that is outside the 7 year statute of limitations when they acquired it in XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

Accounts : XXXX. ( XXXX XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX XXXX, Account Number : XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX  documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking Documentation