23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received an email from Cawley & Bergmann , LLC, claiming that I owe a debt to a company called XXXX XXXX, XXXX, which I've never heard of before. The email included a link XXXX XXXX XXXX XXXX ) for disputing the information online. However, when I visited the link, it prompted me for a password that wasn't provided in the email. 

I reached out to Cawley & Bergmann LLC by phone, as per the contact information in the email. After verifying my name with the first representative, I asked for the password to dispute the debt online. Surprisingly, both the representative and their manager refused to provide the password. They insisted that if the email didn't contain all the necessary information, I would need to share more personal identifying information before being allowed to dispute the debt. 

I want to emphasize that I am not liable for this debt, as I have never had any contractual agreement with either Cawley & Bergmann , LLC, or XXXX XXXX, XXXX. Despite my request for additional details about their company and validation of the debt, they were unable to provide the necessary information. 

Moreover, there is no password provided in the email, and I have attached evidence of this omission. This situation raises significant concerns about the legitimacy of the communication, and I strongly suspect it might be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going thru a child custody dispute in the court system in XXXX XXXX MD. My sons Mother is a XXXX  XXXX at XXXX XXXX XXXX and She ran my credit through her Job without my permission Her name is XXXX XXXX. This happened on XXXX XXXX 2018. I found out thru my XXXX XXXX monitoring
Product: Student loan

I was made aware my payments to Nelnet student loan servicing were due to them on XX/XX/year>. My payment due date is XX/XX/year>. Upon attempting a long in to my account and call to the servicer on XX/XX/year> to ensure an on time payment ; I was dually made aware that due to " planned maintenance '', not communicated through mail, email, telephone, or personal contact, that their services were not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation Under 15 U.S. Code 1681s2 The Following inquiries i did not authorize XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX  + Bank ( XXXX ) XXXX
Product: Debt collection

In XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed XXXX asking for proof of it being my debt ... no answer. I gave permission for XXXX to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX
Product: Mortgage

Chase Mortgage sold my mortgage to XXXX XXXX, prior to the sale. My principal balance was {$84000.00}. In fact, I had received a statement from Chase for that amount. 

Chase allegedly claims a Subprime Mortgage was done, I never agreed to the terms or a Sub Prime Mortgage, I was applying for the HARP Program, since Chase is a Bank, the Federal Government gave Chase Millions of dollars to help home owners with upside down  mortgages hit by the Real Estate Bubble of XX/XX/XXXX, I was one of those clients. Chase initially gave me a 36 months military payment plan of 1 percent at {$460.00} a month. Later, Chase sold my mortgage to XXXX XXXX for {$240000.00}. Now, XXXX XXXX is planning to foreclose on the Property on XX/XX/XXXX if the amount of over {$20000.00} dollars is not cured by then. 

The other issue, is I was in Bankruptcy and when the Mortgage was released from the Stay. XXXX XXXX added all the late fees and charges. 

This is the same Sub Prime Mortgage Scam Chase Mortgage was fined for XXXX XXXX dollars. 

I need the Consumer Protection Financial Bureau to investigate this matter on Chase as soon as possible and communicate to Select Portfolio of this wrong doing to avoid the Foreclosure date. 

Chase mortgage XXXX Loan number : XXXX
Product: Credit card or prepaid card

I set up auto pay for {$75.00} payments each month which covered the minimum payment due on online banking on the Capitol Ones website and the minimum payment went up and it didnt adjust the payment to cover the minimum payment due, so for three months I didnt catch it because I had went to paperless statements. During those months ( XX/XX/XXXX-XX/XX/XXXX) I couldnt not log into my account because of a security breach, is what I was told. When I contacted the company just recently the week of XX/XX/XXXXand requested they reverse the honest oversight for a customer of 15 years who has never missed a payment they simply denied my request. I then had an executive representative do a review of the situation and they still denied me.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as the information that resulted from an alleged identity theft, not later than 4 business days Ater the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EXPERIAN.
Product: Debt collection

I had a line of credit with Bank of America. I left the account at a zero balance when I closed the account. I received a notification that I had a balance. I disputed the account but I was unable to provide proof because it was and old account. I called and I was told that if I pay the full amount that the account will be taken off my credit report. I paid however, I requested all documents with my account activities since I opened the account to verify where the error was and to proof that it was my mistake or not and I have not yet rcvd the documents and the account it 's still on my credit report. I called again and I was told that it will remain in my credit report for 7 years for an amount of {$71.00}. Please help.
Product: Debt collection

I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

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

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

It has been 60 days with absolutely no response from the bureau about my complaints which is in complete disregard of the law. I hope that with your help this will no longer occur
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and a fraudulent charge were included on my account without my consent or authorization. 
I sent this company my dispute letter on XXXX with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action.

For yet one last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've advised Experian about an update my creditor agreed to do on my report and asked them to do a phone verification to expedite the process. unfortunately, Experian refused although I made them aware it could cause me damage while I'm now applying for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$4000.00}, {$700.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$1000.00}, {$3500.00}, {$100.00}, {$10000.00}, {$21000.00}, {$7500.00}, {$9000.00}, {$360.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

- ACCOUNTS - 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

7XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

9. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a credit limit of {$21000.00} -This is not my account. 

12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

13. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

XXXX XXXX 14. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$360.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3400.00} -This is not my account.
Product: Checking or savings account

I receive a deposit from XXXX by mistake from XXXX XXXX dollars ... On XX/XX/2023 So the person contac me and explain me then she was a mistake and ask for that money I checked the transaction and ok the money was on my account so i give her my address and I pay to her the XXXX hundreds dollar.but on XXXX/my bank take from my account XXXX XXXX dollars they set they send that money to XXXX XXXX from XXXX XXXX XXXX I contac to XXXX XXXX and we're going together to ask for the money to XXXX XXXXXXXX XXXX  but XXXX XXXX sey they don't have that money so we wan to know were it's the money thanks for your help bos telephone numbers my and her are ready to share any time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Experian correct my XXXX XXXX XXXX account since XX/XX/2020. I requested Experian reach out to XXXX and confirm that the information being reported was not current. Experian continues to partially investigate this account and states the previous investigation was valid when it is not. This is restarting my 30 day dispute timeframes and causing unnecessary calls and repeat disputes online. Due to this information not being investigated and updated properly, I was denied a loan in XXXX and gained two hard inquiries for no reason. I have made Experian aware of this behavior, submitted proof and called again on XX/XX/2020. XXXX is barely reporting consumer information because of the pandemic but if information from the company is submitted as proof it needs honored. Today, when I called, I was met with a generic, rude response. I am thankful that the other long term issues on my credit report have been resolved but the XXXX account needs to be updated as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Product: Credit card or prepaid card

On XX/XX/XXXX, I saw a referral offer on my American Express platinum card. The referral offer says " get XXXX Mr and addition XXXX membership rewards no matter what card your friend is approved for ''. 

I utilized this offer and used it to refer XXXX of my friends, he applied and was approved for the personal delta credit card. However, today a representative told me my referral is invalid because my friend was applied for a different card than what I was using to refer him. 

This does not make any sense as the offer clearly says " no matter what card your friend is approved for ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to Transunion, XXXX, and XXXX and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : Transunion XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

XX/XX/XXXX I spoke with National Business Factors, INC this morning and was told that my medical dept will start to impact my credit score starting this XXXX. I reminded them that medical dept is exempt from negatively impacting your credit score and they said that is not true. As I understand " As of XX/XX/XXXX, paid medical collection debt won't appear on consumer credit reports ''. 

I find these tactics extremely malicious. 

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

I filed bankruptcy back in XX/XX/XXXX, it was discharged in XX/XX/XXXX. On my bankruptcy I included a lender by the name of Credit Acceptance. I financed a XXXX that I willingly gave back after I filed bankruptcy and which has been auctioned off. Mind you, I never have been late in my car payment, and once I file, the company is not allowed to report to the credit agencies during bankruptcy. Credit Acceptance has continued reporting negatively as if I havent made a car payment in over a year. My account is also listed as open. I filed 2 complaints with the company, it was supposed to be off my credit report by the XXXX of XXXX. Credit Acceptance refuses to give me anything in writing due to me filing bankruptcy over a year ago and still is not removing the false information and its causing me to be denied for things. Im reaching out as a last chance to have them remove this before I begin the process of suing the company.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX to formally dispute an alleged debt that appeared on my credit report dated XXXX In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. XXXX did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the XXXX and Equifax reports. I sent certified letters to both XXXX and Equifax to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed multiple inquiries listed that I do not recognize or recall authorizing. I have throughly reviewed my records, and I can confirm that I did not authorize these inquiries. According to the fair credit reporting act ( FCRA ) I have the right to dispute any information that is inaccurate or unverified. I have already contacted the original creditors who pulled my credit report and filed a dispute with them as well. I kindly request that you investigate this matter and remove all unauthorized inquiries from my credit report as they dont belong there.
Product: Credit card

I entered into a debt management plan with AMEX in XXXX and followed their instructions to a T. I was reported late. I spoke with a manager and an investigation was done and I was approved for a re-age of my account to bring it current for the months I was reported late. I have made so many calls and Im always told it was approved and will be fixed. Im tossed between XXXX departments and they all have different information and no matter what date Im given for the correction, it never happens.
Product: Credit reporting or other personal consumer reports

This account was charge off on the following date Nobember XXXXSince then, the account has repeatedly been updated as charge- off every month.This is an update on the payment history.This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help.i feel l that I am being singled out and possibly being discriminated against by last name XXXX by someone at the Experian credit reporting agency. They saying the my balances are XXXX percent upon my indigo credit card usedge. At which I feel is not true.i have it up upon my wall with the other credit cards account. I call in every month upon my phone every month and I have never A payment. So no someone knowing an envestegation is going on if cross examine my Experian credit report you can see this, the most recent three or for things that - something about a credit ability journey. You already have a complaint from me regarding the small loan that I tried to get from XXXX XXXX XXXX XXXX XXXXXXXX Regarding my finances minivan I don't miss any payments and the van was stolen and then the auto insurance company paid XXXX XXXX XXXX XXXX {$2500.00} dollars. Now the balance is down to {$3800.00}. then, the auto finance company has not reported this new balance. The the XXXX XXXX has another benefit called XXXXXXXX XXXX supposed pay off the remaining {$3800.00} dollars. They will let me know on the XXXX of XXXX. I hope that XXXX XXXX also reports this pay off or what ever they pay. Bless you and I thank you so much and I hope that you can look into Experian and call XXXX XXXX to find out about the reporting of this and also the XXXX XXXX amount of pay off. Please help.
Product: Checking or savings account

i opened Bank OZK account located in XXXX, TX under promotion of XXXX $ ( XXXX $ for checking and XXXX $ for savings ). 
The banker opened a wrong type of amount by mistake although i told her that i need bank ozk interest+ checking account which was eligible for XXXX $ total bonus. 
but she opened another account by mistake which was only eligible for XXXX $ total bonus. 
She immediately rectified the account to desired one which was interest+ checking account. 
She also mentioned not to worry because correct bonus amount will be credited total of XXXX XXXX 

Later i was just given total XXXX $ bonus instead of XXXX $ XXXX have already spoke this issue with the correct bank location for XXXX weeks now. Bank mentioned that they are looking but can not be promised of the missing bonus. But i still haven't received the rest of XXXX XXXX 
by this complaint, i am expecting the rest of bonus amount of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am fing a compiaint againsi Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX LL are the accounts I marks as inaccurate.