23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

post closing the lender is asking for money to cover an error from the closing company and lender. They made a mistake in calculating the payoff amount for the old mortgage amount, the error was {$7500.00} and the lender is asking us to pay it, a week after closing I was informed of the error. We do not have {$7500.00} om hand, and they lender should have verified the payoff amount of the old mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 : Determination of Finance Charge the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # : XXXX, XXXX ) XXXX XXXX XXXX Account # : XXXX
Product: Vehicle loan or lease

I purchased a new XXXX  XXXX XXXX at XXXX XXXX earlier in XX/XX/XXXX. The financial institution ( Fifth Third Bank ) that the dealership settled with, after not waiting for me to unfreeze my credit scores, mailed the official paperwork to my house towards the end of the month. 

On XX/XX/XXXX, my wife and I attempted to open an account with Fifth Third Bank in Ohio ( after the paperwork arrived ), which could not be completed as the bank needed to verify who I was. It was not possible to call as it was Sunday. 

The day ( XX/XX/XXXX ) I called the bank with my cell phone number and verified who I was by name, account number, and mail zip code. I attempted to complete the automatic payment process so I could start making my payments. The bank then said they couldn't complete as they couldn't verify who I was, even though I verified by providing information through the phone call. They asked for a four-digit pin, which I never received, as the dealership was the one who set up my account, and they asked that I call from a phone number that was on the account ( my house number ). As this was at the end of the day, after the phone call ended, I attempted to call from my home number but the bank then closed for the day. 

I called earlier his morning ( XX/XX/XXXX ) from the number they claimed the account was set up under and they said they couldn't help me complete the automatic payment set up as they needed me to call from my cell phone, which they told me opposite of that the day prior. 

I am making this complaint as I seem to be getting nowhere with this institution on setting up something as simple as automatic payments on the loan. As I am now locked out of the account due to 'too many attempts ', and I run into the same obstacles on the phone with trying to reset my account as I am trying to set up automatic payments.
Product: Debt collection

I recently reviewed my credit reports and was shocked to find a collection account from Professional Collections for an alleged lease debt. I am formally disputing this collection, as I do not recognize the debt. When I vacated the apartment, there was no balance due. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification raises significant concerns regarding the validity and accuracy of this account. This erroneous reporting has caused difficulties in securing credit and is directly impacting my ability to obtain a home loan.
Product: Credit reporting or other personal consumer reports

There is a charge off of {$4900.00} on my credit report. I have requested that the balance be removed due to inaccurate information 4 times. They have not removed the balance and closed the dispute. They also have not responded to the dispute letter I have sent to them.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX NC XXXX XXXX XXXX Date : XXXX2024 To : Consumer Financial Protection Bureau Subject : Complaint Against Bullcity Financial Solutions for Violations of Federal Regulations Dear CFPB, I am writing to formally file a complaint against Bullcity Financial Solutions for violating my rights under federal law, including the Fair Debt Collection Practice Act and the Fair Credit Reporting Act ( FCRA ).

Bullcity Financial Solutions has placed a collection account on my consumer credit report without providing the legally required validation information under 12 CFR 1006.34 ( b ) ( 5 ). I have not been given the opportunity to dispute the alleged debt, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

This collection agency is engaging in false, misleadin, and deceptive practices, which constitute violations of my consumer rights. Specificaly Bullcity Financial is in breach of : 12 CFR 1006.34 ( d ) for failing to provide disclosures required by law.

15 USC 1681s-2 ( 7 ) ( A ) for furnishing information to consumer reporting agencies without proper authority.

Furthermore, Bullcity Financial Solutions accessed my credit report without my permission or any permissible purpose, in violation of the FCRA. This unauthorized action exacerbates their noncompliance and harms my credit profile.

I am disputing any and all debts allegedly owed to Bullcity Financial and formally revoking their rights to communicate with me through email, calls, or text messages.

In accordance with federal law, I am requesting the following from Bullcity Financial Solutions : 1. Debt Validation : Provide complete validation of the alleged debt, including documentation of the original creditor 's account details and evidence of the debt 's legitimacy.

2. Purchase Agreement : Furnish a copy of the purchase agreement or assignment of the alleged debt between them and the original creditor.

3. Licensing and Bonding : Submit proof that Bullcity Financial Solutions is licensed and bonded to conduct collections activities in my state of North Carolina.

These actions by Bullcity Financial Solutions hav caused undue stresses and adversely impacted my credit standing. I urge the CFPB to investigate these violations promptly and take appropriate enforcement action to ensure compliance with federal regulations.

Thank you for your time and attention to this matter. Please do not hesitate to contact me if additional information is required. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Equifax credit report shows none of my creditors have been updated since XX/XX/2023. This issue is only there for Equifax. All my credit accounts on XXXX and XXXX are updated monthly with no issues at all. I called in and did their ID verification by text ( scanned XXXX Passport and selfie ) and they told me they couldn't verify me and to mail documents in. I'm not mailing anything to a company that had a breach. I asked to speak to a supervisor and after a long hold, I got a supervisor who told me I failed verification as soon as he got on the phone. I asked the supervisor what my name was to see if he actually had my credit report up and he didn't even know it ... All he kept doing was lying to me. The fact that this company outsources its support and supervisor to XXXX is insane. This is our personal information in the hands of foreigners... They already had XXXX breach which I was a part of why risk another breach by outsourcing to foreigners when there are Americans who can do this job?
Product: Student loan

Reference Complaint : XXXX Status : Closed No communication after the above complaint was closed from Mohela. Everytime I call * I am on hold for a minimum of XXXX hours no matter what time of the day. Once I get through the rep then says I will be transferred to the Advocay team and placed on hold again. Out of the last XXXX times I have tried I was hung up on XXXX times and on hold until the end of day and hung up on XXXX times. I spent over XXXX hours on hold the last few days and I called early morning. 
* When I try to call the advocay number I get XXXX options : - the XXXX option just goes dead but stays on the line, - the second option is not a valid option recording, - the XXXX option I have no listing to get through to a person ( it wants an extension but non was given and you can not get a directory from option XXXX ), - the last option for a company operator goes dead but the line is still connected. 

Company 's Response Dear XXXX XXXX : MOHELA has reviewed your complaint madewith the Consumer Financial Protection Bureau ( CFPB ) regardingthe amount refunded to you for overpayments through PublicService Loan Forgiveness and XXXX XXXX. Our recordsindicate that you spoke with a member of MOHELAs CustomerAdvocacy Team on XX/XX/year>, regarding yourconcerns. As of this writing, MOHELA is reviewing your accounthistory to ensure that all eligible funds have been refunded toyou. Please note that MOHELA is only able to process refunds ofpayments applied to loans serviced by MOHELA or based oninformation received from XXXX XXXX XXXX. Payments madeto loans not serviced by MOHELA are processed by the loansrespective servicer. If you have any other questions or concerns, please dont hesitate to contact a member of our CustomerAdvocacy Team at XXXX from XXXX to XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You can also XXXX Sincerely, MOHELA
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Ive sent a letter to Equifax to stop XXXX reporting false inaccurate information on my credit report.Why is it they can get away with not contacting me or fixing the situation? Its been over 60 days since I received a XXXX response from them! This is against the freaking law to not respond to me which by law your supposed to delete them off my report if you don't respond within 30days! You violated the United States Code Law 15 U.S. code 1681b permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave you written cnt to report this on my consumer report! Remove it off my report ASAP!
Product: Credit reporting

They had never provided any link from this intuit to my personal name nor did they provide what this collection consists of, how and why I owe this amount, I also belive they respnded to me more then 30 days later.
Product: Credit reporting or other personal consumer reports

I requested the following : 1. An agreement between their agency and the original creditor showing that they are authorized to collect this debt in their behalf.

2.original agreement between the alleged debtor and the original creditor showing where they agreed to payment terms.

3.amount of commission paid to debt collector if debt collection is successful.

4.name and address of original creditor.

5.address on file for the alleged debtor. 

If these items can not be furnished with 30 days I request the item be removed from all credit bureaus, EXPERIAN, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to make a formal and urgent attempt to dispute the inaccurate and unauthorized information that continues to appear on my credit report. Despite my repeated attempts to resolve this issue, the incorrect information remains, causing significant harm to my financial standing and creditworthiness. I have attempted to address this issue on multiple occasions, yet the incorrect details are still being reported. This information does not accurately reflect my financial situation, and I did not authorize or initiate any agreement or transaction associated with this account. The presence of this erroneous information on my credit report is severely impacting my ability to secure credit, and it is undermining my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX  Credit. I have requested information from XXXX  to confirm if a debt is accurate. I included my social security card and drivers licensed. The company did not respond. An example of how serious this fraud claim is, XXXX XXXX XXXX Account # XXXX for Loan Amount {$5500.00}. This company is committing fraud. I am requesting that XXXX  request the original contract and any move-in sheets before and after be provided. Companies are able to put these false claims on a credit report without having any documentation to show an agreement existed or that the amounts owed are accurate. In the case of XXXX XXXX XXXX XXXXepresenting XXXX XXXX. I never signed a lease with the apartment complex. When I asked to sign my lease the managers assistant told me not too. When I moved into the apartment I was harassed so much by management because the assistant saw the error the manager made and use me to get the attention to its corporate office. I was recovering from XXXX and stage XXXX XXXX and the harassment was affecting my health. I would request heat and get no response ( remember my health was bad ), I provided documentation to show how roaches and ants was coming through several unsealed cracks. The management said it was renovated! 
XXXX  needs to request the signed lease and pre moved signed check list for XXXX XXXX under XXXX XXXX from the XXXX XXXX XXXX. This same request for information is for XXXX XXXX XXXX XXXX  Account Number XXXX. In the case of Account number XXXX for {$2400.00}. I cancelled my XXXX service with XXXX XXXX XXXX in XXXX for poor billing process. As a result I am requesting the original contract for my phone service and the cancellation documentation for XXXX service. 
The account XXXX XXXX XXXX  Account Number XXXX {$4400.00} is an account I tried to contact but the company would not send the original contract for me to review. Please have XXXX  send these companies my request for documentation to prevent fraud on my report. I am sending this request through the CFB to track the response from XXXX  for these requests. If this information is not provided by XXXX with in 30 days, I would like the account removed from my credit report until the information is provided. I am exercising my rights under Fair Credit Reporting Act 609 and 611. 

Attached are the accounts from my report in which I am requesting the original documentation. 

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

On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later, XX/XX/XXXXthe account re-appears under a different account number with a collection agency AFNI. AFNI is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress Collection is reporting inaccurate information to my credit report and XXXX is allowing it. I've sent multiple letters to both to have them correct their mistakes and delete this account. Congress Collection showed no validation but a bill they probably printed themselves. This is ridiculous! 


Congress Collection letter dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian letter dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is telling The US Department of Education that I have a credit freeze when I never had one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran credit report for home loan. Report came back with a credit card opened that I have never had. I do not have any credit cards. Also says account was opened in 1984, I was not alive in XXXX. This needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : 49 Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account.
Product: Checking or savings account

On Friday, XX/XX/2020, I was in the process of entering my landlords information on XXXX . A feature that is on my Chase app and approved by their company. I did not save my landlords information in error and the funds in the amount of {$1100.00} went to the wrong recipient. As soon as this happened, I called Chase immediately. They told me that if the recipient would contact them, she also has a XXXX account, they would be able to file a claim and have the funds transferred back to my account. The recipient called and explained she received this money in error and authorized them to withdraw the amount from her account. Then the representative told her they wouldnt because she had insufficient funds. I found this to be incredible because this money that belongs to me, now Chase is keeping to cover someone elses overdraft. I asked to speak to a supervisor with the recipient on the line. The supervisor, XXXX got on the line. She told me another story. She told me that although both accounts are Chase accounts that she couldnt do anything about it because it was done through the XXXX app. So the recipient and I were floored by this. We asked her that if the bank in error would deposit a XXXX dollars into an account, that whoever receives that money would be able to keep it? And her answer was YES. I am in shock that this is their policy and maybe this needs to be investigated. I have been a loyal customer for about five years and have never had an issue with the bank. I do not understand why they have refused to return my money. I am disputing this and would like my funds back in my account as soon as possible.
Product: Debt collection

Specified credit association called my employer without permission. Stated that now that they have verified employment they can go for wage garnishment. They call my cell everyday multiple times and have mailed out several letters regualr and certified. Now they are calling my employer. This is harrasment and the medical bill from my sons dr isnt even that old.
Product: Debt collection

In pursuant to 15 USC 1692c Capital One has violated my rights. 
Please see attached Request Letter
Product: Debt collection

I received a letter stating that I owed {$2500.00} to Citibank a company that I have never done business with and offering a settlement amount of {$760.00}. Normally of collections letter they say something regarding disputing within a certain amount of time but this one does not say that. But it does say due to the age of the debt law prohibits me from being sued or from it appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX  - XXXX - {$1200.00} Inquiry XXXX XXXX  XXXX XX/XX/year> Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

these us bank accounts are not mine. they are fraud and id theft and i want them deleted. 

XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXX