23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX my family and I decided to transfer 4 XXXX wireless cell phone lines over to XXXX as part of their " We'll cut your cell phone bill in half '' campaign. I was skeptical at first, and asked the salesman a lot of questions about their service, how quickly the conversion takes place when they switch your phone numbers over to XXXX  phones, etc. He promised a smooth transition. However, 3 weeks later, we still had 2 phones that didn't work properly, my sons texts were going to my wife 's phone and visa versa, and so I had to spend the better part of each day for 3 weeks calling their service number, and having to re-explain the situation all over again from scratch, as they kept no computer records of the previous days interactions, and nobody knew how to fix the problem of getting our phones to work properly. After 3 weeks of XXXX, I took the new phones into the branch and returned them and asked them to cancel our service, as they we're never able to provide the services they promised to us. The salesman was very apologetic and said we would get us a full refund, and I believed the case was closed. 

3 years later, in XXXX of XXXX, I get a collections letter in the mail. I immediately disputed this charge, and have gone through the painstaking steps of disputing this 3 times, and still no solution. This is a bogus debt, and now I am trying to build a house and this on my credit record is preventing us from getting it approved, not to mention financial damages in the form of mortgage insurance increases and a higher interest rate. I want this removed from my credit. I don't see how these phone companies can get away with this. It seems like anyone can ruin a persons credit with bogus claims. I think this is unacceptable. Thank you. Please see supporting documentation.
Product: Mortgage

For over a year I have been trying to obtain a modification with my lender Bank of America. I have had my mortgage for over 20 years originally with Countrywide Mortgage then Bank of America acquired Countrywide Mortgage. Bank of America denied the modification stating they could not verify qualifying income. I have worked as a salaried employee in the XXXX industry for over 30 years. I do have a side XXXX XXXX business with my son. Seven months ago I brought in a third party, XXXX XXXX who is a underwriter and she developed the Loss Mitigation Department in XX/XX/XXXX for Countrywide Mortgage. I have not paid her a dime and she reviewed, underwrote my financial package and has re-submitted the package numerous times with the same result of denying the modification for not being able to verify qualifying income. A year ago I did submit Profit and Loss Statements that I completed not my accountant for XX/XX/XXXX and start of XX/XX/XXXX. I am now in foreclosure which was recorded in XX/XX/XXXX. I do not want to lose my home. Not one representative could give a straight answer as to why they keep denying the modification since XXXX XXXX has re-submitted updated, paycheck stubs, bank statements, direct deposits, 1040 tax returns and financial form. Finally two weeks ago XXXX XXXX got to the bottom of the denial that it was because of the Profit and Loss Statements I originally submitted almost a year ago. Instead of conditioning for proof of that income they kept denying the file. XXXX XXXX contacted my Accountant, XXXX XXXX and he completed and signed XX/XX/XXXX & XX/XX/XXXX Profit and Loss Statements and also the XXXX & XXXX Partnership Returns. Bank of America came back again and stated they could not verify qualifying income. Also they state that XXXX XXXX XXXX XXXX, XXXX is the Investor on the loan, they are not they are the Trustee. XXXX XXXX contacted XXXX XXXX XXXX  XXXX, XXXX and they stated they are not the Investor but the Trustee. Bank of America has a lot of mis information as far as my mortgage loan go. Please help me. Attached is one of many of the denial letters. This circumstance has created a huge emotional and mental hardship on me. Have gone through a financial hardship and divorce that is why I have requested a modification so I can get on with my life.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and I noticed that I have some accounts that doesnt belong to me, I need that you verify these accounts and in the absence of any verification, please remove it from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are unrecognize hard inquiries appeared on my credit report that I want to remove for accuracy : 1/ XXXX on XX/XX/2022 2/ XXXX XXXX XXXX XXXX  on XX/XX/2022 3/ XXXX XXXX XXXX on XX/XX/2022 4/ XXXX XXXX XXXX XXXX on XX/XX/2022 5/  XXXX  XXXX XXXX  XXXX  on XX/XX/2022 6/ XXXX XXXX XXXX on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

ACCOUNT IS IN LITIGATION I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has ILLEGALLY sold debt to XXXX XXXX XXXX XXXX and is in direct violation of 15 U.S.C., Sec 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Sealed Affidavit has been sent to both companies with no response which will now result in criminal charges being filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT HOLDING with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service XXXX XXXX XXXX XXXX IRS XXXX ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT. Upcoming court dates will be sent to both parties to resolve this matter expeditiously.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate account : XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Subject : Dispute Regarding Capital One Account Closures and Inaccurate Fraud Claim To Whom It May Concern, I am submitting this complaint regarding Capital Ones unjustified closure of my three credit card accounts under the false claim of " fraud. '' This action was taken without prior notice and has now caused significant harm to my credit report. 

Upon contacting Capital One for clarification, I was informed that the closures were due to " fraud '' related to returned payments. However, I have never had fraudulent activity on any of my accounts. The returned payments were a result of a temporary financial hardship due to an illness, which prevented me from adjusting my autopay settings on time. This caused payments to be drawn from an account with insufficient funds. Prior to this, I had never missed a payment on any of my Capital One accounts. 

Capital One representatives also asked if I had fraud on my bank accounts, which I do not. Despite my explanation and proof that this was not fraud, they refused to reconsider and have explicitly stated they will not reopen my accounts. It appears they are unfairly using a fraud-related excuse as a reason for account closure, rather than acknowledging the true nature of the issuea short-term financial hardship. 

I believe this action is unjust, misleading, and detrimental to my credit standing. I respectfully request that the CFPB review this matter and hold Capital One accountable for its inaccurate and damaging reporting. Additionally, I would like Capital One to provide a proper and valid explanation for its decision and remove any fraud-related remarks associated with my accounts to prevent further harm to my credit profile. 

Please advise on the appropriate steps to dispute this matter further. Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

My identity has been exposed due to data breach from credit bureau and or XXXX XXXX XXXX  company I have filed FTC report and dispute XXXX has failed to reply or resolve my dispute after several attempts but or reporting inaccurate information and data
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I applied on line for an HSBC credit card HSBC Cash Rewards Mastercard credit card. On XX/XX/XXXX, I wanted to cancel, and got into an online chat at https : //www.us.hsbc.comXXXX and they assured me that my credit card application has been closed or abandoned and that no derogatory credit mark has been placed on my credit history because there was a problem verifying my identity. Today XX/XX/XXXX, to my horror, I was informed that my credit report had a derogatory credit inquiry. I started another chat on line, and they told me that they can not remove my credit inquiry and that my credit card application has been denied. Since I wanted to cancel my application yesterday, and since they told me it was unnecessary for me to do so because my application has been canceled because of an identity verification problem, I feel I have been unfairly damaged by HSBC. Moreover, throughout this entire process, I was never notified by email verifying that I filed an application for a credit card, and thus had no way to contact them or address this issue. You need to subpoena the chat logs from XX/XX/XXXX saying that my credit card application has been canceled and that I need not worry as no credit inquiry has or will be made!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress financial loss, and for these violations.
Product: Debt collection

Collection Reported by ABILITY RECOVERY SER Date : XX/XX/2023 Amount : {$640.00} Agency Address : XXXX XXXX XXXXXXXX XXXX, PA XXXX Agency Phone : XXXX
Product: Mortgage

I am refinancing with a different company. Fifth Third Bank, in sending the payoff amount, included a late fee. This was prepared in XX/XX/XXXX as you can see. I've NEVER been late nor charged a late fee. They added this fee before the grace period ( 15 days ) was even over! 

I called today, the rep said too bad, that's just what they do and they can't send anything different to escrow XXXX XXXX and this is about to close. 

They are trying to get PAID for a fee I did not incur through escrow! If I hadn't checked my closing documents carefully I might not have seen this, and how many other people have they don't this to? This isn't my first home so I'm aware of charges. This is wrong and they are unwilling to help.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report with Experian. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX XXXX XXXX XXXX XXXX inquiry date XXXX. XXXX. XXXX XXXX inquiry date XXXX XXXX. XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to Experian Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with Experian
Product: Credit card

I had a fraudulent charge on my XXXX XXXX for {$66.00}. FNBO agreed to the fraud and closed my account and sent me a new card. While resolving the claim and transferring cards they placed an additional two charges on the account with only one credit. Now there are 3 charges of {$66.00} with a credit of only {$66.00}. I have called multiple times with no resolution. I was told that customers can not see accurate information online so I had to wait for a statement but was still responsible to pay yet they agreed it was fraud? They said I would then see the credit and be issued a credit AFTER the statement and AFTER my payment. Then the agent said there would be a credit of {$280.00} which did not correlate the {$66.00}. 

When I asked for a manager he was dismissive but agreed. I was then disconnected and not called back by a manager. The charges were between XX/XX/XXXX and XXXX. My calls were XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated 2 transfers totaling {$720.00} and {$30.00} and they were promised with a maximum of 10 days transfer time. After that I initiated a dispute with my payment method around XX/XX/XXXX till XXXX, 2021. My bank suggested that I contract the company. I tried contacting the company via email, live chat, and phone. Some of my emails where not answered at all or just generic responses. 

My recipient has still not gotten the money, around 3 months after the transfer and I am currently not been refunded as of XX/XX/2021. 



I submitted a complaint to the California Department of Financial Protection and Innovation on XXXX.
Product: Debt collection

I have repeated told them I have had some medical issues arise, I have been put on XXXX, I am aware of the debt and to please stop calling multiple times daily as it doesnt help get them any money or help me get better where I can work and pay my debt. Very nasty individual called today speaking to me like a 2 year old. I may be sick but I am not a child
Product: Debt collection

I had 2 credit card with the suntrust bank which were sold to Truist bank. I had a law suit filed by Truist Bank against me re one of the credit card in XXXX. Somewhere around XXXX of XX/XX/2021 I received the phone call from XXXX XXXX XXXX. Since one credit card was in the legal dispute and only attorneys could communicate on the subject I thought that XXXX XXXX XXXX XXXX Rep is talking about the second card and I settled the debt for {$3000.00} with the XXXX XXXX XXXX XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX and this settlement was fully paid ( {$1000.00} withdrawn from my account on XXXX XXXX ; XX/XX/2021 and XX/XX/2021 ). Meanwhile I also settled the credit card which was in the legal dispute through my attorney and also paid the settlement fully and the file was closed on the court level. Later I discovered that both settlement were done for the same credit card ( not two different accounts ). I called Truist Bank and they said that they never received the settlement from XXXX XXXX XXXX nevertheless they sent me 1099 C form with the debt discharge and the amount corresponds to XXXX XXXX XXXX settlement. I attached the letter from XXXX XXXX XXXX. I paid for the same settlement twice and it is a fraud on Truist Bank side.
Product: Debt collection

I was a victim of identity theft or my identity was compromised the following accounts and debts showing on my account I did not own I have no knowledge of the debts I became aware of it on the date XX/XX/XXXX and I added fraud alert on my account on XX/XX/XXXX which I have on my following account and I am trying to resolve these two accounts and disputed with midland funding and which I don't know off these two accounts one with XXXX XXXX and one with the XXXX XXXX I already submitted a dispute on XX/XX/XXXX with credit bureau XXXX and the dispute was not in my favor I have also added a security fraud alert with XXXX I request for the removal of the debts and update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEZZLE INC is showing open on my credit report when it was paid and closed back in XXXX. Ive contacted them. Ive done disputes through XXXX, XXXX XXXX XXXX with no changes to this account. It comes back as verified. 
Also, the late payment was not supposed to be on my credit report. I was never late. 

XXXXXXXX XXXX- shows a late payment for XX/XX/2022, I was never late. Ive tried to dispute with 3 bureaus but it comes back verified. 

Please delete both discrepancies
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, 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. $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( 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: Debt collection

XXXX Cease and Desist letter was mailed to Guarantee Loan Service informing I would not be able to continue payment due to a financial  hardship. 

XXXX Guarantee Loan representative called my home requesting payment Early XXXX XXXX Guarantee Loan went to my neighbor 's house at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX to let her know I owed them money. They also requested she give them a call to let them know that I am at home. Since then, XXXX XXXX has been calling my neighbor repeatedly regarding MY debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I noticed numerous inaccurate accounts, inquiries and information on my credit report I've reached out to the credit reporting agencies to correct the issues but they did not please see the attachments included in the following complaints
Product: Debt collection

XXXX XXXX I do not open an account. This account is with Caine & Weiner a collection agency.
Product: Credit reporting or other personal consumer reports

Experian sent an email to me, saying that they noticed, that all my bills are paid on time ; yet they continue to keep my credit score low, so they can offer High Interest Rate Credit Cards!!!!! 
This is wrong, and I'm experiencing this problem on all 3 credit reporting agencies.
Product: Debt collection

I found that Diversified ( listed as a collection on my credit bureau report is reporting and unpaid debt which they have listed XXXX as the original creditor. The debt is not mine. I never received proper notification that the debt was validated by XXXX XXXX. I never received notice that I have the right to dispute the debt. I never received notice of what it comes from or why Im being billed {$110.00}. I had a long relationship with XXXX and never had any outstanding debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY
Product: Debt collection

My contract was with Credova. Not the financial service company trying to charge me more after Ive already paid off. Which shortly after obtaining the loan they switched payment methods to XXXX XXXX XXXX XXXX XXXX XXXX Theyve called me at work when Ive asked not to do so. After XXXX and after all of that I paid the full payoff amount XX/XX/XXXX with my taxes. This month they have tried to charge my account and say I still owe {$140.00} which I do not. When I submitted the payment my payoff had a XXXX dollar balance. Now they are trying to intimidate me by saying a few negative reviews is nothing compared to their XXXX years of service. I have the screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax re-inserted a bankruptcy into my Equifax file after deleting it. However, they never notified me within 5 business days of doing so nor did they provide the contact information for the company that furnished the information.