23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. XX/XX/XXXX I certified mailed and filed a 13-page written dispute with the medical facility, XXXX XXXX on behalf of XXXX XXXXXXXX XXXX XXXX and the most recent debt collector, XXXX. 
2. This written dispute is detailed in bullet points, including dates, names, and conversations with, XXXX, XXXX XXXX XXXX XXXX XXXX, Health Insurance XXXX XXXX XXXX, XXXX  by XXXX XXXXXXXX, XXXX, the first collections agency, XXXX XXXXXXXX, and XXXX, the second collections agency, XXXX, between the date of medical service on XX/XX/XXXX and date of dispute mailing on XX/XX/XXXX. 
3. Communication with XXXX XXXX XXXX XXXX XXXX XXXX despite three separate phone conversations with three agents and each agent agreeing that the original bill had been processed with insurance incorrectly ( as deductible plan and not as the correct co-pay plan ), as well as committing to reprocess the claim, no resolution is reached. 
4. Communication with XXXX XXXXXXXX, despite two conversations with two different agents confirming that XXXX XXXX billing department did not reprocess correctly and then did not reprocess at all. 
5. Communication with XXXX, despite a minimum of several conversations with at least seven different agents, all who confirmed that the claim had to be reprocessed and that XXXX XXXX continually failed to do so, therefore reactivating the continued collection communication, it was ultimately stated that by Agent XXXX on XX/XX/XXXX, " This can not be correct, never processed under correct plan. '' 6. Communication with XXXX XXXX XXXX XXXX XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX despite my continued outreach and efforts to coordinate the correct processing of this claim and the mailing of the official dispute, no communication was received until the re-emergence of the collection efforts by the third collections agency ARC Management Group . 
7. As stated on the written dispute, the horrendous amount of time, effort and financial loos on my part in attempting to explain, support and request correct insurance processing- which, to date, has not been made whole, has caused me and my person extreme duress and hardship. Receiving this new onslaught of collection notices and threats has only continued now three years of harassment by XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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 consumer with the necessary proof of investigation. These are the accounts that are inaccurate. 
XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX 2025
Product: Credit reporting or other personal consumer reports

I was told over the phone by XXXX that there is a credit suspension on my account. The Dept of Ed has NOT released the credit suspension which has been on there since XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I filed for bankruptcy protection on XX/XX/XXXX. At the time I had numerous loans with USAA. One loan in particular has close to a {$50000.00} balance and my parents are co signers on the loan. My parents mailed in a payment on XX/XX/XXXX to continue payments on the loan. They want to continue to make payments on this loan to protect their creditworthiness. However, USAA is not accepting their payments. To add insult to injury, they are returning their payments to me in the form of a check. So basically my parents are sending them the payments on the loan, and USAA is in return sending the payments to me. I am worried this will affect their creditworthiness as well. I have tried to call USAA on this and they will not address this issue.
Product: Mortgage

My divorce is complete except the deed of trust is pending due to a filing error done by the mortgage company Loan Depot. 

I refinanced my house in 2022 as the sole borrower on the mortgage. All documents state me as the borrower ( note, statements etc. ) however the deed of trust they filed with the county states otherwise due to an error and how they do that one document. However they confirmed hes not a borrower on the loan. The document is misrepresenting and misleading stating hes a borrower when he IS NOT. This has caused a major issue in my divorce proceedings as the attorneys think hes on the loan when hes not. They want me to sign a deed of trust to secure assumption so he can foreclose on me if I ever missed a payment. Loan Depot states he can not assume the property because hes not on the mortgage. Loan depot refuses to amend the document stating its already been done. This has caused me more money on fighting the divorce attorneys, time, etc I need help getting loan depot to correct their error and to amend the documentation to reflect accurately and appropriately the true mortgage borrower.
Product: Vehicle loan or lease

on XX/XX/XXXX Kia Finance America repossessed my vehicle due to nonpayment, but they never sent statements in the mail as requested. Also, the online portal was down all the way up to XX/XX/XXXX and when i did get access, the statements did not appear in my online portal until the day of repossession, XX/XX/XXXX. There was no calls or letter sent to me about the past due amount while their system was down. I was never given the opportunity to pay the past due amount. They repossessed it and I got the only statement pertaining to the past due amount in the mail today, XX/XX/XXXX. Also, I believe they are retaliating against me because I sent a letter asking them about a Lien that was on the vehicle prior to me purchasing it. I never received a response. They seem to never have a record of any mail I've sent. This was a Brand-new vehicle and I found out that KFA operating under Hyundai Finance America never financed a loan with me but they in fact transferred a debt that belonged to Hyundai XXXX  Funding, LLC and I was to be paying back that debt. They used a false and misleading contract. I was not aware that I would be paying off a debt already attached to a brand-vehicle. I have asked for documents, other than a bill of sale, showing where KFA paid for the vehicle such as a copy of a check or provide the UCC financial statements where I am listed as the debtor to justify the current lien on the vehicle. I am claiming Bona Fide Purchaser Rights. The past due amount has been paid.
Product: Mortgage

XX/XX/2023 US Bank sent a notice of default allowing me 30 days to either make partial payments for the past due interest of {$3600.00} or pay the whole sum. I made a {$470.00} payment XX/XX/2023. US Bank never applied this payment to my account. Debt collector XXXX sent a letter XX/XX/2023 requesting the full HELOC principal and interest of {$170000.00} be paid and stated the property my primary residence was being published in " Legal ledger '' on XXXX to be auctioned XX/XX/2023 by XXXX 
They postponed sale but now are auctioning themselves and not listed on XXXX for XX/XX/2023. 
Every time I call US Bank remote phone representatives working from home switch me from person to person for three hours logged on the phone. I've tried this more than four times over the past four months since XX/XX/2023. They are intentionally not sending the loss mitigation applications by mail or email. Dual tracking. 
One payment was missed in XX/XX/2023. 
In XXXX I explained the tripled monthly payment on the HELOC was supposed to have been fixed at the 3.25 % interest rate. Instead they increased it to 8 %. US Bank sold the copy of the note to a very aggressive debt collector who has home investors lined up to buy the property for just the amount of the HELOC third place loan {$170000.00} when property is worth {$460000.00}. 
XXXX XXXX created XXXX and XXXX XXXX, however he is operating the XXXX firm as a supposed trustee so he can foreclose and reap the equity in the house in a scandalous manner. He bought the copy of the note but not the mortgage for a few XXXX dollars from US Bank. US Bank has already charged it off on their accounting books. 
This HELOC was already sold into the market pooled as a heloc-backed security.
Product: Debt collection

I've sent a validation letter back on XX/XX/XXXX. I've received nothing but a snap shot of an account. I asked for the following below so I'm submitting another complaint. 


I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full directly to XXXX XXXX XXXX XXXX. This account should never had gone to collections in the first place and it should be reporting a {$0.00} balance. XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Mortgage

Bank of america just sold my loan to XXXX XXXX. I am having nothing but issues with XXXX. Because bank of america refused to send my partial payment and the payment of {$160.00} to notify XXXX. Now XXXX says I owe them {$2800.00} and I have my bank statements to prove that the payments I made to bank of america have cleared prior to XXXX taken over. I only owe them for 1 month payment which is XX/XX/2001. I tried to make my bank payment with XXXX not they say I am not allowed to make payments. I have been harassed by bank of america for 10 years and now XXXX is harassing me by falsely saying I owe them {$2800.00}. I am under bankruptcy protection. I am being discriminated against and harassed because I am a single female. They're both trying to make things as difficult as possible for me. They are retaliating against me because of the complaint I made against them by trying to make me late by blocking me to where I can't make my payment. They are trying to lie to my lawyer that I reported false information to the bankruptcy court about how much payments I was past due which was {$4500.00}. Which they was reporting on my mortgage statement. They can not except that I have filed for bankruptcy.
Product: Checking or savings account

Chase illegally locked me out of my accounts.

Chase refused to close accounts via telephone.

Chase refused to close accounts in branch.

Chase ignored emails to close accounts.

Chase failed to provide accommodations for disabled. 

Account was able to have all funds removed but refused closure. 

Monthly service fees accrued for account maintenance on XXXX balance with refusal to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that need to be removed CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX. ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXXXXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # : XXXX,
Product: Debt collection

XXXX XXXX has been repeatedly denying my claim for a healthcare bill that is not my responsibility since XXXX. I suffered a XXXX and was taken to the XXXX Department at XXXX XXXX XXXX Hospital in XXXX, XXXX  on XX/XX/XXXX. At this time, I was fully covered for healthcare under XXXX XXXX with XXXX XXXX serving as my healthcare provider. I learned that XXXX has been repeatedly denying my claim for insurance recovery because they have been informed that I have primary insurance coverage with the XXXX XXXX XXXX ( XXXX ). I terminated this plan in XXXX, XXXX and only used it while I was living in XXXX. Since then, I returned to XXXX and have had XXXX XXXX as my primary insurance provider since XXXX, XXXX. XXXX initially billed me through a creditor called XXXX XXXX XXXX and I previously filed a CFPB complaint. That creditor responded and notified the CFPB that the debt would be waived given the circumstances. They have now sold the account to XXXX XXXX XXXX XXXX and are billing me through a creditor called Pendrick Capital Partners LLC. Here is information about my XXXX XXXX XXXX XXXX : XXXX XXXX Patient Account # : XXXX XXXX XXXX Patient Account # : XXXX Patient ID # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX   XXXX Effective date of insurance coverage : XX/XX/XXXX
Product: Checking or savings account

The following Citibank Client Services checking account : XXXX is fraudulent, unauthorized and not my checking account. I never applied for a checking account online with Citibank.The checking account isnt my account and dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have made three separate requests for a credit report on all bureaus, and the only bureau that complied was XXXX. I have no idea why it would take so long to obtain a free annual credit report, but I have showed Experian and XXXX XXXX the cover page from XXXX to validate my residency. I need for both bureaus to comply and release my credit report mandated through the Fair and Accurate Credit Transactions Act.
Product: Credit reporting or other personal consumer reports

15 USC $ Permissible purpose of consumer reports1681b. 15 u.s.c. 1681a and 15 USC 1681.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability.

Please Delete false information from my consumer report immediately!
Product: Checking or savings account

I have had a personal and business account with Chase, and the account is held at the branch in XXXXXXXX XXXX, where I used to live. It includes a safe deposit box as part of the original arrangement, and has been free of charge for many years. I moved to XXXX in XXXX, and recently received notice on a periodic statement that the safe deposit box will now incur a rental fee effective XX/XX/XXXX. I do not have any contents in the safe deposit box and have never used it, so I went to my local Chase branch in XXXX XXXX ( or XXXXXXXX XXXX XXXX to request the safe deposit box be closed, so as not to incur any unnecessary rental fee. The XXXXXXXX XXXX XXXXXXXX will not close the box unless I am there in person, requiring me to fly up to XXXX XXXX nor will they permit a designee of my choosing who lives in XXXX to do so in my name. So I will incur airfare and possibly hotel fees just to close an account I have never even used. I can not see how this is anything less than an Unfair practice under the XXXX provisions of XXXX. Please help bring me fair and equitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Experian on several occasions ( at least 5 times ) and the other major bureaus that they have the wrong information with regards to my name, address and telephone number.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 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 XXXX XXXX XXXX XXXX
Product: Mortgage

I applied to refinance my home with the same bank as my current mortgage. 
Santander Bank. 
The bank is not going to refi without a profit and loss statement. 
I have already given the bank prior tax returns an all other documentation needed with no issues. 
I have XXXX in equity in my home I have XXXX cash in the bank Something does not seem right due to the fact that we are in never before seen times due to health emergency. 
They wanted 2021 tax returns but we havent filed yet as a lot of businesses have not done. 
Turned down for a refi with the same bank i pay monthly over not disclosing my profit and loss information I am a small business owner and not one to quickly judge anyone XXXX XXXX
Product: Debt collection

1. I do not know Kinum , Inc. COLLECTION SERVICES 2. I do not have any contractual obligation to Kinum , Inc. SERVICES. 

3. I never signed any agreement with Kinum , Inc. SERVICES. 

4. I never consented for Kinum , Inc. SERVICES to share my personal information. 

5. My name is Copyright protected through my tribe. 

6. That copyright is registered with the Library of Congress. 

7. I am advising Kinum , Inc. COLLECTION SERVICES to cease and desist any/all collection regarding this name. 

9. I am advising Kinum , Inc. SERVICES to cease and desist any and all collection against me. 

10. I demand Kinum , Inc. COLLECTION SERVICES contact XXXX/XXXX/XXXX  and any and all third parties that they have shared or give my copyright protected information to. 

11. Failure of Kinum , Inc. COLLECTION SERVICES to contact any reporting agency and have my private, copyright information will result in my exhausting my legal as well as Tribal Remedies. 14. No further notice besides this notice shall be given.
Product: Credit reporting or other personal consumer reports

My consumer report has information that does not belong to me as well as information that belongs to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting accounts that are too old to report according to fair credit act
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully ask that the following accounts and inquiries be removed from my credit file : Unauthorized Accounts : 1. XXXX  XXXX XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX has destroyed my credit and my reputation by reporting this false info please provide proof the payment was late and please provide a detailed account statement.
Product: Credit card or prepaid card

I AM GETTING SICK AND TIRED OF THIS COMPANY TREATING ME SO WRONG THEIR CREDIT DEPARTMENT IS HORRIBLE WITH ME EVERYTIME I APPLY FOR MY BLOOMINGDALES CARD ONLINE OR IN STORE THEY DELCINE ME DUE TO A TEXT MESSAGE THEY TELL ME TO STOP APPLYING ONLINE AND GO TO THE ACTUAL STORE WITH ME ID I WENT THIS MONTH ON FRIDAY AND THEY REFUSE TO PROCESS MY APPLICTIONS WHEN THEY TOLD ME TO GO AFTER 30 DAYS WHICH I DID AND THE SAME THING HAPPENS THEY DONT TRY ITS LIKE THEY DONT WANT ME UNFAIR WITH ME XXXX XXXX HAS BEEN UNSUCCESUL IN GETTING THIS RESOLVED THEIR ARE DIFFERENT METHODS TO COMPLETE VERIFICATION BUT THEY CHOOSE NOT TO HELP ME AND SAY THAT TEXT MESSAGE IS THE ONLY WAY THIS IS RIDISICLOUS AND I WENT TO THE STORE I HATE THEM THEY GIVE ME A HARD TIME FOR NO REASON
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. 

XXXX XXXX