23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Genesis Credit Management is working on behalf of XXXX XXXX XXXX  where I once resided the pandemic caused me to fall behind two months of rent at {$1500.00} for each month and she sent me a paper with my balance however we went to court and the judge put in agreement that I would move out and not have to owe her and case was disposed the owner however reported debt and she takes the amount up every time I dispute and now says I owe {$8900.00} or something close to that amount
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights 15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I am not liable for this debt with " XXXX XXXX XXXXXXXX XXXX and do no have a contract with " XXXX XXXX XXXXXXXX XXXX  they do no provide me with the original application like I asked
Product: Checking or savings account

I opened a new checking account with Regions Bank on XX/XX/XXXX by using a promotional offer that I received from Regions Bank. I have already met all the requirements of this promotional and have kept the required $ XXXX balance in the checking account for more than 120 days. Based on the promotional offer, I am supposed to receive {$1500.00} bonus in my account already. However, so far this {$1500.00} bonus has not been posted to my account yet. 

I request Regions Bank to post the {$1500.00} bonus to my checking account based on this promotional offer immediately without any further delay.
Product: Debt collection

I have been trying to reach out to the 3rd party debt collector Spring Oaks Capital ( On behalf of/debt purchased from XXXX XXXX XXXX ) by mail so that a settlement resolution can be reached in writing. However Spring Oaks Capital has continued to call me over the phone where in my letter I expressed that I need to be reached via mail to a new address.
Product: Credit reporting or other personal consumer reports

The reported late payments do not align with my consistent payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I applied for a Forever 21 card while on holidays in Hawaii. I made a payment of the balance and the check from my bank was not received resulting in a {$5.00} late charge and a fee. I provided copies to the credit card company of my payment. After calls, I was assured ALL fees and charges would be reversed. I paid the online payment that day through their online portal. Subsequently another {$5.00} charge was issued. Since I was told ALL charges would be reversed I did not even check the statement expecting no balamce. Then I looked a couple of minths later at me estatement and saw a balance. I called and they reciewed and even though I was told ALL charges would be removed, the call got disconnected and when I called back the new woman stated an amount including the {$5.00} which I did not catch. They are arguing that I should have paid an extra {$5.00} ( even though I was told ALL charges would be reversed and this second {$5.00} was not even on my account at the time THEY are WRONG! I want thos {$5.00} fee late payment removed from my account and to know what options I have to further complain about them.
Product: Mortgage

After going through the mortgage process for over 45 days, we were asked to make a payment on an account that was difficult. We finally made the payment and they denied us after the proof of payment was given. They stated we were close to the limits of that income, but would not furnish any information on the actual debt to income policy or the policy of the bank, they stated that there was collection, action or judgment, but we provided proof that the account was paid off and there are no collections on the credit report or currently on the account
Product: Debt collection

I have a debt on my credit report that was acquired by a company Vance & Hoffman and it is totally invalid. I already proved to the original company that I never received the product that was in question and the original company removed their debt collection efforts from my credit report. This other company decided they were going to continue to collect money from me illegally. They are affecting my credit score illegally and I need them to be stopped.
Product: Mortgage

I XXXX XXXX live XXXX XXXX XXXX XXXX Il XXXX have a mortgage reverse since 2008 in the amount of {$310000.00} lien mortgage. I was not given the opportunity for a counseling session. The mortgage lender has been working with me to get caught up with the taxes. I was under the impression to help me stay in my home. Then all of a sudden the mortgage company file for foreclosure against me and took my home and confirmation of the approving the sale is XXXX XXXX. I have been told to wait when in communication and had no idea that my home was been taken from me. I only received {$1000.00} per month and have not been able to pay a high tax for {$1800.00} per year when I am getting a XXXX freeze home owners exemption and homeowners exemt exemption. Their is some Mortgage Fraud going on. My taxes should not be this high. Its not fair for The Federal Housing Administration to pay off the loan that was insured and defraud the government when I am still alive. My taxes has been inflated. I only have until XXXX XXXX which is the confirmation of the sale. Something is wrong here. I am XXXX XXXX years old.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

XXXX XXXX XXXX represented by Machol & Johannes, LLLP XXXX XXXX XXXX XXXX XXXX, nm XXXX XXXX contact person XXXX XXXX XXXX filed a lawsuit and a writ of garnishment XX/XX/2018 claiming to have a default judgment against me for an amount of {$2300.00}. I contacted these people numerous times via us mail with return receipts, faxes, telephone calls, emails to verify the above mentioned debt and where I agreed to pay this. Still no debt validation. 

However, they decided to file a lawsuit without notifying me or having me properly served. I do not hear anything else from them, then I receive a writ of garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My name is XXXX XXXX. I am over the age of XXXX years. I have first hand personal knowledge of the facts stated below. 
2. As of date, XX/XX/XXXX, I have not received any written response to the documents I mailed on XX/XX/XXXX to the person ( s ) named below. The documents mailed and the delivery dates were : Notice of Contract Change - XX/XX/XXXX Settlement Offer - XX/XX/XXXX Notice and Demand For Payment - XX/XX/XXXX Validation Letter - XX/XX/XXXX XXXX. XX/XX/XXXX - Affidavit was mailed to initiate a response from XXXX XXXX Bank. They have not responded and have not been transparent or have had full disclosure between me and XXXX XXXX Bank. 

I, XXXX XXXX, have an existing Billing Dispute that has been recorded. I need this account to cease from reporting until this is resolved. 
The account number is # XXXX in the database of XXXX XXXX Bank.
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. Account XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX 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 . 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 604 A Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX.
Product: Money transfer, virtual currency, or money service

I have an account with PayPal. I own bitcoin held in my account. I want to transfer my bitcoin out of PayPal to another account and Im not able to. I first tried in XXXX and the multiple attempts due to glitches with their app was finally successful transferring some of it on XX/XX/XXXX. They only allow a maximum of {$10000.00} per transfer, so I still have quite a bit left with them. I have not been successful in transferring anymore out since XX/XX/XXXX because their website/app keeps crashing saying there is an error and try again. After multiple phone calls to customer service who tell me I am the one locking my account due to too many attempts Its being flagged as fraud. So I wait their requested 48 hours and it still doesnt work. They tell me the system resets on Fridays, so I have tried after that and still doesnt work. Finally a manager admitted that they have technical problems on their end that engineering is trying to solve. In the meantime, they are holding my bitcoin XXXX  as I do not have access to it. I want to transfer it out of PayPal before XX/XX/XXXX and dont see that that is possible.
Product: Mortgage

I am trying to sell the two properties encumbered by this mortgage in order to get the mortgage debt paid off. There is a buyer and signed offer on one of the lots and the inspection has been completed. In order for the sale to proceed, it is necessary for Bank of America to allow a partial lien release such that we can guarantee a clean sale of the first lot to the buyer. Bank of America is refusing to do so. Allowing the sale of this first lot would result in Bank of America receiving more than half of what is due on the loan and they will still hold the lien on the second lot which is a buildable waterfront lot. Bank of America is not acting in good faith by refusing the partial lien release and by preventing the sale from going through. They are also jeopardizing my ability to procure a buyer for the property. 

This is not a duplicate of a previous complaint. This is a new complaint concerning Bank of America hindering the sale of the property to a third party.
Product: Checking or savings account

I have banked with Navy Federal since 2017 and I have been charged numerous unnecessary overdraft fees
Product: Debt collection

Credence purchased an old account and is trying to collect funds from an account that was closed in XXXX or XXXX. XXXX called me a year after I closed my account and I disputed the amount with them then and haven't heard anything about it since then. XXXX was purchased by XXXX XXXX XXXX in XXXX. Credence is trying to collect on an account that is over 8 years old. They put it on my credit report as a new account and as owing since XX/XX/XXXX. This is false information that has caused my credit score to decrease. I am also in the middle of applying for a condo and if this causes me to lose this property I will be suing.
Product: Debt collection

GURSTEL LAW FIRM, XXXX XXXX XXXX are committing identity theft and fraud. Without any authority, are trying to sue and collect on a debt they have absolutely no contract on. They are using deception to pursue their attempts. I do not consent or wish to contract with them. I requested proof of claim via the CFPB Portal and they equivocated my request. I have never received any notice of transfer from XXXX XXXX XXXX  nor did I agree to XXXX XXXX XXXX selling any of my information. This is therefore fraud and Gurstel Law Firm knows they are committing fraud. They have not produced XXXX document to validate their claim. The address they have used belongs to my private XXXX. There is no contract to the XXXX address or any business that would permit them to contact anyone at that address. 

This is notice to the CFPB, the FTC, the Attorney General and all other agencies who govern matters of the kind.
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 within 24 hours station 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 admirative 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 provided consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX student loans appear twice on my Credit Report
Product: Credit card

Capital one sent me an approved offer and opened the card but i did not like the car because of the credit limit. I tried to cancel it but their rep told me its a good card to have as it is related XXXX and u will get discounts. I hardly used it. One time i did not get their bill so i called them i found out i was one day late. i was upset as i m never late in payments. so i made the payment and told the rep to close it. what i found was for that one day late payment they reported my account as delinquent.. and since then i m regularly being denied credit. so i looked at my credit report and it was all clean except capital one all paid and closed but one day late. i talked to XXXX and they say it will remain in my file for 7 years. this is radiculous and destrou ying my credit rating and i m not able to get any loan despit a good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Of XXXX XXXX Syncb/Cc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revenue Servi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during these times. This is not only effecting myself but my family as well. 


RE : Last 4 SSN XXXX To whom it may concern, 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. Equifax has violated my rights.

15 U.S.C. 1681 SECTION 602 A states 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. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-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 information is inaccurate. 


ACCOUNTS : XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX
Product: Student loan

I have had a number of problems with my private loan from Key Bank. They principally deal with the difficulty in getting a forbearance for what I believe to be legitimate reasons. First, when I called them asking about a forbearance they said that my loan did not qualify for a forbearance. But when I looked at my promissory note it said that a forbearance is possible, but at the bank 's option. I believe there is distinction between not being qualified for a forbearance and them looking at my case and rejecting it. When I asked ( after several calls to their customer support ) if there are any options besides a forbearance they said that they have a suspension of payment program that I would have to apply for and then the " work-out team '' would decide if I was eligible. I asked for a six month suspension of payment ( but I was willing to shorten the duration ) because I had to take a leave of from work ( from a company that I co-own ) in order to go home and take care of my dad who was recently XXXX. After talking to numerous customer service reps and managers, I was finally told by a manager that they did not consider me taking care of my XXXX father as an emergency situation that qualified for any assistance at all. 

Additionally, when I recently finished XXXX in XXXX I started making payments on my loan in XXXX - which seems like an incredibly short grace period. Further, when I called their customer service to see if I could postpone or lower my monthly payment so I could have time to get a job ( all I would need is three months ) in order to even consider a decrease in monthly payments much less postponing them, they said that I needed a job offer with an exact start date. I found this odd because I was looking work and could start immediately, so if I had a job in hand, why would I ask for a postponement because I was looking for a job? 

In general I found the customer service incredibly rude and insensitive. One representative even asked me if I really had to be there with my dad when he was XXXX of XXXX. I have other student loans ( although this is the only private loan ) and they all have been incredibly helpful and easy to deal with. I believe that Key Bank represents among the worst in the student loan business.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX  Account number # XXXX Delete this account. 
XXXX12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I have filed a complaint with the FTC and filed a police report for the unknown collection account XXXX XXXX XXXX  # XXXX and the unauthorized inquiries. It has been almost 4 months and the unknown collection account and the unauthorized inquiries remain at large on my credit. I am requesting the CFPB help to facilitate the matter. The bureaus have ignored me. I have also spoke with a XXXX XXXX Attorney. He told me to follow up with his firm after the results from this complaint.
Product: Debt collection

This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired. 

They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep. 

This debt has been passed through XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore. 

We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.
Product: Credit card or prepaid card

After paying my account in full according to comenity 's web payment. 
I was charged late fees. They will not stop applying fees and charges after I pay the balance in full. And they've reported late to my credit company for XXXX even though i paid my bill in full. 
XX/XX/2021 LATE FEE CREDIT- {$22.00} XX/XX/2021 XXXX XXXX XXXX- {$2.00} XX/XX/2021 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX XXXX {$0.00} XX/XX/2021 PAYMENT - THANK YOU - {$48.00} XX/XX/2021 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX  XXXX {$0.00} XX/XX/2021 LATE FEE {$22.00} XXXXMINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX  XXXX {$0.00} XX/XX/2021 LATE FEE {$10.00} XX/XX/2021 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX XXXX {$0.00} XX/XX/2021 LATE FEE {$4.00} XX/XX/2021 XXXX XXXX  {$3.00} XX/XX/2021 XXXX XXXX {$0.00} XX/XX/2021 XXXX XXXX XXXX {$0.00} XX/XX/2021 PAYMENT - THANK YOU - {$250.00} XX/XX/2021 XXXX XXXX {$4.00} XX/XX/2021 XXXX XXXX {$0.00} XX/XX/2021 XXXX XXXX XXXX {$4.00} XX/XX/2021 LATE FEE {$29.00} XX/XX/2021 XXXX XXXX  XXXX {$4.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX {$200.00}