23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I originally responded to a text XXXX XXXX XXXX, from Columbia Debt Recover LLC DBA Genesis. He sent me on XXXX at XXXX XXXX  to provide me with a contact number to discuss the debt. He responded to my request via text on XXXX at XXXX XXXX  with the phone number. requested to receive information from him since he texted me. He called my spouse and son who are also on the debt on XXXX and XXXX. I called at XXXX XXXX  on XXXX, spoke to XXXX XXXX, at XXXX XXXX. I asked him to " please '' stop calling my son and stop verbally aggressive. My son also asked XXXX XXXX asked him to speak to me since I handle the finances. He kept being verbally aggressive and my son ended the call. When I requested the same thing about contacting me he began arguing with me and being verbally aggressive. I asked him to " please '' stop and I wanted to speak to his supervisor. He dismissed my request twice and continuing chastising me and being verbal with me. I requested to receive a written notification of the debt, the amount and other supporting mailed to me. I also informed him about the FTC laws about debt collecting. I requested for him to stop contacting me until I received the information I requested. He still verbally being aggressive. I then terminated the call.
Product: Credit reporting or other personal consumer reports

Equifax did not remedy the issue they created on my credit file. They have my name wrong an said they they have check into the issue and asked me to send them documents. This is not an appropriate response. Where is the proof they checked with any creditor as they did not show this actually happened an it took them more than 30 days to do absolutely nothing, but ask me to help them. NO! They created this problem and they should fix it. I would like to see proof that they actually contacted a creditor that they said has my name wrong. They will not be able to do this as there isn't any. They are not telling the truth! None of my creditors or even other credit reporting agencies have ever come across this problem. Equifax must fix this issue once and for all without any help from me as I didn't create this issue, they did! I want this taken care of immediately.
Product: Checking or savings account

I noticed that Chase started charing me monthly service fees. Those fees are supposed to be charged if there is less than $ XXXX in the account. I have always had over $ XXXX in the account- which Chase uses interest free from me. They use MY money to make interest for Chase and then charge me for taking advantage of me. When I called to request the improper XXXXXXXX XXXX XXXX  and XXXX XXXX, XXXX  fees to be removed, Chase blamed me and said there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed that the following inquiries were listed on my personal credit report in which I did not personally request myself. Please Delete or Remove the following Inquiries listed below as they are Unauthorized by myself XXXX XXXX. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordence with the Fair credit reporting act XXXX Account # XXXX, # 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 It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX $
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have expressed difficulty with maintaining payments, but have been told there is nothing that can be done to lower payments. They 've said I am ineligible for any assistance, lowering payments or offering a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my FTC report I have fraudulent information on my Experian report that needs to be removed.
Product: Mortgage

Please be advised that we have a short sale file opened with Wells Fargo Bank. WE have cleared all liens, and our buyer is going to walk if we do not get approval. The seller started the process long ago, and Wells continuous delays will cost them another buyer. WE have filed complaints with the senator, congressman, XXXX XXXX HUD 's contract and need additional assistance. The offer supports the best offer in the current economy. This is an FHA loan that will require mold treatment and a loss to the XXXX government and tax payers if the home is conveyed to HUD with a substantial loss to the XXXX government and tax payers.
Product: Debt collection

This Company, Sunrise Credit Services will call and when i answer will sit there a minute or so and then hang up without uttering a word. This happens multiple times a day, monday thru friday and i have ask them to stop, especially if they aren't going to respond when i answer. I had to call them just to hear their recording so i could find out what company was calling me
Product: Credit card

the account in reference listed on my credit report is not accurate this account does not belong to me I did not open this account however it is showing on my report as an accurate debt I am requesting this account to please be removed
Product: Debt collection

XX/XX/XXXX XXXX credit card with XXXX  XXXX were charged off. XXXX I received a 1099 c. LVNV funding purchase both accounts and are attempting to collect. They refuse to remove the debt from my credit report. Card XXXX {$520.00}, card XXXX XXXX
Product: Debt collection

XXXX Has not investigated account.and is reporting verified without investigating. 
Date XXXX XXXX Amount {$1100.00} Name : XXXX XXXX XXXX
Product: Consumer Loan

My name is XXXX XXXX XXXX I perches a vehicles on XXXX/XXXX/2016 and after one month I perches my vehicle moved to an a there state and I informed my bank immediately to Stat to Stat title transfer but the bank do the trick do anything to solve my concern know I could n't registered my vehicle and the XXXX wo n't prof of insurance or XXXX pend my driver license I did n't know what to do please Ned help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Debt collection

I never have an account with Midland Funding, I tried to contact them several times but they are failed to send me necessary documents to prove my ownership. I already sent dispute letters to credit bureaus via certified mail. But for 60 days I never heard from them.
Product: Credit card or prepaid card

Greetings, I am sending this email due to a practice of a business that is purely unethical and should be addressed by the Federal Trade Commision, in my opinion.My particular experience is as follows : On XXXX, I used my Care Credit/Synchrony Bank credit card to pay for my deceased pet 's final expenses. Since I am a XXXX Veteran, I get paid once a month at the beginning of the month, hence I tend to pay my bills first and foremost. I made a payment on my card on the XXXX day of XXXX, even though it was not due until the XXXX. On my XXXX statement I discovered that I had attained an " overdue payment '' notice and fee of {$28.00} for the XXXX payment, even thoughthe credit card company had withdrawn the full payment from my bank account the day I made it, which was approximately 4 times the minimum amount due. I called to straighten the issue out and was told that I would just have to pay the fee as I was told that I, quote, '' had just made the payment too early ''. I ended up paying the extra fee, even though the company gave me credit for the payment I had already made in XXXX, which makes absolutelyno sense, and appears to me to be a way to chisel money out of honest people trying to pay their bills. If I had been LATE with the payment, I could understand an " over-due payment fee '', but to be flagged and charged by the credit card company as if the payment was late when it was paid early is ridiculous, as well as a hit against my credit score, and an unethical business practice as well.. Whether this type of activity by a company is illegal or not, I do not know, but I do know that business practices of this type are hurting honest consumers on a daily basis and should be regulated. My suggestion would be to require any and all unsecured loan/credit card payments made anytime on or before the due date of the same month to be accepted without exception to the date paid. Facing charges for paying a bill early should not happen.If any further information is required of me, I will be happy to provide it.Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX Account Number # # # # # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas 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 an account without my written instructions
Product: Checking or savings account

A fraudulent set of 3 ach transactions were debited from my account on XXXX The amount was {$28000.00}. The fraud was detected immediately while the transactions were on hold and still processing. 

The ach transactions should be easy to recover because there were to XXXX XXXX, XXXX XXXX, and XXXX 

Bank of America debited these ach transactions refuses to credit these transactions to iur account for 90 days. 

These funds are needed to make payroll this friday for my employees. This Frida is also the date of the company XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX  - Account XXXX XXXX XXXXXXXX - Reporting Balance : {$13000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit card or prepaid card

In XX/XX/XXXX there was fraudulent activity made on my Discover card totaling approximately {$6800.00}. I hadn't used my Discover card for a few months so when I received my billing statement in XX/XX/XXXX I discovered the fraudulent charges I called Discover and the representative told me that Discover would initiate a fraud investigation and they would transfer the funds back into my account pending the conclusion of the investigation at the conclusion of their investigation they transferred my funds out of my XXXX XXXX  account. I asked the representative to place my account on a hold so that no further fraudulent activity would occur. I assumed that the hold would stay in effect until I activated the card some how the card was activated and a additional approximately {$8000.00}. I've been trying to recover since my money since XX/XX/XXXX, Discover refuses to return my funds I've been unable to resolve the fraudulent charges and recover my money. Discover advertises " if you didn't make the charge you don't have to pay '' I feel that I have cooperated with Discover in every way that I can but Discover is unwilling to honor their pledge 'if you don't make the charges you don't have to pay '
Product: Checking or savings account

See previous complaint XXXX Never received a resolution from Bank of America Estate Department XXXX Impossible to speak or receive emails from whomever is handling the case. Any information I have gathered has been through a local branch manager. 
I have only received ( 1 ) check out of ( 5 ) from Bank of America. 

They should be reported to the SEC for withholding funds they are not entitled to.
Product: Credit card

I had a credit [ {$7.00} ] on one of my credit cards for 2 or 3billing cycles. I asked the bank to transfer the overpayment to another card. Instead, they transferred a cash advance of {$7500.00}. I tried to contact the credit card company to correct the error. After not getting a response I went to the XXXX XXXX branch and got connected with someone who said they would correct the error and call me back. No one has called me back and no one responds to my calls. I am at my wits end as to how to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

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

This complaint is in regards to Equifax 's recent security breach. Upon checking XXXX, I was informed that my information may have been " compromised. '' Because of this security breach, my social security number, date of birth, full address, and potentially driver 's license and credit card numbers have been stolen ; I must assume that my information is now public data. I am at immediate risk of becoming a victim of identify theft because of Equifax 's negligence.
Product: Debt collection

I received an original medical bill of {$570.00} from XXXX XXXX ER. AMCOL collections then acquired that debt, but issued a collection to me for {$570.00}. I had already paid the {$570.00}. I have documentation to prove this. I spoke with them on the phone about this and they confirmed that I did pay and that I am right. AMCOL is still reporting this debt on my credit reports, even though it is paid off.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report XX/XX/2025. I noticed some HARD INQUIRIES that did not have PERMISSIBLE PURPOSE. I also attached evidence. 

This list of INQUIRIES has no PERMISSIBLE PURPOSE to be on my credit report. DELETE the listed INQUIRIES due to violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, plus XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX sent an investigation to the credit bureaus to check every piece of information on my account certified mail, I keep copies and track of things. I told them to investigate everything on my credit report and to make sure every is 100 percent accurate. 

Here are my USPS tracking numbers XXXX, XXXX, XXXX XXXX, XXXX XXXX They have not reviewed any supporting documents. 
They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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. 

They continue to ignore the law and inaccurate information nothing has been updated expected stated as verified. This is why I'm filing a complaint. Can you check into this CFPB? I heard if this is not correct i can ask for damages in small claims court. thank you for your time.
Product: Payday loan, title loan, or personal loan

Recieved an email from a law firm called XXXX XXXX XXXX demanding XXXX in fees or to settle for a little over 800.00 by this Friday and stating they are going to contact FBI, etc. That I know I didnt borrow those enormous amounts. Feel harassment. Leave me alone. Stating accounts going to be levied?????? I dont have a job.
Product: Debt collection

I filed a complaint on XXXX XXXX on this site. I asked to have Online Information Services to do a validation check as I do not owe this debt. They replied back and submitted a XXXX page document as a validation check. There is zero proof that I owe this debt. This is totally unacceptable. And to top it off, the debt is passed the statue of limitation. They are not even suppose to try to collect this debt. 

The ridiculous validation that Online Information Services provided is attached on this portal. Edit, I could not attach for some reason, but see Case number : XXXX - Online Information Services has not given any explanation and show me how they calculated what they say I owe. 

- Online Information Services never gave me the original creditor 's statements, contracts, copies of checks, complete payment history. 

- Online Information Services never demonstrated that this debt was not claimed as a loss with any insuring entity. 

- Online Information Services never Indicated if the debt is assigned or purchased. 

etc. 

This leads me to believe that this is fraudulent. Online Information Services is trying collect a debt that is not owed, and is out of the statue of limitation!