23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent two debt validation letters to First Federal Credit Control. The first validation letter was sent on XX/XX/. The company First Federal Credit Control respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/ which was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.
Product: Debt collection

On XX/XX/year> I sent a letter asking for debt verification/validation that Merchant XXXX  was trying to collect. They stated they were collecting a debt from XXXX XXXX. 

I wrote back on XX/XX/year> stating I disputed the debt and wanted an itemized bill of all charges from the original creditor, Original copy of my invoice from XXXX XXXX with my wet signature and receipt. I also requested the document with my signature that stated they could have my XXXX XXXX which is a violation of HIPAA. 

I wanted the itemized bill because XXXX XXXX had never sent me one before selling my debt to merchant XXXX  Merchant XXXX called me repeatedly, multiple times a day even asking them to stop calling me. They threatened to sue me as well.
Product: Debt collection

Bridgecrest acceptance Corporation has damaged my credit by accusing me of being 30 days past due. The alleged account they continue to report to my consumer reports is under dispute! It is unlawful and a violation of 15 USC 1692e ( 8 ) to report false and inaccurate credit information to my consumer report. It is also a fact that an unrebutted affidavit of facts stands as true in commerce. I have proof that they received a notarized copy of the affidavit of facts on XX/XX/2023 and they have not rebutted the affidavit of facts or produce a remedy for their wrong doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.
Product: Payday loan, title loan, or personal loan

I received a loan in 2018 from Dixie finance in XXXX, Ok. The manager for Dixie finance I believe her name is XXXX. She harasses and threatens her customers. She has harassed me at my workplace and when I spoke with her she raised her voice and began to speak to me like a dog. Very degrading and disrespectful. She has chased people down in the grocery store or XXXX after working hours. She has sent them threatening messages on XXXX. She is very unprofessional and rude. She says she is out " collecting '' but I have seen her out shopping or at home. I've tried to pay her a lesser amount than what I owe & she refuses to take it and demands the full payment being very hateful & rude. I will not go back in there and pay my loan until she no longer works there. I refuse to continue being belittled by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires from XXXX and XXXX XXXX from XX/XX/2017. 
I have XXXX XXXX services as my cable company for the past two years. 
Don't understand why these companies would pull my credit without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conn 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until Conn 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore.

I 've also disputed this account, after the account was settled Conn 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called Conn 's more than 4 times a week for the last 6 weeks with no resolution.
Product: Consumer Loan

The branch manager refused to answer my questions regarding harassing phone calls when my account is on a direct draft each month. When I asked for the anime of the representative who called multiple times, the manager refused to provide me the name and hung up on me three times when I attempted called back to speak to him. 

When I went to the branch and advised him that I thought it was inappropriate for him to hang up on me, he advised em he did not hang up on me but was done speaking with me. I asked further question about my account and when I advised him I would contact the consumer Financial Protection Bureau, he said I was threatening him and said he would call the police if I did not leave.
Product: Debt collection

XXXX XXXX started calling back in XXXX telling me I owed a debt for a Cashtyme debt that I took back in XX/XX/XXXX if not earlier. They told me I was going to have to go to court and deal with it there. Then on XX/XX/XXXX I received another call from them and a woman got on the phone and told me she is going to execute a warrant for my arrest if I didnt pay something today. I told them I had {$500.00} and thats all I had. She then told me if I pay {$500.00} that I would have to make 2 additional payments of {$770.00} in order to resolve this deal and not have a warrant executed for my arrest. I made the payment in {$500.00}. I then called the FTC and was told they was under review and they are known for scamming and it was her advice that I call and try to get my money back and report it and if they do send a judgement against me I would then have to go to court and I can fight it there or pay the debt then.
Product: Checking or savings account

I had issues back in XX/XX/2015I asked my bank to close my account on my choice becouse there were errors and I couldnt deal with it so I asked to close the account. Now am denied to open an bank account in every bank I go to I keep getting letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Equifax have failed to accurately report the following information after disputing. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$1400.00} ( This account is reporting as closed, this account is NOT closed ) XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$300.00} ( This account is reporting as closed, this account is NOT closed ) These accounts are active/open. 
Due to these errors I have been unable to obtain certain account. I requesting these accounts be updated immediately.
Product: Credit reporting or other personal consumer reports

I've asked for verification and validation of these accounts ... .I 've spoken with a rep at the courthouse and the courthouse and the courthouse doesnt share information with the credit agencies therefore the reported BANKRUPTCY XXXX XX/XX/XXXX needs to be removed IMMEDIATELY. This is my third and final request for this removal. Failure to remove this account is a FCRA VIOLATION WILLFUL NON COMPLIANCE and I shall be seeking compensation per violation. XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX is in violation of STATUE OF LIMITATIONS FOR REPORTING THESE ACCOUNTS, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX  said they verified this account and failed to provide details and contact information for this alleged verification I'm also requesting a copy of my written consent to report any of these items on MY CONSUMER REPORT
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX 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 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 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

XXXX accounts that show up as OPEN on credit reports. Incorect information
Product: Credit reporting or other personal consumer reports

The following addresses are incorrect and must be removed to accurately reflect my current address. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment, Fields XXXX - Address, XXXX XXXX ). Inaccurate address information can lead to issues of misidentification and XXXX affect my creditworthiness.
Product: Checking or savings account

From XX/XX/2023, I started seeing transactions that I didn't recognize. The same day I called Chime customer service to open a dispute then they failed to do so. They also failed to secure my account so that the person would not be able to access it again. They kept letting the person access my funds over and over again and again. The first dispute I opened was closed in less than 24H which means my un-legit transaction worth {$3300.00} did not matter to them. I reopened another dispute which also got closed in less than 2H. I want them to do the work as an investigation enough to track down my money. The last supervisor I spoke to recently told me that she was going to send me a link to upload my documentation to support my dispute yet they already closed my second dispute without allowing me the chance to provide documentation nor did they provide any explanation about what they investigated and findings.
Product: Credit card or prepaid card

Good Morning, Pursuant to 15 U.S. Code 1691 ( a ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. 
On XXXX XX/XX/2022 I was sent an Adverse Action letter and denied for an AMEX XXXX CARD, this is unlawful and illegal. I demand immediate approval of my application for the American express platinum card.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer.

WFBNA 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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 Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
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 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. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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 consumers with the necessary proof of investigation. This is the account I have marked as inaccurate ( XXXX XXXX Credit Card )
Product: Debt collection

12 calls in 5 days as noted in screen shot. All within work hours.
Product: Credit reporting or other personal consumer reports

What Happened? 

The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit card or prepaid card

Around  XXXX     2015, Discover had a  promotion : open  a new Discover card acc ount and get 20 % cash back for all  XXXX  spendings through the end of  XXXX   2015. Total cas h back limit is {$2000.00}.   In response to the promotion, I opened this account in  XXXX  and spent over {$10000.00} on the card through  XXXX . Howeve r, Discover  only credited my account for a total cash back of {$520.00}.   Subsequent multiple phone calls to Discover customer service only resulted in promise of someone will call you back and take care of it. But no additional cash back posted to my account and no phone calls either.
Product: Payday loan, title loan, or personal loan

It says that PNC change their accounts, so we cant connect with these Companies that help people get through to Payday. I know it for our safety but if we can make it without these Companies. I feel if I want connect my bank account then I should be able to connect my account. 

Thank you
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

home that was over priced in the market than what it originally cost. We were sold a home from the seller for XXXX XXXX and the mortgage company put us in a {$90000.00} loan in XXXX for a home on XXXX XXXX XXXX XXXX, XXXX XXXX. The purchase price was not equivalent to the house valued price which was XXXX or little under at that time.The mortgage lender company charged us XXXX the seller asked for just XXXX. We want answers! The value of that home in XXXX was below the price of the mortgage that the lender stuck us with. We went with it very blinded just because we we not educated. We were originally purchased the house as a lease to own until we could find a mortgage lender to pay the seller. The seller charged us XXXX for the home wellsfargo put us in a XXXX loan with XXXX mortgages! We want answers We want the house original appraisal documents that was issued during that time from the mortgage lender company
Product: Bank account or service

I opened a Citi Gold Checking account, with Citi 's promotional code XXXX. This promotional code promised receipt of XXXX XXXX XXXX XXXX as a bonus after fulfilling stated requirements. 

I live in Texas where there are no physical Citi Bank Offices, so I had to apply by phone. The Citi agent assured me that I indeed qualified for this offer and that the offer code was attached to my new account. 

As part of this offer, I had to use the Citi debit card to make purchases of more than {$1000.00}, and I had to perform at least XXXX bill pays, all within the first two months of account opening. 

To avoid any monthly checking account fees, I deposited {$51000.00} into the account by check via regular mail. This finally was accomplished after XXXX attempts and multiple phone calls with Citi and during each call I was assured that I qualified and that I would receive the XXXX. The first attempt to open the account took place the middle of XXXX 2016. Due to a fraud alert attached to my credit reports ( due to a previous identity theft ), Citi did not accept the check since they were unable to contact me ( I was out of town when they called to verify identity ). Subsequently they sent the check back to me. 

After contacting Citi again, I was told to resubmit everything including the offer code and the {$50000.00} to avoid monthly fees. So on XXXX XXXX, 2016 I attempted the account application for a second time, again on a recorded phone line. I finally succeeded in depositing this large amount of money into the account. During XXXX application attempts, which involved several phone calls, the Citi agents assured me during each and every communication that I indeed qualified for this offer. 

I did all the required steps ( spend {$1000.00} with debit card, perform XXXX bill pays within the first 2 months ), but now Citi is telling me, that I do not qualify for this offer. This after having been told during XXXX applications that I did in fact sign up the correct way, that I completed the required steps and that I would receive the XXXX within 90 days. 

I have talked to Citi about this several times and I am very frustrated. I have to conclude that this is either a scam or false advertisement on Citi 's part.
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 Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 a 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 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

This evening, I was shocked to see incorrect accounts on my credit report, with no explanation for their appearance. I routinely monitor my report, but this time I was met with surprising errors. I even tried refreshing the browser, hoping it was just a glitch, but the incorrect accounts stayed put. Im asking for a careful review of the documents Ive sent, so I can avoid this kind of XXXX  in the future.
Product: Credit card or prepaid card

in XX/XX/2018 Discover called to set up a payment arrangement for Discover card they told her that the charges were right at {$2500.00}. After doing some investigation we discovered that that was not the charges that I have made. My total charged on the account were less thaN {$700.00}. I submitted bank statements, police report, statements from the bank of the fraudulent account stressing to the fact that I did not have, nor had I ever, had an account with that bank, however the fraud department of discover card services section of chose to hold me liable for the charges on the account saying that since they had previously received payments from my XXXX account that the other account had to be mine also. They did not, per their representative, did not investigate the fraudulent bank account, they did not contact the merchant where the fraudulent charges were made, they did not except the police report and they did not remove the fraudulent charges. Discover did not do anything to resolve this issue, or too verify any of the evidence submitted.