23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of specific items on my credit report, as detailed in my attached dispute letter and notarized affidavit. As a verified victim of the XXXX XXXX XXXX, my personally identifiable information ( PII ) was compromised, leading to unauthorized accounts and inquiries on my credit file. Notably, the account " XXXX XXXX XXXXXXXX ( Account Number : XXXX ) '' resulted from this breach. Reporting this account without my explicit consent violates the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Additionally, I am concerned about Experian 's dispute-handling practices, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian on XX/XX/2025. The CFPB alleges that Experian conducts inadequate investigations into consumer disputes, fails to convey all relevant dispute information to furnishers, relies on furnishers ' responses without proper review, and reinserts inaccurate information into consumer reports.
Product: Mortgage

I submitted a payment for {$2600.00} on a invoice amount of {$2500.00} on the XXXX of XX/XX/XXXX. The payment is due on XX/XX/XXXX and the loan servicer shows the payment in their system on XX/XX/XXXX. 
I began receiving calls from the Collection department on XX/XX/XXXX stating that i did not make a payment. The company then was able to see my payment and stated it was being returned, but was unable to tell me why. 
At this time I have been instructed that the payment is being refunded to me. The company is unable to tell me why. 
I have also been charged a late fee. 
At this time it is unclear where my payment is or how to rectify the issue. I am hesitant to send them more money as my bank shows they took the payment and have yet to return it.
Product: Debt collection

I am frustrated by the ongoing merging of my credit file with someone sharing a similar name. Despite assurances from banks, the erroneous accounts remain on my report. 
Accounts to be removed : 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: Money transfer, virtual currency, or money service

I am permanently banned from using PayPal and I am extremely dissatisfied with this decision. I have been a loyal customer for several years and have never had any issues with my account. I believe this ban is unjustified and I request a thorough investigation into the matter. Furthermore, I demand that my account be reinstated immediately, as this ban is causing significant financial harm to me and my business. I look forward to a swift resolution to this matter. My Paypal Email Address : XXXX XXXX
Product: Checking or savings account

I Bank with NETSPEND. On XX/XX/XXXX at XXXX a charge was made on my account for {$0.00} to XXXX XXXX XXXX  XXXX Florida XXXX Then at XXXX XXXX. {$160.00} was transferred from my savings account to my checking account. At XXXXXXXX XXXX. {$580.00} was transferred from my checking account to another account with the name XXXX XXXX. On XX/XX/XXXX I attempted to use my card at XXXX XXXX XXXX at approximately XXXX in the XXXX My card declined twice I think called NetSpend to find that my PIN number would not work. And that my account have been completely drained!! I also had no access to my online account either. I was locked out. When I got a hold of customer service they put it through as a dispute instead of a fraudulent claim as I made my way to the police station in XXXX North Carolina to make a report. This person also changed the address on my account to a Michigan address where I do not live and have no ties to. My address is a XXXX address. 
NetSpend also claims to record phone conversations. I requested that they listened to the phone conversations and determine the difference in voices between mine and who made the transfer through customer service. I have never made a transfer through customer service only through my online account using the flashpay ID number transferring money to my fiance 's account which also has my name as a secondary. NetSpend did not red flag this transaction. As this person changed my PIN number my address and transferred money after an odd transaction coming out of Florida for {$0.00}??!! I have also made a request that NetSpend release any and all information to the police for their investigation and they have not done so. They then come to a determination that this was a legit transfer. And refuse to return my money to my account!
Product: Debt collection

The Easternaccos debt collector responded to the CFPB complaint. Complaint number # XXXX states that they place all phone calls during the allowed hours the CFPB gives. Pursuant 1692b ( 2 ) states that you are not allowed to speak directly or indirectly with a consumer without their consent. Also, it is an infringement on a consumers right to privacy. When you call and I Answer, you ask to speak with the consumer. According to 1692b ( 2 ), youre not allowed to speak directly or indirectly with a consumer. To go deep into the context of what you said about calling is permitted. According to 15 USC 1692a ( 2 ), communication means conveying information regarding a debt directly or indirectly to any person in any medium. As per the literal interpretation, any medium includes any oral, written, electronic, or other medium. Therefore, furnishing the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per the fair debt collection practices act ( FDCPA ) Easternaccos Debt collector stated that there was no violation when the calls were placed. Pursuant to 15 USC 1692a ( 2 ) clearly states that you have violated my rights. I will attach a copy of the FCRA STATES YOU FAILED TO SEND me the validation I requested along with the cease and desist letter I mailed to you using USPS for the alleged debt that is furnished on my credit report. How do I know you received all the documents that were sent to you because you responded to the CFPB complaint and stated that you received the letter on XX/XX/2023. I submitted a validation letter along with a cease and desist letter on XX/XX/2023 and Easternaccos debt collector failed to acknowledge or submitted what the validation requested. That is a violation of my right under ( FDCPA ). I am asking for these invalidated debts and unverified debts to be removed from my consumer credit report immediately and effectively. Down below you will find a copy of all documents
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for their unauthorized reporting of a charge off on my credit profiles. This erroneous reporting has had severe repercussions on my financial standing and has caused considerable distress. 

Per the Fair Credit Reporting Act ( FCRA ), it is imperative that companies report accurate information to credit bureaus. Despite my repeated attempts to rectify this issue with XXXX XXXX XXXX XXXX, they have failed to amend the misinformation on my credit profiles. 

I have provided XXXX XXXX XXXX XXXX with substantial evidence refuting the existence of any outstanding balance. I have not received any Form 1099-C reflecting the alleged charge off, nor have I received any concrete evidence from XXXX XXXX XXXX XXXX or the original creditor demonstrating the validity of the purported debt. Furthermore, XXXX XXXX XXXX XXXX never provided any documentation bearing my signature acknowledging the debt as mine or confirming my agreement to pay such a balance. 

Moreover, I wish to emphasize that this unauthorized reporting of a charge off violates IRS law. According to IRS regulations, debt sold to third parties is now considered certificates of indebtedness, constituting income that can not be reported. Therefore, the reporting of this charge off, which does not meet the criteria stipulated by the IRS, not only misrepresents my financial status but also contravenes federal law. 

I respectfully request that the Consumer Financial Protection Bureau promptly investigate this matter and take appropriate enforcement action against XXXX XXXX XXXX XXXX Additionally, I urge you to ensure that my credit profiles with XXXX XXXX Equifax and any and all other reporting agencies are corrected expeditiously to reflect the complete removal of this item in compliance with the FCRA and IRS regulations. XXXX XXXX XXXX XXXX failure to comply with these legal obligations may result in further action to protect my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on XXXX. The XXXX is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received a copy of my consumer report and I was shocked at the fraudulent activity that was furnished on my profile. XXXX XXXX and XXXX XXXX  both are listed on my consumer report. Each company has XXXX  accounts with debt that does not belong to me. I have filed a FTC report and I have requested an investigation into these matters with the companies and I have not received a response. I have never consented to any contracts with these companies and I have never given anyone permission to use my nonpublic personal information. According to 15 USC 1681i it is required by federal law for you to investigate these items and provide me with anyone information that has first hand knowledge of this alleged debt within a reasonable timeframe or these accounts should be promptly deleted from my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Transunion, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' It is illegal to report a consumers transaction history. I did not consent to my utilization or account balances being reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX CAPITAL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Attn CFO : Attn. Chief Compliance XXXX Account # XXXX To Whom It XXXX Concern : I recently received a copy of my Experian, XXXX and XXXX XXXX report, and I noticed some late payments furnished on my consumer report : List of the accounts with late payments along with their account numbers. 

XXXX OPEN LATE PAYEMENTS XXXX CLOSED ACCOUNT LATE PAYMENTS Late payment status reporting inaccurately Update this non metro XXXX compliant account to paid as agreed because the Date Last Active : XXXX XXXX- XXXX XXXX XXXX XXXX reporting inaccurately and XXXX with all three consumer reporting agencies.
Product: Checking or savings account

There was a large ACH debit hitting my Chase checking account that was going to put my account into a negative balance. So that day I called Chase. The representative said that he could Stop Pay it for a {$30.00} fee. I told him to go ahead. 

The next day I saw that Chase had paid it anyway despite the Stop Pay and I had a negative balance, along with multiple fees for Insufficient Funds. The Chase employee had obviously bungled the Stop Pay. 

Now today I have to cancel my plans because I have no money to spend. Thanks Chase, bunch of XXXX  from XXXX XXXX on down.
Product: Mortgage

To Consumer Financial Protection Bureau : I would greatly appreciate your help if you can assist us in asking Shellpoint Mortgage Servicing and XXXX XXXX XXXX XXXX. ( XXXX ) to delay the recently announced trustee sale of our property and former home of my deceased wife at XXXX XXXX XXXX, XXXX, CA under Shellpoint mortgage loan No. XXXX. The property is currently valued at {>= $1,000,000} to {>= $1,000,000} and the first loan payoff amount to Shellpoint is around $ 1,200,000+ and $ 100,000+for the secondary loan from XXXX XXXX XXXX . The property if properly sold will have enough equity to pay all involved parties including Shellpoint, XXXX, realtors, XXXX XXXX, legal counsel and others. 

Please note that we have been asking Shellpoint since XX/XX/XXXX and recently XXXX to delay or postpone the projected trustee sale in order to properly sell the property in order to pay all financial obligations related to the property since the property has enough equity to payoff all financial obligations including all associated costs for the sale of the property and therefore Shellpoint and XXXX XXXX XXXX ( XXXX ) will be paid off. But just recently, on XX/XX/XXXX, XXXX posted the Notice of Trustee Sale on the door with a sale schedule of XX/XX/XXXX. 

Attached are copies of some of our communications and request to Shellpoint and XXXX to give us proper time to properly sell the property because the newly announced trustee sale date is affecting and hampering prospective buyers. 

Thank you very much for whatever assistance you can provide to convince Shellpoint to postpone the trustee sale scheduled on XX/XX/XXXX. Please note that my deceased wife had a lengthy disagreement with XXXX XXXX XXXX and XXXX years ago because of the institutions loan modification/foreclosure practices which was reported to your office under XXXX Case # XXXX. 

I hope that with your assistance, I will not experience a similar difficulty in asking my request to Shellpoint and XXXX to postpone the trustee sale in order to properly sell the property in order to ensure that everyone will be paid accordingly and all obligations will be settled. 

Thank you very much for your help and attention to my plight as the trustee of a survivor trust. 

XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PULLED MY CREDIT ON XX/XX/XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL XXXX AND CELL XXXX 12 TIMES AFTER CEASE AND DESIST NOTICES.
Product: Credit reporting or other personal consumer reports

I am Filling this complaint regarding an inaccurate items on my credit card report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. American Express, XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated the Fair Credit Reporting Act ( FCRA ) section 1681i. According to the FCRA, consumers have the right to access their credit reports and dispute any inaccurate information that is contained therein. I exercised this right when I submitted a dispute regarding several items on my credit report that I believe to be incorrect. However, instead of conducting a thorough investigation and correcting the errors as required by law, you simply verified the inaccurate information and continued to report it on my credit report. This is a clear violation of FCRA section 1681i, which states that credit reporting agencies must investigate disputed information and remove or correct any inaccuracies within 30 days of receiving notice of the dispute. Your failure to comply with this requirement has caused significant harm to my credit score and overall financial well-being. I am now requesting that you take immediate action to correct the errors on my credit report and ensure that they are not reported in the future. Additionally, I would like to request a copy of my updated credit report once the corrections have been made. I understand that mistakes can happen, but as a credit reporting agency, it is your responsibility to ensure that accurate information is being reported. I hope that you will take this matter seriously and take the necessary steps to correct the errors that have been made. You are reporting something that is not accurate and I have already made you aware of it and you continue to report it, that you are defaming my name
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom it may concern, My name is XXXX XXXX. I am writing this email due to some unpleasant activities following a visit to XXXX XXXX XXXX back on XX/XX/XXXX. I came in that XXXX  morning for a recall repair on my air bag for my XXXX XXXX XXXX  ( Which I am still currently driving ) While I was waiting on my repair, a young man ( sales professional ) XXXX XXXX showed me some of their cars on the lot, asked me why I came in today etc. Then we test drove a XXXX XXXX During this period my vehicle wasn't done yet with the airbag repair. After test driving the XXXX XXXX, XXXX, ran up some numbers and was basically trying to get me to get me to walk out with a new car, payment plan etc. I said no, explained that I had a lot going on and that this would not be a smart decision for me right now and that I would I'm just going to wait till my car is ready and go home. 

After, that I had a few representatives come in and try to convince me or " earn my business '' as they put it. The Manager, supervisor, you name it. Outside of XXXX, I had to have had three to four more men come to the same desk trying to offer different deals to earn my business ; and each time I said no. That XXXX I ended up driving my car the XXXX XXXX XXXX XXXX. I did not purchase a new car, there was no trade in, or any contract or consent given to process or complete anything else. 

Unfortunately, a while later I had received some letters in the mail from two separate lenders informing me that they denied my request for a loan. In fact, the letter stated that the loan requested was for {$26000.00} ( from XXXX XXXX XXXX XXXX ). I was completely shocked that I ended up checking my XXXX and Experian account and I noticed that there were several other hard inquiries dated back form XX/XX/XXXX the same day I went in for my recall repair, which is absurd because I said no to every sales man that came before me and I did not give consent or request any loan for {$26.00}, XXXX from XXXX XXXX, this is when I knew I had to call the credit bureau and take action. This was not activity I approved of nor gave consent to, this is fraudulent activity. 

Now, unfortunately I'm going through the process of mailing letters to the credit bureaus to clean up this mess that I did not even do. I'm also considering getting my attorney involved because this is the most insane and unprofessional thing I've seen, and to be honest my respect for this XXXX location has gone down. This is a very unpleasant circumstance to be dealing with right now. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The Navy Federal Credit union has engaged in a campaign against me of harassment, bullying intimidation and retailation because i filed a complaint against them with the XXXX XXXX XXXX and other consumer reporting agencies including CFPB. They have sent me threatening letters, froze my account so that i would have no acess to my money and delineratly, intentionally, and maliciously harassed and bullied me. More specifically, the Navy Federal Credit Union after i filed a complaint against their fraud department, sent me a letter stating that if i continued my complaint they would freeze my bank account and not let me have acess to my money. Last week while dining out, i couldnt pay because there was no acess to my account. This was after i recieved a letter threartening that they would do the same. I couldnt pay for my dinner! I called Navy Federal Credit Union and was told by no less than 3 phone reps that there was nothing they could do. The restaurant called the cops on me and it was onlt then that my call to the Navy Federal Credit Union that i was finally transferred to a supervisor who gladly opened my card and gave me acess to my account so i wouldnt go to jail. This all stemmed from a representativre in their fraud dept, who saw my complaint with the BBB and decided to retailate against me for my complaint. There were several fraudulent charges on my debit card ( which ironically, NDCU notified me of ) all of the charges were refunded to me but i didnt like the attitude of Navy Federal Credit union fraud representative which led to my complaint. After my complaint All of my disputed charges were reversed. According to the law and letters that Navy Federal Credit Union sent me I was entitled to the documents they had that lead to their decision, Navy Federal Credit Union told me the had no documents and i would still be responsible for the fraudulent charges. I have called Navy Federal Credit Union but was told by the supervisors of the credit unions fraud department that " theres nobody higher than me you can talk to, I had contacted them on social media only to to be told by that department theres nothing we can do. I have been hung up on the telephone by their managers, barraged by countless emessages and letters that they know i cant respond to in order to protect the XXXX behavior that they have treated me with. I am a XXXX  XXXX, i cant see to be typing messafses back and forth over the phone, i have to focus on where im going to sleep and eat at night every day. ALL of the dispited charges are fraudulent and Navy Federal Knows that but chooses to harrass me because i filed a complaint in the first place. THey sent me a letter stating that they would take {$14.00} and XXXX of my money back, but they took XXXX when i called to inquire Navy Federal Credit Union refused to even talk to me and two supervisors from their fraud dept not only hung up on me but refused to take my name and number for a superior to get back to me. This has been going on for over a month!!! Navy Federal Credit Union has engaged in a campaign of harassment, bulling, retaliation and intimidation against me.
Product: Credit reporting or other personal consumer reports

I spoke to XXXX from XXXX XXXX ID number XXXX A payment that was due on XX/XX/XXXX the payment was made on XX/XX/XXXX which wasnt 30 days late. We need the 30 late removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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