23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On the date of XX/XX/year> a company by the name of Credit Management Company. Posted a debt collection to my credit account with the balance of {$930.00}. The account was apparently opened on XX/XX/year>. When I called the Credit Management Company, who placed the debt on my account to get more information, they could not provide me with any details as of where the debt came from and who it came from. I proceeded to check reviews on the company and they are fraudulent. Now I need this random debt on my account disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention XXXX  and if possible Experian and XXXX  Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$520.00} Account Name : XXXX  XXXX  Account Number : XXXX {$670.00} Account Name : XXXX XXXX Account Number XXXX XXXX {$10000.00} Account Name : XXXX Account Number : XXXX {$17000.00} and 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: Mortgage

Despite providing evidence of flood insurance coverage, responses to prior mailings requesting such evidence, a myriad of phone calls to their horrible customer service line, and my condo association providing evidence on ongoing coverage, Ocwen continues to threaten to place lender purchased coverage for almost $ XXXX. 

As a consumer who pays perfectly and always responds to any inquiry, how do I protect myself against these unwarranted and fraudulent threats?
Product: Debt collection

Jefferson capital systems is reporting a debt as new for an account that hasn't been open in 7 years. They have also had ownership of this account for years and previously removed it because they could not validate the debt. They now put it back on my report as a brand new debt collection. It is also for 6 times the original amount. Attempting a complaint here before I pay the lawyer I consulted with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late. XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$18000.00}.
Product: Checking or savings account

Access to my accounts via Chase Online banking requires a 2-step verification process. After logging in with my password, the next verification step consists of receiving a code ( via text message or automated phone call to the phone number registered under my accounts ). I live XXXX and my phone number is not a XXXX number. Chase seems to have changed its policies, which now mean that they do not longer contact XXXX numbers. Due to this I get stuck in the XXXX verification step and as a result, I am locked out from my own accounts. To add to the problem, Chase customer service will not help me find a solution to the problem before they can authenticate my identity, by providing a XXXX social security number, which I do not have. I have always being based XXXX. My checking account at Chase was opened by the XXXX company I used to work for more than XXXX  years ago. I have called Chase customer service many times, repeating my query to countless people I have been put through and the only solution they give me is to visit a Chase branch in person, which I can not do since I live in XXXX. I have logged a complaint with Chase and was promised a call back to help me with my case but, after weeks of trying, that has not happened. I hope the CFPB can help get through Chase negligence and complete disregard for customer rights. Thanks
Product: Debt collection

Navy Federal Credit Union has falsely reported a payment made in XX/XX/XXXX and in XX/XX/XXXX in an effort to renew the account status. This is a gross violation of federal law. This gross violation also occurred by reporting an alleged payment on XX/XX/XXXX. No such payments were made as evident by NFCU reporting those payments amounts as {$0.00} for those dates. As NFCU is intentionally violating federal law in order to renew the account status by fraud, I demand the account be removed permanently from my credit report, and cease and desist all collection efforts due to their intentional fraudulent statements and reporting in violation of FDCPRA & FCRA. If NFCU wants to continue to claim a payment was made on the account, I demand they provide proof of the payment, including an original receipt showing the date, the amount, the branch and teller who allegedly received such payment.
Product: Checking or savings account

Optum Financial XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I enrolled in XXXX XXXX XXXX XXXX Account for XXXX. XXXX established a medical savings account in my name and deposited {$3000.00} in my Optum Financial savings account. XXXX agreed to pay a {$2.00} monthly maintenance fee on the account. In XX/XX/XXXX, I was notified that XXXX would no longer honor the agreement and disenrolled me. I was notified by XXXX that I was responsible for the maintenance fee on the savings account beginning in XXXX. `I was not a party to the agreement between XXXX and Optum therefore I am not obligated to pay the maintenance fee. The money in the account is to be used for medical expenses and maintenance fee on the account is not a medical expense. I am prohibited from withdrawing the funds in the account according to XXXX. Under contract law, XXXX should be required to continue paying the maintenance fee that they agreed to as opposed to a consumer who had no knowledge of the fee, and did not agree to the fee in the event that XXXX decided to stop offering the plan.
Product: Credit card

I recently opened a new XXXX XXXX credit card with Citibank.This was a promotion offered by Citi/XXXX XXXX in their online reservation payment area. I was able to charge a flight immediately on the card, as they gave me temporary information on the telephone when I signed up. 
Yesterday, XXXX XXXX, 2016, I received the card and immediately logged into their online system ( which I was unable to do with the temporary information they provided at signup ). The Citibank website informed me that my statement had closed on XXXX XXXX and the amount was due on XXXX XXXX. I had not received a statement in the mail ( it arrived today- XXXX XXXX ) and it is not yet available on the website. 
It is my understanding that a customer is entitled to 21 days to review their statement, but I was not provided this. ( 21 days from today is XXXX XXXX. ). I contacted Citi by chat and message, but they refuse to allow me the full 21 days and simply reply with their scripts. I believe that their failure to provide me with the full 21 day grace period should result in them moving the charges to the next statement and resulting due date.
Product: Debt collection

On XX/XX/XXXX, I submitted a complaint to CFPB - XXXX - regarding a debt that National Credit Systems has been trying to recover for over a year. I submitted all my documentation of proof of payment and on XX/XX/XXXX NCS responded to my complaint with the following : " XXXX XXXX never sent us the documentation you included with this dispute. Given the documents you have provided, we will cease our collection activity and close this account. '' A week later, today, I receive a phone call from NCS, once again trying to collect the already paid debt, which was supposed to be an already " closed account. '' Attempt to collect was made today, XX/XX/XXXX at XXXX XXXX made by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my Social Security number my name and my address trying to open a bank account at Bank of America. I do not use Bank of America Ive been using the same bank since I was XXXX  I want this to stop I want the person using my identity to be found and jailed.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES AND NAMES AS I HAVE NO KNOWLEDGE OF THEM ACCORDING TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. 1. US DEPT ED XX/XX/XXXX, 2. US DEPT ED XX/XX/XXXX, 3. US DEPT ED XX/XX/XXXX, 4. US DEPT ED XX/XX/XXXX, 5. US DEPT ED XX/XX/XXXX, XXXX. XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family.

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

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 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on! 
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XXXX  AD ASTRA RECOVERY SERVICES  XXXX XXXX XXXX has violated my rights. 


This collection agency has no respect for the laws. Someone needs to hold them accountable for this.
Product: Mortgage

I have been trying to ask for transition assistance to avoid foreclosure from a divorce. I am on title and my ex spouse is the borrower. From my divorce decree. With my realtor I have sent over all required documents to postpone the sale date of XX/XX/2024. I am also going through a service transfer to XXXX. Because of the current sale date and the fact I am going through a service transfer I do not know the exact close of escrow. If I have to use an attorney to stop the sale date I will but I am trying very hard to avoid that. Based on mortgage banking guidelines SPS has all required documents need. Please check the XXXX. My property is PENDING. Again I am in an active escrow. I have been trying for a month to request the sale date be pushed back after being denied a loan modification. I am in a current service transfer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly Investigate my disputes regrading inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 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 CFPB take action to ensure TransUnion complies with the necessary proof of investigation. Accounts are listed below. 

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: Credit reporting or other personal consumer reports

Over a year now I have not been able to get Equifax to resolve the issue of why no creditor can have access to my credit report. There have been over 10 calls placed and I have yet been able to get them to resolve the issue. Each time I talked with them they verify there is no active credit freeze it lock on my account. I even have file several disputes via online and directly with a csr. I have each time provided the requested identity verifying documents that they have requested including my driver 's license, social security card, and proof of address. Yet as of today that problem along with erroneous personal information such as my name, unknown addresses, and a XXXX account remain unchanged. I am a previous victim of identity theft who had to go through XXXX to recover my financial reputation. But now I can't aquire any credit to purchase a car or even cell phone because no creditor can access my report. This is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021, I received notice that Mr. Cooper had purchased my mortgage loan from my previous lender XXXX. 

The notice indicated I was already in arrears. I had made my mortgage payment to XXXX in XX/XX/2021. 

My XXXX  account was in surplus of 2 months in advance, plus the XXXX payment. 

I contacted Mr. Cooper immediately to contest the alleged late payments. I was told that any pending payments would be credited within 30 to 90 days. 

I continued to make monthly payments. 
Multiple phone calls and emails and complaints were made to Mr. Cooper without response. 

I provided them with the information from XXXX, including the delivery number for the overpayments. 

No response. Over the course of 9 months, multiple complaints were made with no response. 

In XXXX XXXX and XX/XX/2021 Mr. Cooper placed derogatory statements on my pristine credit report. 

I have sought resolution without response, in XXXX, I contacted Mr. Cooper again, and after a lengthy wait a customer service representative advised me correspondence had been sent to the wrong email account. 

Additionally, she reported the Mr. Cooper mailbox, ( which they created and was used for all communications ) was not used by Mr. Cooper for communications. They placed important correspondence in an obscure place on their website, under a tab called Miscellaneous. 

In the interim, no effort has been made to respond or amend the deficiencies reported on my credit reports, and the account has not been credited with the overpayments. 

This are blatant and negligent attempts at fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 XXXX XXXX XXXX XXXX XXXXt # 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

These accounts must be DELETED. Equifax has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. Equifax is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

1 ) .XXXX XXXX  XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted XXXX ) .XXXX XXXX XXXX XXXX Account XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These two accounts listed above Must be DELETED. Equifax is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to Equifax showing that these two companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. Equifax must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.
Product: Debt collection

Company called over and over saying they were collecting debt that was not related to me or my name. I asked them to stop, to remove me from their list, but they keep calling. They say the debt occurred after I have already had this number, so it is fraud or illicit attempts to collect fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting that I am an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union has names thats not me on reports also open account from XXXX XXXX  date open shows XX/XX/XXXX is incorrect XXXX  has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX  OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX XXXX one is XXXX XXXX XXXX open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of a
n accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit
plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.