23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i checked my credit report this morning XX/XX/2025 and a company has claimed the debt from the XXXX company that wasnt mine or being ran illegally and the cfpb sent it to the ftc regulators
Product: Debt collection

Portfolio Recovery states we owe them XXXX but is not able to provide us with supporting documentation from XXXX XXXX which states that money is owed. Contacted XXXX XXXX XXXX and they were not able to provide us any of our statements. We are not able to access our online records/statements from XXXX as they state the account was sold and they cant furnish us with the amounts owed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted Equifax, XXXX, and XXXX multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 

Also, I am seeking your urgent assistance regarding a serious issue with Equifax. Equifax is reporting an incorrect Social Security number on my credit report and has repeatedly refused to remove it despite my providing the necessary documentation. 

This error is significantly affecting my credit standing and causing undue stress. I have attempted to resolve this matter directly with Equifax multiple times, but they have not taken corrective action. 

I kindly request your help in addressing this issue and ensuring that Equifax updates my credit report to reflect the correct Social Security number. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX, XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SECTION XXXX A : STATES 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. 15 U.S.C 1681c SECTION 604 ( 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

I XXXX am Opting out of Any Permission of per thee XXXX as A Federally Protected Consumer. I am now Opting out Of Any And All Authorization. I the Consumer may have given you Written or Unwritten. Verbal or Unverbal 15 USC 16802. This is Effective Immediately And Indefinitely.. XXXX, Experian, XXXX, has been Violating 15 USC 1681 . Also they have been Violating 15 USC 1681 .Also they have been Violating the Privacy Act Of 1974 .Also they have been Violating 16 CFR 313. Also Violating 16CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, FTC 1522. I have been going through this since XXXX.
Product: Mortgage

I have a mortgage loan with Bank of America. In XX/XX/2020, Bank of America commissioned an appraisal of my home as a condition of granting the mortgage and the value of my home in that appraisal was {$260000.00}. On XX/XX/2020 Bank of America posted 2 payments which reduced my loan balance from {$220000.00} to {$34000.00}. The payments and new balance vs. the XX/XX/2020 appraisal meant that I had approximately 87 % equity in my home. 

Despite that, Bank of America still charged me {$50.00} for PMI on XX/XX/XXXX and another {$50.00} for PMI on XX/XX/XXXX. I complained to them about continuing to charge PMI to me AFTER they were entitled to do so and their response dated XX/XX/2020 simply said " our records show we received a request to remove PMI on XX/XX/2020. The request was reviewed and the PMI was removed effective XX/XX/2020. '' They concluded " we were unable to backdate the PMI cancellation to XX/XX/2020 as the loan did not meet the requirements for cancellation at that time. '' Who cares about XX/XX/XXXX? The loan was paid down on XX/XX/XXXX, but they proceeded to charge PMI on XX/XX/XXXX and again XX/XX/XXXX. They will not address the XXXX specific charges on XX/XX/XXXX and XX/XX/XXXX. Why are those not being refunded? Why do I have to repeatedly keep asking about this and submitting complaints and writing to them on their website? The equity was at 87 % on XX/XX/XXXX. Why did they keep charging me PMI after that?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion, XXXX, and XXXX in violation of Federal Law. Transunion, XXXX, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized COAF Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

This complaint involved Ally Bank. I have recently been under contract to purchase a house and completed closing on Tuesday, XX/XX/XXXX. However, Ally has been grossly incompetent in their handling of my wire request to delivery needed funds for closing including down payment and closing costs. On Monday XX/XX/XXXX at approximately XXXX XXXX  CST I initiated a wire transfer request to Ally bank using their required forms. Around an hour and a half later on the XXXX the wire amount of {$23000.00} was debited from my account. Since then, the wire has failed to proceed in the process for wire transfer request review and approval. I have made at least XXXX attempts to call customer service to receive updates about this wire transfer request and have only been told that it is " in processing '' without any estimated timeline for completion. I have been reassured that it would process and that I could notify the recipient - the loan title company - that the requests were being worked through in the order they were received and that their quoted turnaround time ( processing of requests within a few hours and completion of transfers on the same day being completed if they were processed before XXXX XXXX EST ). On Tuesday, XX/XX/XXXX I was advised that an escalation request had been noted for my wire transfer. Since then, I have still received no contact from the bank to verify my wire and the order still shows as " received ''. Customer service agents only state that the wire is in processing and that they have received a large number of wire requests which have caused delays. They provide no helpful information or guidance. 

Due to Ally 's gross incompetence, I am now in breach of my contract on this house and subject to legal action by the sellers, lender, and other parties. 

Numerous other Ally customers have reported identical concerns in online forums this past week, also with no helpful resolution after multiple attempts to contact customer service and have been provided false reassurance, conflicting information, and outright lies by the company. this includes multiple other individuals who are dealing with Ally 's incompetence as they attempt to buy homes, which are causing customers to violate contracts and either push or cancel closing. 
XXXX XXXX XXXXAllyBankXXXX XXXX XXXX XXXX XXXX XXXX XXXXAllyBankXXXX XXXX XXXX XXXXAllyBankXXXX
Product: Vehicle loan or lease

Here 's the complaint letter I sent the the dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX C/O XXXX XXXX XXXX This past XX/XX/XXXX my wife and I made a deal with your sales team on a new XXXX XXXX XXXX XXXX lease. Part of that deal was taking our XXXX XXXX as a lease return. Another part was putting down more than {$7000.00} to pay off the excess miles. At that time your XXXX dealership across the street inspected the XXXX XXXX XXXX and determined it didn't have any wear and tear above and beyond " normal ''. The deal was the down payment would cover the lease return and excess mileage and anything else involving the new XXXX XXXX lease. Much to the surprise of my wife and I was receiving a bill almost 5 months later ( XX/XX/XXXX ) from GM financial for {$2600.00} for excess miles and other than normal wear and tear. Once your, so I was told, " authorized '' XXXX dealership across the street made the inspection of both the miles and the condition of the XXXX and a contract was written up this should have been a done deal. Instead we now have a bill for almost {$3000.00} and GM threatening to ding our credit if this is not paid. Please investigate this matter further so I know how to proceed with legal, media, government or contacting watchdog groups. FYI ... GM has offered a settlement of {$920.00} but that needs to be done soon. A copy of the bill is attached to this email. Thank you. 

XXXX..this is the supervisor at GM financial I spoke to and her ID number. 
XXXX XXXX She refuses to send me a copy of the itemized bill for excess charges claiming sending it once is all they are legally allowed.
Product: Mortgage

I applied for a loan modification due to financial hardship and was denied. I had to call to get the reasoning for the denial as their so called personal representative that is assigned to me never returns my calls or responds to emails or answers the phone. The rep on the phone stated I was denied because I was not yet two months late only two day s from being such. They offered to apply my behind payments to the next 6 months payments. But If I am not able to make the regular payments, what makes them think I can make this payment. I really wanted the payment lowered and the MI insurance taken off the loan so that I can afford the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX I have been disputing since XXXX with transunion and XXXX   that XXXX  XXXX verified as fraudulent and said they contacted credit to remove. Still has not been taken off my credit by either company
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave XXXX any written consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S. Code 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is trying to collect a debt that they can not validate as mine. They refuse to provide name of the original creditor etc and are reporting the account as open when it is closed meaning inaccurate information to Experian and XXXX. The credit amount owed is incorrect and has not been validated. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX # XXXX, XXXX, XXXX and I'm including it again. 
DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}
Product: Debt collection

In the past I was a customer of XXXX ( XXXX ). I sent all the equipment back on XX/XX/XXXX. I have a XXXX proof of delivery on XX/XX/XXXX at XXXXXXXX XXXX. Tracking # XXXX. I had no contact with them since the equipment was sent back, until now. I got a letter from a collection agency saying I own {$220.00}, as of XX/XX/XXXX. I was never contacted about any past bills, we were all paid up. They have me down with an account # XXXX. That is not my phone # and never was. I have called them several times about this issue and get disconnected, or we don't go back that far. On XX/XX/XXXX I talked to billing XXXX, Talked to XXXX got disconnected, XXXX got disconnected, XXXX got disconnected, than finally talked to XXXX, who told me the equipment was returned with no balance, and was supposed to send me a no balance letter and never did. I'm getting nowhere with this situation. All they give me is the runaround. EOS CCA is the debt collector ( XXXX ).
Product: Credit reporting or other personal consumer reports

I've called XXXX XXXX XXXX XXXX XXXX numerous times on behalf of myself and my husband. We have a credit card with this bank that had a high balance which was paid completely off on XX/XX/XXXX. They've agreed to update my husband 's credit report to reflect the XXXX balance, but they've not updated my credit report to reflect this account has been paid in full. I've spoken to them as recently asXX/XX/XXXX and was assured by an employee named XXXX that she would handle the situation for me. 

I've checked my husband 's credit file this morning and his is stating correct info. My credit report is still showing a high balance owed to this company.
Product: Credit reporting or other personal consumer reports

This is my complaint, 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Credit reporting or other personal consumer reports

This is my second 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed on numerous times to report accounts and account statuses accurately. 

Disputes have been both ignored resulting in a violation of my consumer rights. 


I have disputed these claims for 2 years. From 2022-until now.
Product: Checking or savings account

This is a follow up from case XXXX that was closed. 
Wells Fargo Bank in person meetings with managers indicated my account was closed due to XXXX being imposed on Wells Fargo Bank for a {$300.00} dollar new account. After being a customer at WF for XXXX  years with no issues. 

1. Letter indicates they are closing the account for no specific reason. Letter also indicates they have a right to close the account period. 

XXXX. In person meetings with management at branch connected me to XXXX XXXX over the phone, who indicated, the new account of {$300.00} dollars was closed due to Risks imposed. This is in fact an issue that needs to be addressed. Why did it go to XXXX XXXX to begin with? What took place that brought this decision on to my account? 

XXXX. This poses a defamation of character to me. Implications of something gone wrong. Issues in finance that I should know if it implicates me. It is impeding me from becoming employed. Negative comments in a community where I raised my kids! Can this be an attributing factor of my non employment in the XXXX XXXX? Do you know what this means? Defamation of character is against the law! I need to know what made Wells Fargo send a {$300.00} dollar account to XXXX XXXX. There are laws at the federal level as well as consumer protection laws that protect me. What is Wells Fargo filing against my family name? 

I am looking for reasons why this is the case. The letter that caused you to close the case because the company replied does not mean it was settled. The letter does not indicate XXXX XXXX but the in person communication clearly stated this is the issue. If you can please bring clarity to the decision, I will appreciate it.
Product: Debt collection

I have a mortgage with Bank of America. During Covid-19 Pandemic, I requested and was given a total of 18 months of mortgage payment deferment by the bank ( XX/XX/XXXX thru XX/XX/XXXX ). Once I resumed payments beginning XX/XX/XXXX, I never received any formal written correspondence confirming the 18-month extension of my mortgage maturity date. I have heard conflicting information via email from Bank of America agents, and some of those explanations included statements that implied my loan maturity date have been extended by 21 months, instead of 18 months.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX - XXXX "
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$430.00} and XXXX XXXX  XXXX {$560.00} Original creditor XXXX  It seems like they are selling this from one collection company to another. I never had an account with XXXX  XXXX XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$120.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Product: Debt or credit management

I've received XXXX phone calls with voicemails in the past week from this company. They filled up my inbox so I couldn't receive any new messages. I don't even owe anything, they were calling about someone else and were trying to find them.