23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The aforementioned credit collection agency representing whomever XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Debt collection

I started to receive calls from XXXX XXXX and their debt collection subsidiary in XXXX of XXXX for a series of bloodwork tests that were ordered by my doctor. I was surprised as these are covered by my plan with XXXX. After making some calls it was determined by XXXX that XXXX coded the tests incorrectly and they resubmitted them. Eventually, the cost was covered but I continued to receive calls and mailings stating that I owed {$540.00}. When talking to a representative at XXXX they indicated that they can not provide evidence to me but that it would take a few weeks to be reflected in their system. This cycle continued for a few months and I eventually called them again and they said they showed that it was reclassed and covered. I had not heard anything from XXXX for many months until I received a collection notice in the mail on XX/XX/XXXX for the same amount. I called the collection agency, Credit Collection Services in XXXX, MA ( XXXX ) XXXX on XXXX/XXXX/XXXX and spoke with XXXX XXXX who said that XXXX  resubmitted the " debt '' on XX/XX/XXXX. I then called XXXX and spoke to XXXX XXXX ( XXXX ) XXXX who confirmed that the case was closed on XX/XX/XXXX as my insurance covered the full amount.
Product: Debt collection

I reviewed my credit reports and Portfolio Recovery Associates collection agency put a flag on all my credit reports. I never done business nor signed any contract or owe any debt. This is a violation of 15 US 1681, AND 15 US 6802. Remove this off my credit reports immediately..
Product: Checking or savings account

My XXXX  was cloned sometime in XX/XX/year> and my Truist account was accessed without my knowledge or permission. The unauthorized activity started in XXXX 2024, but I did not notice until I called the Truist XXXX XXXX on XX/XX/year>. Withdrawals occurred using XXXX, XXXX XXXX and XXXX XXXX. My Truist account was frozen, and the bank returned some of the funds but over $ XXXX USD is still missing. I opened another checking account at XXXX Bank on XX/XX/year> and the bank was made clear of my issues at Truist, and that extra protection was needed. Unfortunately, my XXXX account was also accessed without my knowledge or permission and funds started to be withdrawn on XX/XX/year>. The net impact on my XXXX account was {$5600.00} of funds withdrawn using XXXX without my approval. I engaged the XXXX XXXX XXXX XXXX, and a detective is assigned to my case. I forwarded multiple copies of the police report with both Truist and XXXX but both banks continue to reject refunding me because they believe that the activity was on my phone so it must have been approved. I can not imagine that I am the only person who is a victim of identity theft by use of closing a cell phone.
Product: Vehicle loan or lease

this letter was sent certified 2 months ago and no response yet? 
they just reported my account as settled which is not correct- Hyundai Motor Finance XXXX customer service XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX acct # XXXX To whom it may concern, I would like to file a credit dispute- I agree I have a balance due, however, I do not agree with the bills you sent me.

I actually have only received one itemized bill dated XX/XX/XXXX for {$4600.00}. 

That was reconfirmed during my phone call with your call center and also in the email they sent me on XXXX XXXX XXXX pm. 

I received a second notification ( not a detailed bill ) on XXXX XXXX for {$3700.00}. 

I received another letter dated XXXX XXXX requesting {$2600.00}. 

XXXX XXXX resolution letter- I have been in discussions with your lease end department and was waiting to hear back and to receive a corrected itemized bill which as of today ( XX/XX/XXXX ) I still not have received. 

I just received a notice that you filed a 30 day late payment to the credit bureaus. 

I am in the process of trying to get a mortgage and you just destroyed my credit. 
Please review my taped phone conversations on XX/XX/XXXX and XX/XX/XXXX with your employees. 
I have my notes and intend to seek legal guidance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX reporting under FCRA and XXXX XXXX To Whom it may concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under the 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts or items Account name XXXX, Account number, XXXX. 
Provide me with all documentation to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated time frame. I expect written confirmation of any changes made to my final credit file. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I began reviewing my credit report and have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. I sent a second round about a month later, again some items were addressed and some were not. I sent the attached letter directly to a company by the name of XXXX XXXX XXXX. I believe in response to this letter - XXXX XXXX XXXX sent me the attached letter deleting my file and to my understanding deleting this from my credit report. Now, I have received this letter from Central Credit Services. Referencing that they have been asked by XXXX XXXX XXXX to investigate a debt - and WITHOUT PROVIDING ME EVIDENCE THAT THIS IS MINE are attempting to coordinate a payment plan. I have several account numbers that I 'm looking at and everything is getting confusing. NEITHER creditor is validating that these items are mine. The dates do n't make sense. The locations do n't make sense. I have always had health insurance. I have NO IDEA what this is and quite frankly i am sick and tired of asking. It appears as though this account is being bounced around from creditor to creditor. Regardless- i need clarification on ANY & ALL ACCOUNTS that either one of these creditors " say '' belong to me. I am asking for proof as constituted by the law ... which means something bearing my signature, or a contract in my name. This is a waste of my time, energy and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit file. This has cause XXXX XXXX issues..Reporting wrong information on credit history report is wrong. Seeking compensation for wrong information on my credit report
Product: Checking or savings account

My account was concurrent and had positive balance then next time I checked my account it was in the negative status and I lost my money that was in there as well as the minor deposits I were making into my account
Product: Checking or savings account

XX/XX/XXXX, 2025 Spent over two hours talking to @ 7 different representatives, being bounced from customer service reps. to Fraud dept. reps., and purchases being declined, and being marked as fraud. 
On XX/XX/scrub>/25, a phone rep. stated I needed to immediately change my user name, and password because XXXX was being recognized. I verified my XXXX at a local bank! 

No email, no text, to approve or decline a purchase just blocked. At a store, I spent @ 30minutes wondering why my card was being declined knowing the funds were readily available holding up the line! COMPLETE EMBARASSMENT! 

I feel I am being targeted, and harassed to use my own funds!
Product: Payday loan, title loan, or personal loan

In XXXX I took out a {$500.00} loan out of desperation in XXXX XXXX. I did understand the interest was higher than usual but was told that payments would take money off the principal and it was able to be paid SHORT TERM INSTALLMENT. In fact because of the structure it is n't set up to let you get anywhere - I also did not know that these types of loans are illegal in PA and that the state is going after these companies for trying to evade state and federal laws for the exorbitant interest charged. despite making biweekly payments of over {$140.00} I found that in XXXX I now owed {$670.00}! They called my employer looking for me even. I tried to have a negotiator talk to them but have not been able to get anywhere with them.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I noticed that a negative account is being reported inaccurately, despite the fact that the creditor does not maintain this status for longer than XXXX months, as per standard consumer credit reporting practices. According to the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information should be removed from my credit report, especially if it no longer reflects the true status of the account. 
Specifically, the XXXX account XXXX XXXX, is being reported with a negative status that should have been removed after the XXXX period, as required by the creditors own reporting standards. I request that this account be immediately removed from my credit report to comply with both the FCRA and Metro 2 guidelines, which mandate the accurate reporting and timely removal of outdated or incorrect information. 
If this account is not promptly removed, I will be forced to pursue further action to protect my rights under consumer law. I expect immediate resolution to this matter.
Product: Debt collection

On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " XXXX, XXXX XXXX XXXX '' for an outstanding balance unpaid to " HSBC HOUSEHOLD BANK ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from XXXX, XXXX XXXX XXXX. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by HSBC and then mentioned it was somehow related to a MasterCard through XXXX XXXX. He also refused to give me any contact information for HSBC. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted HSBC immediately and they had no record of my social, account or name. The HSBC rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the HSBC account number was not referenced in the collection. HSBC recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for XXXX, XXXX XXXX XXXX and it appears I am not the first they have attempted to scam. I am attaching the scam letter from XXXX, XXXX XXXX XXXX to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.
Product: Mortgage

We purchased our home in 2001 at {$150000.00} with one company. Over the years our mortgage changed hands a number of times and has ended up with Select Portfolio Servicing. We had one situation where we ended up in court to save our house. We have been doing pretty well until recently. 
I have tried numerous times to get answers as to why the numbers don't add up after 20 years. They say the balance is {$140000.00} which I find hard to believe that after 20 years we have only paid {$13000.00}. Every person I have talked to can't or won't give me any answers. 
I never talk to the same person and I can never get a hold of my Relationship Manager assigned to our account. We are currently 2 months behind and they are threatening foreclosure action again. They have left notices on our door saying that they have tried to contact us, which they haven't. We don't want to lose our home but, it's going to take some time which they don't want to give us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} SECURITYCRED ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00}
Product: Credit card

TIME WAS SEPND CALLING CITI, TYPING AND CREATING DISPUTES LETTERS AND LOOKING AT CREDIT REPORTS. TIME WAS SPENT GOING BACK AND FORTH TO THE POST OFFICE. TIME WAS SPENT FINDING ERRORS ON MY CREDIT REPORTS. TIME WAS SPENT CALLING CITI MULTI TIMES. TIME WAS SPENT FILLING OUT ENVELOPES. TIME WAS SPENT PRINTING AND SIGNING DISPUTES LETTERS. TIME WAS SPENT FILLING OUT XXXX XXXX XXXX FORMS. TIME WAS SPENT IN LINE AT THE XXXX XXXX. 

I AM NOT LIABLE FOR THIS DEBT WITH CITICARDS. I DO NOT HAVE A CONTRACT WITH THE CREDIT CARD AGENCY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS REQUESTED.
Product: Credit card or prepaid card

XX/XX/2021 letter received requesting further proof of address. 
XX/XX/2021 Utility Bill and Business License mailed. 
XX/XX/2021 Phone call to get update made. Agency is refusing to accept city business license as valid proof for furnishing a government issued business license.
Product: Debt collection

Recently Enhanced Recovery CO L, flagged my credit report with a collection on a debt that was paid off years ago ( the original debt with was XXXX and I'm still with XXXX ) with the original creditor. 

When Enhanced Recovery began trying to collect for this discharged and settled debt, I informed them that before I'd pay anything I'd need to receive a verification of debt via mail. 

They never verified the debt and are wrongfully flagging my XXXX   credit report to collect on money the original creditor was paid for. Of course when I touch base with the original creditor they tell me the debt 's been satisfied and that Enhanced Recovery has been informed of this ; of course Enhanced Recovery CO L has no idea of this and insist that they're owed money as they " bought the debt. '' Even more disappointing, these " collection '' specialist can not be reached when you try to call them on the contact number they provided ; how can a XXXX dollar collection agency not provide a working number or accurate contact information? 

This is a racket, buying solvent and nonsolvent debts and flagging people 's credit for debt that isn't owed. XXXX and Enhanced Recovery should be ashamed of themselves ; shady practices across the board. Please flag Enhanced Recovery for these practices and hold them accountable, at the very least can we get them to remove the wrongful collection from my credit report until they and XXXX  verify the debt in writing. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I con taced Lexis Nexis,     XXXX   XXXX   XXXX   XXXX   they just said it was verified w  ith Lexis Nexis. I wrote Lexis Nexis and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.
The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus. Lexis Nexis, which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false information on my cr  edit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX from 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 an account without my written instructions. 15 U.S.C 1692b acquisition of location information by debt collector
s.
Product: Credit reporting

I have contacted Equifax on multiple occasions about the removal of a tax lien from my credit report. After conversations with XXXX Equifax representatives I was told the lein wo n't be removed for 7-10 years, even though I have my form XXXX form the IRS that has released and withdrawn my leins. After being told even if I submit the forms that wo n't change anything, I decided to contact the CFPB because this does n't seem fair or correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NAVY FEDERAL for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

My husband and I were approved for a {$5000.00} loan at Mariner Finance and scheduled an appointment to come in to finalize paperwork on Wednesday, XX/XX/XXXX. My husband was asked to bring in his ID, social security card and proof of income. I was asked to bring in my ID and proof of income. Collectively we were asked to bring in a document showing address verification. 

When we came in for our appointment, we worked with XXXX. I handed XXXX my husbands ID, his social security card, proofs of income, address verification and my XXXX work authorization card ( serving as photo ID ) and my social security card because my name is spelled differently on my XXXX ID card. My SS card has a restriction on it saying, valid for work only with XXXX authorization. To give context, this restriction is for an employer to look at and ask me for my work authorization if I am applying for a job. It has zero bearing on my credit and does not define, in any way what my citizenship status is. Mind you, I wasnt even required to bring in my social security card I brought it to show the spelling of my name. 

XXXX left the room with our documents and came back in. She said that she had some bad news and that they were unable to approve the loan because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was the first time anything regarding my citizenship came up. I am not on a work visa I have never in my life been on a work visa and I certainly never said anything to XXXX about a work visa. I explained to XXXX that I am not on a work visa, and I was confused about how she came to that conclusion ; I am considered a permanent resident because of my indefinite humanitarian parole status. 

XXXX then asked her supervisor to come in. I explained to the supervisor that I am a permanent resident, to which XXXX interrupted me and asked, but youre not a citizen? My husband then asked XXXX if she knew the difference between a citizen and a permanent resident to which she responded, no I dont. 

XXXX supervisor then asked her District Manager to come in. Once he came in, he said that because of the statement on my social security card, they will not approve my loan. First it was because XXXX XXXX XXXX XXXX XXXX XXXX, now its because of the social security card that I wasnt required to bring in. I tried explaining, again, that I am considered a permanent resident and that Ive applied and have been approved previously for things such as federal student loans and other personal loans with no issues. He then said well then you can go apply at a different lender. I wasnt asked for and did not have the chance to provide any documentation to show proof that my citizenship status does meet the loan criteria. We were told to go elsewhere.