23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I also wrote to the Bureaus to remove all non associated addresses, phone numbers, employers and names : XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX, Michigan XXXXXXXX XXXX XXXX XXXX of XXXX I also wrote to them to remove the bankruptcy
Product: Credit card or prepaid card

Over the course off the last 12 months XXXX has applied numerous invalid fees and charges ranging from fraudulent transactions to hidden fees. In all a total of {$4000.00} in these charges have been added to statements. I notified the company in XX/XX/XXXX that we would suspend all payments until the incorrect billing was fixed. The company failed to address the matter and suspended the account. The company are claiming we owe a total of {$8300.00}. I had initially agreed that of the {$8300.00}, {$4200.00} was legitimate fuel usage and offered to pay this amount providing they could provide a correct statement reflecting this. I spoke with XXXX XXXX who refused to look into the matter and threatened collection if we did not pay the balance. She then offered a 20 % discount to which I declined. I advised her we did not need a discount but only to be billed correctly.
Product: Debt collection

I was contacted by this collection agency I informed them I don't think this debt is mine as I don't recall any of this. I asked them to verify the debt & also sent them a letter asking for a debt verification. Nothing from their part was received. All I'm asking is for the debt to be verify.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act

( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 )
( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I paid my mortgage off on XXXX. I sent a check to the address I was provided and the check was cashed on XXXX. The address I was told to mail the check to was Shellpoint Mortgage Payment Processing XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXXThe check has been cashed.The payment has not been applied to my account. The mortgage company is Shellpoint Mortgage. Their phone number is XXXX. I have called them everyday requesting to know why the payment has not posted to my account ( # XXXX ) nobody has any answers for me. My account still shows a balance and that I have a payment due XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for two weeks to get logged into my Experian account. I have talked to customer service reps numerous times with no success. Every time I call I am told something different - wait 72 hours, create a new account, change password, nothing works. I keep getting told that I need to activate a free membership to get logged in, but I can't get it to work on the website and none of the customer service reps can get it to activate either. Without being able to log in I can't get a copy of my credit report, credit score, or manage my security freeze.

I have asked a few times to speak to a supervisor or someone higher up, but all the do is create an " escalation '' but I never receive a call back.
Product: Credit reporting or other personal consumer reports

Heres a more polished version of your statement : I am writing to dispute several unauthorized and unverified inquiries on my credit report. I previously filed a complaint on XX/XX/year> regarding this matter. 

At no point did I provide authorization to Experian or the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have never applied for any loans, credit cards, or financial products with any of these entities. Furthermore, I have never submitted written consent or granted explicit authorization to anyone affiliated with these companies, or to any other lenders. These inquiries are entirely unauthorized.
Product: Debt collection

SEE ATTACHMENT AND HAVE THE ACCOUNTS DELETE ASAP. 

AUTO LOAN- ( XXXX ) XXXX PERSONAL LOAN ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I recently had a situation where an individual was soliciting people in our neighborhood to send them money for what he claimed was for charity purposes. Problem is he was not letting people go easily and I did not feel safe in the position where I was coerced into giving them money so they could leave me alone. Specifically it was {$100.00} that I sent to him from the AMEX application directly. I called AMEX and they informed me that they do not think this was life-threatening so I do not have a case to be made. My problem is I did not want to submit this transaction, but rather I was coerced into doing something I did not want because it was what I felt was safer for me. The AMEX representative insisted that he does not believe that I was in any danger and that I could have ignore this individual despite what I just emphasized about not feeling safe. He said if I were life-threatening then he could report it but he insisted that he does not think I was in any danger and offered no recourse or viable resolutions. Im truly upset with the judgement from this individual which is very unlike what I am accustomed to from this company. I hope we can correctly categorize this situation and dispute this transaction as I clearly did not feel safe in doing this transaction and the representative did say it is disputable if it were life-threatening. I hope to hear back and have a resolution to this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX, WA-XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/XXXXSource : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit card or prepaid card

i tried to call in personally and also my power attorney was present. The lady was combative and also my poa tried to let her know her attitude was making him nervous and scared. I have attached his XXXX act letter as well as the fact I am being charged {$490.00} annual fee for items no longer available like road trip interruption. They stated it ended before I even signed up. Then the lady lied on me saying we called about Citi Rewards card when it was about the Citi Prestige card and my XXXX poa veteran I have attached proof to prove they are breaking federal, state, & local laws and also denied me falsely telephone communication with my bank with Covid 19 that is the ONLY WAY I can communicate with them. If I can't call them how am I supposed to notify them of fraud or loss or to get any of the benefits that come with this card? 
Also for the record, I never spoke to the agent so I didn't speak in any negative manner it was my POA. Therefore they have violated my privacy rights if they spoke with my POA without my permission or me being present.
Product: Debt collection

Nationwide Recovery Services - XXXX XXXX XXXX The account was paid by medical insurance XXXX XXXX in conjunction with XXXX. I never received any type of bill and the insurance coverage that I had at the time covered all charges.
Product: Student loan

I advised Mohela that XXXX XXXX XXXX ( original student loan servicer ) gave me incorrect information/lied to me, about whether I had the correct loans to qualify for PSLF ( I had an FFEL loan XXXX but qualified for an income based loan repayment plan ). As already stated, I qualified for the XXXX payment requirement. However, I : 1. Qualified for an income based repayment plan as I only made {$35000.00} in XXXX and maxed out at {$70000.00} in XXXX. As such, I over paid my loans and am seeking a refund for those overpayments due to XXXX XXXX lies/incorrect information. 

2. I made loan payments from XXXX to XXXX, which were automatic overpayments as I qualified for the PSLF, program, but due to the federal government/loan servicers mistakes, we deemed in-eligible for PSLF. I am seeking a refund of those overpayments.
Product: Debt collection

I do not know the actual legal name of the person contacting me, but they are leaving voicemails saying they will serve me at my job or home with court documents and if i am not home will deliver the papers to my supervisor. I do not authorize such actions and i do not agree with this debit. I have no signed contract with this company, and they have failed to provide me with a signed contract i have with them saying i agreed to this debit with their company directly. Portfolio Recovery refuses to VALIDATE this account completely. I received all documentation required validating this debt as legally requested. The right of subjugation does not exist for a stranger to the transaction.  73  AmJur  2nd, Section 90.  This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number . Black 's Law Dictionary, 9th Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear  to the truth of. '' and "  Verification  '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st  hand knowledge of the alleged accoun t ( s  ) and all that has ever transpired for the alleged account  ( s  ), under oath and under the penalty of perjury. As I am sure that you are well aware, current  Federal  case law states that,  Consumer Reporting Agenc ies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a "  Reinvestigation ' ' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4  ). This is a request f or VALIDATION. Provi de me proof I have a signed contract with your company. Also provide every single debt statement i had through the course of the said account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will go to the  State  Attorney General if this is not resolved.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. Conns Appliances Inc bal. {$2000.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity THEFT. Someone stole my information open credit card accounts up and started charging it in my name This is fraudulent and it needs to be removed ASAP. it's hurting my ability to be able to obtain credit
Product: Checking or savings account

U.S. Bank has a written policy that the only person whose name is on the bank signature card can access those funds with proper identification. My concern is that although I sent Consumer Financial Protection Bureau ( CFPB ) a complete outline of the specific issues of my complaint your office did not respond to my correspondence but allowed U.S Bank to investigate themselves and respond to my complaint, as it seems that you did not review the facts of my case. 

I know that the Consumer Financial Protection Bureau ( CFPB ) is under attack in funding by the Trump Administration as I have also been trying to bring this issue to XXXX XXXX that I understand was the author of this federal agency wherein we are working to contact her office and other state and local agencies in California.
Product: Mortgage

in my request XXXX you claim you can not provide me informaation about how you report my mortgage payments to credit bureau is that correct? yes or no would be fine i dont need thanks for you request we gladly welcome your questions and then dont answer it and please identify yourself so i can have you appear for a deposition ill ask you again in XXXX XXXX XXXX of XXXX did you send any letters or corrections to me referencing that my mortgage was paid in full ending XX/XX/XXXX yes or no? and i want you to supply the letter
Product: Debt collection

Chase Credit Card company repeatedly calls us even after we told them to stop calling and that we are working with a credit counselor to resolve this matter. 

XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX  CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX CST XXXX/XXXX/XXXX XXXX XXXX cst XXXX/XXXX/XXXX This is just an example of the harassment.
Product: Checking or savings account

Account # XXXX  Account Number : XXXX | Routing Number : XXXX In XX/XX/2021, Chase Bank decided to lock and close my account with no email informing me of it. The very first Chase account I opened was back in XX/XX/2021. Right before this sudden closure, I unintentionally created a new Chase account while trying to redeem one of your offers for new customers. I believe that was what caused the closure, but I call customer service and they claim it was because my address at that time wasnt valid. I was staying on a college campus and used my dorm address. If this was the case, how was I ever able to open an account with yall in the first place? Your system waited a month later to figure my address wasnt quote-on-quote, valid? 

Account # XXXX  Account Number : XXXX | Routing Number : XXXX I create a new account in XXXX. Everything was back good again. Since yall forced me to provide a valid address, I tried one of my statements that had my home address on it. It worked and everything was good again. Everything was good until the week of XX/XX/XXXX, when yall closed my account again while I was on a trip to XXXX. Im from the mainland, and that was one of my major sources of funds. Because yall closed this account, it left me stranded basically no money to pay for anything. I had to use my credit cards to sustain myself for the rest of my trip, take out multiple cash advances and even then, it was nothing compared to what I had in my Chase account. I had no support of funds while being stranded in the middle of the ocean. I had to open a XXXX bank account just so I could get another one as soon as possible, as yall banned me from having accounts with yall again. Your agents never made it clear on why I was banned. They claim that this is a normal protocol for customers that impose risk. They claim that because I disputed too many charges, I somehow imposed too much risk. This is what you put a loyal customer through? A customer whose account yall close and lock several times while holding their funds XXXX and he still decides to do business with you. The irony is its actually the other way around : you were actually a liability to me shown by your reckless and senseless actions. Its clear that you are so money hungry and will do everything in your power to hurt the innocent customer. 

This is how you like to do business? This is the legacy of a company you want to build? The reputation of a company you want to sustain? This is how you treat your customers? The company I trusted, the company I let steal from me, take advantage of me, abuse me any type of way, and ultimately bans me from ever using their services again, putting a bad mark on my banking report. Denying me of service, I will be filing a lawsuit for discrimination. 

- XXXX XXXX Student Phone Number : XXXX Email : XXXX Residential : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Mailing : XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit card

I went on USAA 's website to get my account number. It was not available. I downloaded my credit card statements and none of them had the account number on it in full. the middle 8 digits are " x '' out. I attempted to chat online with customer service. They used an AI chat bot which provided incorrect instructions to find the account number. I asked to speak with a representative and it tried to connect me and failed. I called their customer service number and the automated call management system refused to connect me with a representative.
Product: Debt collection

AARGON AGENCY INC CCS COLLECTIONS XXXX XXXX XXXX is who this accounts belonged to. My father has been deceased for several years now and allot of his accounts and info have been merged into mine without any checks or due diligence. I've requested original documentation to show the actual owner of these debts in question, but I haven't received anything at all. 
Last year I disputed several names wrongfully listed on my account, instead of deleting them they were updated to versions of my name. I'm turn any info was them inherently given to me.