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

To Whom It May Concern, I am writing to express my extreme frustration and dissatisfaction with XXXX, Equifax, and XXXX for their continual failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Your failure to adhere to these regulations has caused me significant stress and financial hardship. Despite my efforts to resolve the inaccuracies on my credit report, I have been unjustly subjected to high deposits and denied approval for a vehicle. As a veteran who has served this country, I believe I should be granted the same opportunities as any other citizen. 

My identity has been compromised, resulting in erroneous accounts being reported on my credit profile. I have submitted Federal Trade Commission ( FTC ) reports, character witness statements, and police reports, yet these inaccuracies persist. It is clear that your organizations, which profit from consumer debt, are willfully neglecting their legal obligations by refusing to remove these disputed items. 

Moreover, I have observed that your dispute processes have been outsourced to foreign nationals who lack the necessary understanding of U.S. regulations to verify the disputes accurately. When I request the method of verification, I am never provided with details on who verified the information, where it was verified, or the documentation used for verification. For example, how can a company verify a late payment or claim balances on charge-offs? It is unacceptable that I am dealing with negative items on my credit report that I did not create.

I am aware of the Consumer Financial Protection Bureau ( CFPB ) case against XXXX for fraudulently reporting investigations into consumer disputes. This further highlights the misconduct within your organizations. If these issues are not resolved promptly, I will have no choice but to pursue legal action for libel, defamation of character, and violations under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), as it is evident that you are colluding with creditors to extort consumers.

I demand immediate action to correct these inaccuracies and a thorough review of your dispute processes to ensure compliance with all relevant regulations. Failure to address these concerns will result in further escalation.
Product: Student loan

I 've been waiting 4 months for Fedloan Servicing to process my IBR Plan request. I 've now been forced to place a forbearance on my account due to their negligence. An Employee on the phone asked me to upload a new application. I just uploaded my new IBR Plan application to their site through my account. Let 's see if they process it or decline with another XXXX excuse.
Product: Checking or savings account

I would like to know whether Bank of America owes me any money as part of the recent fine levied against the bank for its fraudulent practices. I previously had a Bank of America checking account.
Product: Credit card or prepaid card

On XX/XX/XXXXXXXX XXXX XXXX  I attempted to withdrawal cash at an ATM inside a Citi Bank location. The attempt was blocked multiple times at the ATM, and while it presented no reason for the issue, it directed me to speak with a bank teller. The bank employee was unable to to withdrawal the cash, but was able to tell me a fraud hold had been placed on the card due to my attempts. I left without any withdrawals occuring that day, and I called Citi to confirm that it was myself who had attempted those withdrawals unsuccessfully and have the fraud hold removed. When I checked my account a few days later, I had been charged for a withdrawal of {$500.00} dollars and a subsequent {$25.00} fee. I called Citi again, was assured that charged would be reversed. Waited for a few days and this never happened. By the XXXX of XXXX I called Citi again, was told that the charge would be reversed again, and received a letter about a provisional return while the issue was resolved formally. Then comes my latest statement, with the charge put back on, fee put back on, and interest charged. On cash I never recieved. Today, XX/XX/XXXX, I spent a couple of hours trying to ask Citi employees to reverse this charge yet again. This time I was told flat out I was denied. Citi has decided to keep the money, because they decided I received it. What proof there is to conclude this, they refuse to provide. I beg to differ as phone records and video cameras from the bank on XX/XX/XXXX will show quite clearly otherwise.
Product: Credit reporting or other personal consumer reports

On my credit report i have stuff on my credit that i need off and also that does not need to be on there and idk why its on there, i been trying to dispute things off my credit report and need it to be off & i would love for this old collection item to be off my credit report because the information is inaccurate
Product: Credit reporting or other personal consumer reports

Im the consumer in which this debt is arising from. I know my rights & who I am I understand that I have been mislead & lied to by this debtor. I also understand that I am the creditor of this consumer transaction in which this debt is arising and I understand that I need to be compensated for these damages listed below. 

To whom it may concern Syncb/PPC XXXX 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated.
Product: Credit reporting or other personal consumer reports

There is an unauthorized collection on my report, according to the The Fair Credit Reporting Act ( FCRA ) is codified under Title 15 of the United States Code ( U.S.C. ), Section 1681, and the following sections. Specifically, you can reference it as 15 U.S.C. 1681 et seq.

This must be removed due to inaccuracy
Product: Mortgage

While many companies help people during this pandemic, this lender ( Mr Cooper ) over charges people. I did refinance/closing on XX/XX/XXXX and then called Mr Cooper on the same day and talked to an agent and cancelled my auto-payment on XX/XX/XXXX since the agent told me that Mr Cooper won't charge me for late fee ( he said system automatically refund {$200.00} after auto-charge {$200.00} as late fee ). Also, the agent has left a note on my account that I would pay off on XX/XX/XXXX. In addition, the voice call on XX/XX/XXXX has been recorded by Mr Cooper. 

After paying off on XX/XX/XXXX, Mr Cooper has charged me {$200.00} as late fee. I contacted Mr Cooper several times and talked to some agents and a manger and even sent an email to their research team, but they have not addressed the issue.
Product: Mortgage

I refinanced with XXXX XXXX in XXXX of 2018. My loan got transferred to AmeriHome. I have yet to receive any communications from AmeriHome about my loan number and where to send payments. Customer serve rice is hideous ... hour of waiting on Holden or you get disconnected. I have also sent emails about address of where to send payments with no response. Horrible company with bad reviews all over the Internet about poor customer service.
Product: Bank account or service

My husband was reported to be in a guardianship to USAA Bank, but really was kidnapped. USAA bank held our direct deposit, and allowed 11 years of our money to be sent to the kidnappers. I provided an attorney name who tried to check out the so called " guardianship '' file from District Court a year later, and he said there was no file, and complete fraud. I asked the bank to contact this attorney, they refused. Magically a file appeared a few years later, so a person connected with the court was involved. A local State Senator told me we have a crime ring and it is headed by the Judge in the case. He was collecting names of others defrauded. Recently I contacted the XXXX who had received a diagnosis from this judge ( no medical license ) of me being permanently mentally ill. This was to prevent me from filing in the case, and to discourage an investigation by others. The XXXX asked me to have the successor judge null and void all actions and orders in the Case. The bank was sent the document filed, and is pretending they have no idea what the case is about. The order should be signed this week ( XXXX XXXX, 2015 ) with no opposition and no testimony. The case registry has no respondent and no defendant, in violation of the Right of Due Process for married persons..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-XXXX pulled a hard inquiry on my credit on XX/XX/2020. I did not request new services and did not contact them at all. 2 weeks ago I cancelled services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. XXXX XXXX sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XXXX XX/XX/2021 regarding not having received bill a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with XXXX XXXX ( in writing ) on my behalf on XXXX XX/XX/2021 a ) XXXX XXXX acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX 7. XXXX XXXX did not cease efforts to collect on disputed amount a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 8. Billing Error notice should have also triggered a direct dispute under 12 CFR XXXX 9. XXXX XXXX did not notify me of their findings a ) XXXX XXXX circumvented an investigation by having XXXX verify the current address Harm : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 

2. XXXX XXXX did not investigate reasons for non-receipt of bills a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 3. XXXX XXXX continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX  XXXX {$600.00}, XXXX # XXXX {$0.00}, XXXX # XXXX {$0.00}, XXXX # XXXX {$0.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX  XXXX {$63.00}, XXXX XXXX XXXX XXXXXXXX {$4000.00}
Product: Debt collection

I went bankrupt on a Key bank account for a mortgage on my house in XXXX. In XXXX, my son was XXXX XXXX XXXX and I signed up to have a joint bank account with my son at a Key bank. Key bank withdrew {$300.00} from my son 's checking account that had my name attached to the joint account through Key bank. Initially, I have contacted the bank institution in Iowa for unfair bank business transactions. Within the past 4 years, reached out to Key bank to resolve the issue and get a refund from Key bank. Key bank representatives tell me that they can't find the account in their system from XXXX to correct this error of stealing the money out of my son 's Key bank account in XXXX for a Key bank bankruptcy account. I sent all information to Key bank to show the account number associated with the issue. I had to reimburse my son for the money that Key bank illegally took from my son back then!
Product: Debt collection

Collection agency is trying to collect on debt for an online school which I canceled in a timely manner started 1 course and canceled properly have had no transaction with collection company and they are not representing the original creditor they have reported to credit reporting agencies negative remarks an an negative account have not agreed with any they are trying to ruin my credit rating also harassing phone calls on a not call listed phone number which i have not given permission to call or signed anything with them
Product: Credit reporting or other personal consumer reports

XXXX has the year of my Birthday wrong. So I filed my report online on XXXX website. I didnt know you had to put in a Federal Trade Commission report or police report XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX. So how would I know how to do this stuff. So XXXX wouldnt remove the inquiries or correct my date of birth year.
Product: Student loan

In XXXX of XXXX, I received notice from Nelnet that my loans were paid in full. The statute of limitations in South Carolina is 6-8 years for reporting loans. This loan far exceeds that. In the last complaint file the company responded with I exceeded poverty level in XXXX of XXXX, yet I have letters from them in XXXX of XXXX that state otherwise. Also, account numbers have been changed multiple times. Company can not provide with me a copy of the contract that was signed. Company has received the funds in full, but changed the account number to try and argue that no funds were received.
Product: Consumer Loan

I am 60 days late on my auto loan. I have explained to the bank ( USAA ) that I am unemployed. Since they can not do or offer a deferment I asked if I could short sell the vehicle. I would like to take it to a dealer and try to get as much as possible. I know I 'll still owe the bank money but I 've estimated that a short sell would create a deficit of around 8,000. If they repo it and throw it on a repo lot that deficit could exceed 11,000. That 's 3,000 and could possibly be up to 4,000 that I 'm basically being forced to take because they do n't want to deal with a short sale. I even said I would bring the vehicle to them, their response " leave it at your house, our repossession unit will come get it, there 's nothing we can do ''. Is there any way to negotiate this?
Product: Mortgage

The attached complaint was initially written to the XXXX County DA Office and the Florida AG Office. Instead of rewriting it to your office I attached a copy of the verified complaint. Some of the issues within the complaint has been submitted to your office in the past with no results. However, there are a few new issues and new evidence attached to this complaint. 
Please advise? 
XXXX
Product: Debt collection

I ask to validate my debt XXXX payment history, Date of Last Activity Agreement that bears the signature of the alleged debtor wherein i agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 
A copy of my ID I dispute this many times this should be deleted immediately. 
The law if you cant validate the account in XXXX most be deleted. 
XXXX XXXX was the first time I ask for validation.now is XXXX XXXX please delete this help me. I need to rent an apartment.
Product: Credit reporting, credit repair services, 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

I attended XXXX XXXX of XXXX from XX/XX/XXXX-XX/XX/XXXXI took out XXXX private student loans to finance my education. 
My loans were initially serviced by Nelnet with no problems. 
In 2014 my loans were service released to Firstmark Serviceswhich is a subsidiary of Nelnet. 
I remit payments through XXXX XXXX Online Bill Pay making one payment of {$420.00} monthly. 
The servicer would split the payment and apply funds to each loan. 
I made 10 payments to FirstMark with no issues. 
The 11th payment was only applied to XXXX of my loans. Reason being is that the payment processing computer now can not distinguish between due dates and my entire payment was applied to the first loan coming due. 
I was told by customer service that, due to the due dates being off by one day, XX/XX/XXXX and XX/XX/XXXX, that the payment was only applied to XXXX account and that she could not make the date the same for both loans due to different banks holding the notes to my loans. I was told to send my payment to a different address where a human would apply the payments to my individual loans. I did this for my XX/XX/XXXX payment, submitting it XXXX XXXX, and it mysteriously disappeared for over 2 weeks before it was miraculously discovered on XX/XX/XXXX XXXX and backdated to XX/XX/XXXX XXXX. I would like to add that the payment being found coincided with a rather nasty email I sent Firstmark on XX/XX/XXXX XXXX. Since this date I have mailed XXXX additional payments to the address listed on my statement and thus far both payments have been applied only to the loan that is due on XX/XX/XXXX. I have called and emailed Firstmark and they have shown no interest in correcting this problem. It is my opinion that Firstmark created this problem in order to hinder myself and others in making loan payments. I believe this because the 10 prior payments the computer correctly and automatically split my payments among my XXXX accounts. Why would a servicer change this on purpose? To create more work on the student loan payer by making one have to call or email the servicer each month to have ones payment applied correctly? This is a major waste of my time and is causing undue stress in my life. I also believe, if I failed to call, this error would not be discovered within 30 days and then my credit would be irreparably damaged and thus I would be damaged monetarily.
Product: Credit card

See this quote from Capital One 's webiste : https : //www.capitalone.com/learn-grow/money-management/overpay-credit-card/ Quote : " Request a refund If you have a negative balance and want the money back, you can make a written request to your credit card company for a refund. Your credit card company might also accept requests in person or over the phone. If you overpay your credit card by more than {$1.00} and request a refund, your credit card company must send you a refund within seven business days of getting your written request. The refund may come in the form of a bank account deposit, cash, a check or a money order. '' NOTE IT SPECIFICALLY STATES REFUNDS CAN BE IN THE FORM OF A BANK ACCOUNT DEPOSIT On XX/XX/year>2024 at XXXX PST I called Capital One Credit card services to request my entire negative balance of {$1000.00} be refunded to me by bank direct deposit. They have denied me. The amount has now grown to {$1000.00}. The called me and stated that discriminate as to who can and can not get their negative balance refunded by direct deposit and there are reasons why they will and why they wont. I asked for the reason why they will and they said it is a secret. I told them I am unable to physically go to a bank or post office and they are refusing to refund my balance to me. 


As they are more than capable and they have done direct deposit refunds many times in may instances to many customers, I want a full refund of my money refunded by direct deposit immediately.
Product: Credit reporting or other personal consumer reports

During the last week of XX/XX/2025, I noticed that there was several inaccurate and outdated reported information populating my EXPERIAN credit report. I submitted information requesting an updating and correction. After I submitted this information I was booted out of the EXPERIAN system. Multiple efforts ( in excess of five attempts ) to regain access and obtain my report was unsuccessful. EXPERIAN blocked my multiple attempts to regain online access. Multiple efforts to obtain live EXPERIAN phone support was fruitless. I had submitted my correct long term login credentials for access, only to be blocked and redirected to regain online access. Multiple efforts to obtain live EXPERIAN phone support was fruitless. I had submitted my correct long term login credentials for access, only to be blocked and redirected by Experian to recorded lines that dropped my calls and did not provide me access or consumer report. EXPERIAN emailed me login directions that repeatedly failed to assist me in recovering access to my EXPERIAN account. These acts and inactions by EXPERIAN constituted multiple violations of the fair Credit Reporting Act. This conduct is why I sought CFPB intervention to address and remediate the inefficiency, ineptitude and overt illegal conduct of EXPERIAN. I have attempted to cancel my EXPERIAN membership to no avail, as EXPERIAN constantly blocked my access and/or redirected to processes which were fruitless and unproductive.