23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX I was illegally served court documents at my home from Mariner Finance as they filed judgement against me for a personal loan I could not pay ( server threw them on the porch and ran away ). On XX/XX/XXXX a settlement agreement was made and signed by myself and Mariner with the agreement to drop the judgement. XX/XX/XXXX I made a one time payment of XXXX to Mariner to settle the debt and have it removed from my credit report ( attorney confirmed it would be removed ). On XX/XX/XXXX I received a statement in the mail from Mariner with a balance of XXXX, I immediately took a picture and reached out to their attorney XXXX XXXX to find out why I was receiving this after I had settled the debt. XX/XX/XXXX XXXX XXXX states it is an automated thing on Mariners end, that the account had been marked settled on XX/XX/XXXX with Mariner and that this automated letter was sent prior to them entering the settled status. XX/XX/XXXX my credit report was pulled as I am trying to buy a home. It showed on credit report a balance of XXXX listed for Mariner and the account was listed as open, and they were still reporting it as in collections every single month. On XX/XX/XXXX I contacted XXXX XXXX for a copy of all documents from the settlement, I called Mariner at the main number ( XXXX ) and spoke with XXXX. She stated that they never received the settlement paperwork stating the debt was settled. Contacted XXXX XXXX who stated that was not true that the paper work was sent on XX/XX/XXXX and provided documentation of that. She sent it to the XXXX branch again and states balance is null and void due to settlement. XX/XX/XXXX It is still showing the account on my credit report, I called Mariner again and again spoke to XXXX who stated she did not know why the attorney would say it would be removed from my credit report that they do not even do that. Gave no answer as to the balance, and just stated she would have to call the district manager by the name of XXXX. No response from anyone at this point. My credit is destroyed now due to Mariner falsely reporting the debt not just once but twice now, and reporting it as it is in collections still when the debt has been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX Has Violated any rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

Incomplete debt validation response from Midland, as per the FDCPA requirements, including failure to provide the original signed agreement and full payment history. Midland Credit failed to provide full validation documents for the debt they claim I owe.

The Date of First Delinquency ( DOFD ) is inaccurately reported, causing an extended reporting period of the debt beyond the legal 7 years. The debt collector sent notice of the debt to an outdated address I no longer reside at. I have received emails every two days since XX/XX/year>, which I believe constitutes harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This request is about information that is reported on my personal credit report from the credit bureaus listed above. I am formally disputing this account and I am requesting a validation of this account. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION. 
SANTANDER XXXX Balance : {$0.00}
Product: Mortgage

First of all our mortgage and our home equity loan is with Wells Fargo. 
.We purchased our Condo In XX/XX/XXXX the lender Wells Fargo gave us a mortgage and home equity loan right up front, our Realtors didn't tell us this was not good to do. Our purchase price was {$170000.00}. 
.Several years later the guy who owned the XXXX XXXX . walked away and they ended up having to Auction off about 1/2 or more of the remaining condos, they sold for about {$80000.00}. 
.So at the present we are under water our house is not worth what we paid for it, it is accessed at {$83000.00}. 
.My husband has been on XXXX for about 6 years, and gets a very small pension and I am going to retire this coming XX/XX/XXXX. 
.The Home Equity loan has an interest rate of 11.250 % and our mortgage is 6.75 %. The home equity is killing us it never seems to go down. 
.With my husband on XXXX and me retiring in XX/XX/XXXX I am not sure we will be able to make the {$1000.00} on the mortgage and the {$360.00} payment on the Home Equity. Our money will be less coming in at the time I retire. 
.We went to Wells Fargo several months ago and asked to refinance and they said there was nothing they could do for us. Because our house wasn't worth what we paid for it. 
.At that time they never told us about a modification which a person from another bank said they should have maybe suggested. 
We don't have a clue what to do, but we went to the XXXX XXXX XXXX bank that we use and they gave us your name to contact in order to see what we could get done with this loan. We really can't afford to lose our home but have a feeling if we don't get help that may happen in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I am going through the Experian Credit Report and also checking inquiries on my report. I have closed all my individual XXXX credit cards. Irrespective of soft inquires impacts to my credit report, what's the specific needs of XXXX card inquiry dated XX/XX/2018 on Experian Credit file. I have closed my individual credit cards on XX/XX/XXXX and XX/XX/2018 respectively. Why did XXXX inquire about my social when I have not contacted XXXX card or I do not have any plans to have any kind of XXXX credit card. Could CFPB direct XXXX card/Experian to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct XXXX   card/Experian to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my Experian Credit file.
Product: Credit card or prepaid card

After entering a large amount of personal information, I was notified that I was preapproved by Bank of America for credit card. 

Based on this, I applied for credit card and was rejected due to too many credit inquiries. 

I called Bank of America to complain and to ask them to reconsider but they said I had too many accounts in the last year. 

I am writing to CFPB because I am injured by another credit inquiry for a card i was preapproved for, but yet unable to get. 

Had i not been preapproved I would not have applied and incurred an inquiry.
Product: Credit reporting or other personal consumer reports

We returned the leased car in perfect condition. Almost a year later we received a notice from a collections agency stating we owed {$930.00} to BMW. We never received a notice from BMW. Now BMW has stated to credit bureau 's that we owe the money. We paid {$930.00} to BMW the day we learned of the amount owing. It shows on XXXX of XXXX credit agencies that the account is closed and paid in full but the fact BMW sent it to collections before contacting us has adversely affected our credit rating by more than XXXX points and is preventing us from getting a loan for our home.
Product: Debt collection

A XXXX XXXX from Hewitt Capital LLC improperly called a relative of mine, and told her personal information about why he was calling. He then became a complete jerk when she tried getting his contact information because she refused to give out my information, he yelled at her and hung up on her. She called him back and left a message for him, then immediately called him back again. He answered this time and told her to stop contacting him, she proceeded to tell him that she is trying to get the information from him to give to me, then she asked me if I wanted to talk to him. I took the phone, and he proceeded to claim he was a lawyer, he threatened to sue me, he tried to bargain with me and get me to give him money, he made false statements saying I committed fraudulent acts, and claimed I never paid any money on the loan ( which I did, then got into a bind and stopped because my kids needed food in their mouths ). After he got done speaking I told him to send me something in the mail. I am utterly XXXX XXXX.  Contacting my relatives is illegal, giving them personal information, including my residence address is illegal, telling them the specifics of why he was calling was illegal. He is lucky that the relative he called I am talking to because if he had called some of the others and they found out my personal information I would be suing him. Ive been told I can sue him for what he did. These things and tactics are why people dont pay things back when they get back into a good place. Illegal all the way around!
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

APPARENTLY SOMEONE TRIED TO USED MY IDENTITY AT TWO LOANS COMPANIES THE SAME DAY ... ..I CALLED BOTH COMPANIES AND THE MANAGERS HAVEN'T CONTACTED ME BACK XXXX XXXX XXXX XX/XX/2025 REGIONAL FINANCE XX/XX/2025 I WOULD LIKE FOR THOSE INCORRECT INQUIRES TO BE REMOVED FROM XXXX XXXX CREDIT BUREAUS XXXX, XXXX, AND XXXX
Product: Credit card

I was charged by XXXX on XX/XX/XXXX for a total of {$150.00}. Per their return policy, there were 3 items I did not like that I attempted to return, but after 3 attempts to reach customer service by their listed email with no response, I issued a dispute with Ally credit card around XX/XX/XXXX. 

XXXX has a if you are not happy with any of our products for any reason, well gladly accept your non on-sale items within 60 days.. listed on their website. My emails requesting to XXXX were within those 60 days. 

XX/XX/XXXX : I requested a XXXX and refund for 3 of the items to XXXX. ( no reply ) XX/XX/XXXX : I followed up on my XXXX request to XXXX. ( no reply ) XX/XX/XXXX : I followed up again to my XXXX request to XXXX ( no reply ) The merchant has not issued any credit despite my request. I expected a refund of {$130.00} for 3 of the 4 items I ordered. 

On XX/XX/XXXX, Ally credit card wrote me by mail that they will not honor their purchase protection agreement and said they would not refund my claim of {$150.00}, though I requested {$130.00} for the 3 times I wanted to return.
Product: Debt collection

Requesting A Debit validation claim. 15 USC 1692 G! I want a full payment history for this account. I want my signature on the original contract for this account! Have any insurance claim found on this account. I want the change of title that allow you to collect on this debit! Remove immediately from my credit history!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX acct # XXXX **** XXXX15 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 has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I saw an ad of a person selling a XXXX for XXXX dollars. After getting in contact with the person I was told to send them a total of XXXX dollars via XXXX. And after they received the payment Id receive a message with the shipping details. Since I bank with chase XXXX is something I am comfortable with since I thought theyd step in if something happened. But after the sent the money the seller stopped answering my messages and wont answer my calls. So since it finally clicked that this was a scam I tried to call chase to see if I could get my money back. But to my surprise chase told me that they couldnt do anything since XXXX is a 3rd party company and I should try contacting XXXX. So when I contacted XXXX XXXX was told that I would have to dispute it with my bank. When I recalled the bank I was finally told that chase themselves couldnt do anything about it.
Product: Credit card or prepaid card

My direct express card was locked on XX/XX/2022. I contact direct express several times between XX/XX/XXXX & XXXX XXXX XXXX I even contact the social security office like instructed on Monday XX/XX/XXXX at XXXX to update my phone number & email like told, at that point I was told it would only take up to XXXX hours to get my information updated & my card would be unlocked but when I called direct express once again on Tuesday XX/XX/XXXX at XXXX I told once again my information had not been updated & I was told that I could email them a copy of my ID to verify my identity which when I finally got an email to go Thur to them at around XXXX on XX/XX/XXXX they replied back they still could not verify my identity & to once again contact the social security office XXXX In the mean time me & my family have had to do without food & household supplies & if my card doesn't get unlocked by XXXX today XX/XX/XXXX our water will be shut off in the morning. I am need of help fixing this problem as quick as possible
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I applied for a Sams Club credit card, and the interest rate was not given at time of application on XX/XX/19. I received my credit card with its information on XX/XX/19. I became aware that it has a 25 % interest rate, which is much higher than many other credit cards that I have. On XX/XX/19 I attempted to speak with a customer service representative to request a lower interest rate. They stated that they couldnt do anything for me.
Product: Mortgage

Please Help, I have tried to reach Bank of America 's Escrow department for over 8 weeks ( starting in XXXX up to now XX/XX/XXXX ) and they hang up. I have also had 2 representatives from the bank hold with me for over an hour and the escrow department picks up and hangs up on them also.

They are reporting false information to the credit bureaus for the last four months, when my payments have been submitted on time in the right amount. I'm trying to qualify for a new loan and this has destroyed my credit. This could cost me an higher interest payment over the life of a 30 year mortgage. I have a substantial amount of documentation to back up my claims. I have over 50 hours in trying to get this resolved.

The representatives from BOA say to me, this just isn't right what they are doing to you. Our system is having major issues and the new system isn't working correctly. The system is all messed up! Everybody  is having to wait. On average, I have had to wait 1.5 hours before any one answers then they have to transfer me and wait another hour or two. One representative told me that there is only 5 people in her department and when she comes in there are 4000 people on hold and sometimes it have been up to 20,000. 

The people I have worked with in customer service say they are going to call me back and never do. This is a mess and the government should step in and force them to hire enough people to handle calls. Actually they should be required to open all of their banks. All of them are closed where I live, so I can't even go to the bank to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After finishing XXXX school my student loans came out of defferment. I received a call and i set up a income driven repayment plan. I was told i would that the plan would consolidate all of my loans into 1. However after missing 1 payment for the month of XX/XX/XXXX. The company retroactively went back and applied all payments while in the program as late. So after missing 1 payment for the month of XX/XX/XXXX. XXXX reported 3 loans with missed payments for 3 months each for a total of 9 missed payments. XX/XX/XXXX i was enrolled and paid XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX was missed. and
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX  has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a  minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX   immediately, and as a professional courtesy by XXXX XXXXXXXX XXXX XXXX   the entire account should be deleted off of my credit reports with XXXX XXXX and Trans Union collectively. XXXX XXXX XXXX XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Social XXXX Equifax Credit report theirs is one negative item that's 90 days late Last four of account is XXXX its a fraud account I filed a federal trade commission identity theft report please have equifax removed the one negative item that's 90 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft Account XXXX : XXXX This is not mine. 

6. Identity Theft Account XXXX : XXXX This is not mine. 
Identity Theft 12 XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Student loan

I have been enrolled in Public Service Loan Forgiveness program since XXXX and the U.S. Department of Education/Fedloans.org will not tell my how many qualifying payments I have made. I worked for the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX as a XXXX and since XX/XX/XXXX as a XXXX XXXXXXXX XXXX, my loans are Federal Direct loans, I am in an Income-Contingent repayment plan and my employment is certified every year. I meet all of the requirements but their customer service repeatedly told me I had no qualifying payments. After my last inquiry, I emailed customer service again in XX/XX/XXXX and asked why. I received a reply that they needed to conduct a manual review but to continue making payments and they would get back to me. I finally received a " reply '' today which told me nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act SECU/Local Government XXXX XXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Credit Agencies, XXXX,, XXXX XXXX and Equifax are all reporting inaccurate harmful information on My Credit Reports.

Only My current address and information should be displayed on My Credit reports in accordance with Fair Credit Reporting Act - ( FCRA ).

Credit Reporting Agencies, XXXX, Equifax and XXXX XXXX are " All '' reporting a XXXX XXXX  Account on My Credit report that is " CLOSED '' and should be removed. 

Displaying " INCORRECT NON-CURRENT '' information on My Credit Reports Violates the Fair credit Reporting Act, ( FCRA ) 15 U.S.C. 1681 and 15 U.S.C. 1681e. This is against the law and is Harmful to Me.