23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a loan with Capital One Bank Usa. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and Capital One Bank Usa with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never late.
Product: Debt collection

I went into XXXX for a XXXX because I had a XXXX that required a prescription medication. I sat in the waiting room for over 4 hrs. Once I was called to see the doctor and told them specifically what I needed done they told me they could n't service me for that situation and that I would need to go to another location to be seen. I told them what I needed was only a prescription for the issue and to be seen to make sure that that is the issue because I was told by the pharmacist that in order to get that particular medicine I would have to be seen by a doctor. The doctor then told me that they would just write up a prescription for me without seeing me ( which is illegal ) and then I left. Now they are charging me XXXX for a hospital visit where I was never seen and given medicine that did n't even help the situation in which I originally went in for. I shouldnt be charged for services I did n't ask for such as an urinalysis and emergency room visit when I went in for a pap smear that couldnt be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of several accounts they reported on my credit report. They responded by sending me a spreadsheet from XXXX XXXX XXXX which violated my HIPPA rights. I sent a certified letter again in XX/XX/XXXX and XX/XX/XXXX requesting validation that these accounts were mine. I never received a validation with my signature that these accounts were mine. Therefore, I sent a certified letter to both Equifax & XXXX in XX/XX/XXXX requesting an investigation regarding these accounts. I sent a final request to Equifax & XXXX in XX/XX/XXXX by certified letter, requesting validation and removal of these accounts. To this day these accounts remain on my credit report with absolutely no validation via signature that they belong to me. These accounts are also being reported on my husbands credit report ( XXXX XXXX )
Product: Credit card

DISPUTE THE ACCOUNT MULTIPLE TIMES AND TOLD THE AGENT THAT THIS HAPPENED TO ME BEFORE AND THAT THEY REMOVED IT FROM MY CREDIT REPORTS AND TO PROVIDE ME WITH PROOF THAT I APPLIED FOR THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XX/XX/XXXX account numbers # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX bank, XXXX & XXXX account # XXXX Dept of educationXXXX XXXX account # XXXX Violated my rights. 

Usbk court middle Florida # XXXX 15USC 1681 Section 602A States I have the right to privacy. 

15ISC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to conduct a proper investigation into the inaccuracies I have disputed on my credit report. Despite my repeated submissions, TransUnion consistently responds within 24 hours, asserting that the disputed information 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 requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Additionally, TransUnions actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as outlined in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations . 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take appropriate action to ensure TransUnion complies with federal law and provides consumers with verifiable proof of a proper dispute investigation, rather than issuing automated, unsupported responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an urgent matter regarding a debt that has been erroneously associated with my name. I recently received a copy of the contract from XXXX, and upon review, I discovered significant inaccuracies. 

Firstly, the address listed on the contract is incorrect, and I want to emphasize that I have never resided at that address. Additionally, I noticed that the name stated on the contract is not mine, further confirming that this debt does not belong to me. 

To support my claim, I have attached copies of my driver 's license and utility bill, clearly indicating my correct name and residential address. These documents serve as irrefutable evidence that I am not the individual associated with this debt. 

In light of these factual discrepancies, I kindly request that you conduct a thorough investigation into this matter and take immediate action to rectify the situation. It is imperative that this debt is promptly removed from my credit report, as it is unjustifiably tarnishing my credit history. 

I understand the significance of maintaining accurate credit information, and I trust that you will handle this matter with the utmost urgency and professionalism. I kindly request to receive written confirmation of the debt removal and an updated credit report reflecting the necessary corrections. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Payday loan, title loan, or personal loan

I received a small loan of {$250.00} from Check n GO in XXXX of XXXX. Was unable to pay loan back promptly. Account was issued to a Debt collection agency in which Account was finished being paid in full by XX/XX/XXXX. I was then informed by both parties that the debt would be removed from loan database. It was not. Made several attempts at having it removed but debt is still showing up on XXXX  XXXX XXXX XXXX XXXX. Spoke with Check n GO today and was told they couldn't remove debt from XXXX since it was sold to collections. Spoke with Collection company debt was settled with and they told me that Check n GO HAS to remove it. I spoke with the Indiana XXXX XXXX XXXX and they also said Check n GO has to remove it. So I called Check n GO back and they say they do not have the ability to erase it and they can't do anything. All signs point back to Check n GO. I even called a lender I've never borrowed from to see what their protocol is and they also said that Check n GO has to remove the derogatory mark! This has been going on since XXXX and prevents me from doing things I need to do for my household. I want and need this Mark removed from my record, immediately. This is sabotage. If other people have had hardships and have worked hard to have them corrected, such as I, this can be damaging to them like it has been for me.
Product: Mortgage

My mortgage is currently with Bank Of America. I was notified that my homeowner 's insurance had lapsed and that Bank of America would put force placed insurance on the mortgage. I renewed my policy on XX/XX/2019 and I have sent Bank of America servicing the declaration page showing the effective date but Bank of America has not removed the force place insurance which is being billed to me at {$330.00} per month which is a Reg X violation regarding escrows. Forec placed insurance must be removed immediately upon being shown proof of homeowner 's insurance in force by the borrower. This has not been done
Product: Credit reporting or other personal consumer reports

This is my 2nd submission, you failed to acknowledge my previous submission. I've included everything thats stated on your website for my situation. Please not make is isuue more difficult that is already is for me.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692e 10- False or misleading representations Provide proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Falling that, the items must be deleted from the report as soon as possible.

15 U.S. Code 1681s-2 ( aN3 ) : You did not enter this notice of dispute ; you Edit Deleted! 
hadko dhvs from date you received my as disoute and occause XXXX XXXX XXXX XXXX to your company is in volation instruccon Provide proof of this alleged item, specifically the original application, Edit contract. note or other instrument bearing my signature. XXXX that the XX/XX/24 items muss be deleted from the record as soon as possibie
Product: Credit reporting, credit repair services, or other personal consumer reports

IL state law does NOT allow credit reporting agencies to background check beyond 15 years. Nor does it allow reporting on offenses that occurred as a minor. 
Yet, www.chekr.com used a felony from 2003, a XXXX year old charge ( as a minor ) to bar me from employment, causing me to incur an indigent status. I AM XXXX living with family due to improper reporting. They EMBELLISH charges on your rap sheet without actually looking into each offense, to your prospective employer. I.E. If you pled no contest to say, a graffitti charge, vandalism, or any kind of damaging property charges, and you are trying to work for XXXX, they will report that graffiti charge to the Nth degree, even though, what could you vandalize while working out of your own car? Kinda like they don't want ANY criminals ( even the pettiest offender ) being hired EVER, forcing them BACK into a life of crime. 

Atop of that they are absolutely foul in their manners. A dispute to their reporting is almost disrespectful to them. I have never heard anyone get anything reversed from dispute. Pretty much, even if they do reverse the wrong info, the jobs already gone since it takes weeks for this trash entity to act.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Citi will NOT award me the bonus miles on my credit card even though I met their requirements of minimum spend they owe mXXXX XXXX XXXX on my business card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX I wrote to Transunion requesting this old address be removed from my credit report and to date it still remains on my credit report.
Product: Consumer Loan

By law a register letter has to be send to the customer within 15 before any repossetion can take place, Loanmart repo my vehicle without any warning and knowing that a lawyer was negotiaring a payoff. Now I have to pay {$450.00} for repossetion fees and a {$25.00} dollars storage fees. This company has been rip people off taking advantage of people in need.
Product: Checking or savings account

On XX/XX/XXXX of 2024 XXXX XXXX and myself did a third party check into my account at KeyBank on XXXX XXXX XXXXXXXX XXXX XXXX Colorado. We waited till Monday the XXXX for the check to clear which it did. She used her money to order a XXXX  using my bank card and the funds were available. Instantly after that my account was frozen. The people at the branch have done nothing to help unfreeze my account and we have done everything they advised us to do. Ive gone in and wrote a statement. They are reluctant to call the church that the check came from nor do they want a statement from XXXX. I got a letter in the mail that said that this was going to be cleared up by the XXXX XXXX XXXXXXXX and it is still not cleared up. They told me it was going to be cleared up by XXXX XXXX and it is still not cleared up. The kids did not have a good XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding my submissions. Equifax consistently responds by stating that the accounts in question are accurate, yet they fail to provide 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 ) ( B ), as highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX ) against Equifax for similar violations XXXX 

I respectfully request that the CFPB take appropriate action against Equifax to ensure they comply with federal law and provide consumers with the necessary proof of a proper investigation.
Product: Checking or savings account

On XX/XX/2023, there were multiple fraudulent charges made with my Bank of America debit card. I was notified by the bank that there were suspicious charges and asked to verify if them. At that time, I saw an initial charge of {$1400.00}, followed by multiple other charges ranging from XXXX down to {$330.00}, totaling just under {$4000.00}. I spoke to an agent that verified only XXXX of the fraudulent charges and then refused to verify the others. I was told I needed to go to a bank branch if I had other concerns and that she could not help me with anything else. This conversation was supposed to be recorded by Bank of America, as well as the several other calls that followed over the next months. I went to the bank and was told they could not help me other than connecting me by phone to their remote fraud department. When I spoke to the agent over the phone, she asked me to report any other charges that I did not recognize at that time. I had a printed list of transactions and I highlighted those I did not recognize, notably the largest transaction of {$1400.00}. There were several other transactions that were processing and I was told I had to wait until they were done processing to claim them. I was also told they were going to fall off, which most of them did. I do share the account with my husband and accidentally identified a few charges that belonged to him. About a week later, I received notice that the claim was denied because some of the charges claimed, were made by my husbands debit card. I was advised to request to reopen the claim by writing a letter and specifying that the transaction I am reporting was the {$1400.00} charge. That was on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received my money. I have been given multiple updates by calling and none of them have actually been congruent. I made an additional visit to the bank and sat with an agent while on speaker phone with a fraud specialist and was told that they were about to write it off and we should be expecting to see our funds in 10 days. That was on XX/XX/XXXX. I made another call today and I was told that they are still waiting on the merchant to respond, but that they have not so far, and likely will not. I was told it was unlikely I will receive my money back. Please help us to get our money back from Bank of America. Thank you for your help!
Product: Debt collection

On XX/XX/2021, I attempted to contact Ad Astra Recovery Services to resolve my debt ( through the Engage by XXXX  platform ) by email at XXXX and by letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. I sent what I believed to be a reasonable offer to settle the debt and did not receive a response from Ad Astra Recovery Services. 

I never received a response, so I sent another email on XX/XX/2021. 
Ad Astra Recovery Services has not responded to the offers I have sent but continues to collect on this debt.
Product: Debt collection

Everyday for the past several months, Commetity Bank calls me numerous times a day. Ive had to block 36 of their different phone numbers and counting, but they still get through. They have called up to TEN times or more a day, several days a week. I cant take this anymore. I do plan to pay the debt, but their harassment is making me angry and upset. I cant list each incidence of their calls because its constant.
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX I made XXXX balance transfers to from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my Current Card account and current said it will be in my account within XXXX XXXXays. The next day, XX/XX/XXXX the transactions is still pending. No worries. XXXX  Days later XX/XX/XXXX the transaction is still pending. I've contacted my bank XXXX XXXX XXXX bank and the money has been taken out of my savings account on XXXX and Current has not funded my card yet which is not inconveniencing me. I've called their customer service phone number, which by the way they say they're available XXXX hours daily, yet when you call XXXX, you get an answering machine ... an ANSWERING MACHINE!!! REALLY??? which that then tells you to contact them via the app. You can't press any options and no one is available to talk..Then when you go to the app it says " no ones online right now and to provide you email and someone will contact you back when they are online. '' I've been trying for the past XXXX hours to get in touch with them and have left several messages and no one is responding, Meanwhile, my money is not in my account and I'm still being inconvenienced and TODAY XX/XX/XXXX is D DAY for what I need to do and this is ridiculous. I NEED MY MONEY. They need to be fined for false advertisement and bad business practices.. Because My BANK released my sum {$350.00} XXXX days ago and CURRENT CARD is holding it. XXXX XXXX. I've attached my pending transactions screenshots taken today..that still has XXXX XXXX date on them ... in addition to their phone number and a screenshot of the chatbox in the app.
Product: Checking or savings account

Ive been a Wells Fargo customer for many years and am constantly charged overdraft fees because they dont credit my account on time when I make a deposit and a recurring payment may need to be paid. I feel this is intentional to get extra money from their customers. Please add me to the class action suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and have come across several HARD INQUIRYS that are listed below that i am not familiar with at all. TransUnion : 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 In accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A. States i have the rights 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: Debt collection

Allied Interstate calls multiple times a day, and leaves no messages. They are just calling to harass me.
Product: Mortgage

CFPB complaint number : # XXXX After four ( 4 ) telephone calls to CFPB has REFUSED to release Report ( complaint number : # XXXX ) to XXXX XXXX. 
CFPB Supports Quicken Loans FRAUDULENT, BAD BUSINESS, DISCRIMINATION against Elderly XXXX Veterans, First Amendment Violations. 
CFPB Corruption ... How much did CFPB profit from Quicken Loans???? cies. 
1. Discrimination against Veterans. 
2. Invoking Escrow Account based FRAUDULENT DATA per CFPB request. 
complaint number is : # XXXX 3. Quicken Loans to IMPOSE an Escrow account upon a P.I. ( Principal & Interest ) loan since XXXX XXXX ( Mortgage Opened with XXXX, assumed by Quicken Loans in XXXX ). 
4. Quicken Loan RAISING Mortgage without Explanation. 
5. Quicken Loans IMPOSE Discrimination against Elderly XXXX Veterans. 
6. Quicken Loans continues to VIOLATE Customer 's First Amendment Rights. 
7. Quicken Loans WILL IMPOSE FORE-CLOSURE upon my Residence. 
8. Quicken Loans plans REMOVE the Poor from the Their homes and Seize property based upon Fraudulent methods. 
9. Quicken Loans DENIED REFINANCING to Keep High Interest Rate on Home and seize Property, Openly admission of Fraud, Discrimination based upon False allegations imposed by Quicken Loans upon their Customers. 
10. Denied Access to my Quicken Loans account. 
It 's Time for a Federal Class-Action Lawsuit against Quicken Loans 1. Quicken Loans DISCRIMINATION against XXXX Elderly Veterans needs to stop. 
Quicken needs resolve the Problem Quicken created since taking over the Mortgage Loan from XXXX .... Quicken will continue to provide BAD SERVICE as long as possible by misinforming the Bureau of Consumer Finance and Mortgage Regulatory. 
2. Mortgage needs to be Refinance from 30 yr ARM to 15 yr Fixed Mortgage per President OBAMA, Despite it 's NOT in the best ( % ) interest of Quicken Loans. 
3. Allowed access to 'My Quicken ' account online website to review Tax statements, Paperless documents, and submit complaints to 'Quicken Bureaucrats ' who refuse to RESOLVED PROBLEMS 4. Quicken will submit email Messages ; concerning status of account, Statements, Tax information ; In other words, I want to the same service that other 'White Customers ' receive without DISCRIMINATION! 
5. Quicken Customer Service will extend service to me and STOP DENYING or REFUSING service. 
#. Quicken ADMISSION to DISCRIMINATION against XXXX ELDERLY VETERAN ... Quicken will continue items 1-5. Quicken Corporate has made it clear of their REFUSAL to resolve the issues, instead they mail a useless response document ( XXXX ) filled with legal jargon that fails to resolve the problems. 
XXXX Elderly Veteran with an XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I opened up a line of credit with XXXX XXXX and the debt has been canceled. Experian is the only agency still reporting this debt to my credit report. 

1. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Experian is the only agency reporting this account.

2. I received a copy B of a 1099C showing that the debt has been canceled.

This is inaccurate reporting and should be removed.