23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Vehicle loan or lease

XX/XX/2023 XXXX loan was paid off with check {$17000.00} from dealership trade in vehicle. The payoff of {>= $1,000,000} was deducted from dealership check and overpayment was sent to us of {$370.00}. 
I called Citizens Bank on Friday, XX/XX/2023 requesting a refund of Gap Ins. amount of {$330.00}. The Gap amount was provided to us from XXXX XXXX XXXX. and original dealer trade in was purchased from. 
Citizens Bank transferred call XXXX different times which requires telling issue again, loan number, name on account, etc. Citizens Bank claims the payoff overpayment included the Gap. Clearly the math indicates otherwise. 
After contacting dealership vehicle was purchased from, they stated a check was issued and sent to Citizens Bank a month XXXX and Citizens has the money..I now have to go through rude call center people again requesting refund. 
Still n XXXX XXXX refund has been sent to me.
Product: Mortgage

This is my second complaint as to what has been going on. In the last correspondence here with Fay, they responded by stating my mortgage was short {$540.00} due to escrow - this bing after I was told {$660.00} and {$650.00}, on 2 different occasions was due. This shortage started in XXXX, XXXX when I was not even aware I was short due to multiple representatives at Fay telling me I was current. I spoke with a rep this past Friday to make my payment to get XXXX caught up and was told XXXX was paid, I need to make a {$2300.00} dollar payment for XXXX. So for XXXX, {$1500.00} of my payment went towards interest. That is ridiculous. 
We are waiting to hear about a modification that I would like to be permanent but are also waiting to hear on our refinance request. My husband reached out to XXXX this past Friday also who is handling our refinance and she told him that the refinance will be dead in the water if we do not pay {$2300.00} on Sunday, which was yesterday. 
We are late but not in default and everything I have researched states that a refinance is still a viable option if one is late, but not in default. I am scratching my head because if the payment was due for the refinance to continue, why did no one reach out? 
Every time we call, we get a different answer. It is odd because when calling Fay, there are quite a few prompts with verifying numbers and giving them permission to contact you. I always answer yes. This seems to be the only way to communicate. 
Very frustrating.
Product: Student loan

Missing {$350.00} in payments to my loans, please see attached for the list of payments that are missing and the acknowledgments of the payments.On  XXXX 17 Interest was paid twice, once on  XXXX -17 and once on  XXXX -17. All the amounts from the acknowledgments did come out of my bank account.
Product: Credit reporting or other personal consumer reports

Transunion has re inserted an sealed record back on to my credit file for third parties to see, that is a violation of my constitutional right to privacy, and it violates the FCRA, the record is off limits to CRA 's. I have attached evidence once again the case is sealed from the public.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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. These are the collections accounts I've marked as inaccuracy.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit 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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND HAVE NO SIGNATURES ON FILE FOR ME XXXX XXXX XXXX  XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX AND US BANK.
Product: Student loan

Applied for IDR SAVE repayment plan in XXXX and the status has been 'under review ' for months now. I even tried resubmitting it and have received no correspondence from Mohela about this application. I have emailed them and received no response as well. I have received my payment amount now and it is not on an IDR plan and the payment is too high and they are giving me two different payment amounts due now as well. One is {$200.00} and the other is {$400.00}. I have attempted to call them and been on hold for hours just for someone to answer and not be able to hear me when I talk and then hang up. It is unacceptable customer service. My application should have been processed by now and I should not have to be doing this but the customer service should have expected a large rise in calls and should make sure they have the ability to hear people after they wait hours or call the number back if they can not hear the customer.
Product: Checking or savings account

XXXX XXXX XXXX XXXX ( 0 minutes ago ) to me I am writing to express my concern regarding the current status of my Chime account and the apparent withholding of my funds. I decided to open a Chime account to receive direct deposits from my current job. On XX/XX/2023 I got an email stating that my account with chime was closed. After contacting them they told me that I violated the deposit account agreement and that they could not disclose why my account was closed. There has never been any fraudulent activity on my chime account. I contacted them multiple times, only through email because they did not have a phone number for me to talk to a live agent at the time. I was told in an email from chime on XX/XX/2023 that within 30 days of my account closure I would receive a closure check. 30 days passed, I was never sent a check, nor did I receive any confirmation from Chime that a closure check was sent. After contacting them again they continued to give me the run around and say that they need more documents even though I had already previously sent documents verifying my identity, home address, proof of my deposits, etc. On XX/XX/2023 I sent one final email with all of the documents once again that I have already sent them multiple times. After days of waiting for a resolution to the problem that I have been dealing with for over a month with chime they stated in an email on XX/XX/2023 that now my account is no longer eligible for a refund. So, they are refusing to give me my funds that I legally worked for. I reviewed the terms and conditions of my account agreement and didnt see anything that I violated. They never gave me any proof on the closure of my account and why it happened. I kindly request a detailed explanation for the withholding of my funds and a clear timeline for their release. Chime did not do their part in solving any problem I had with them and they have continued to withhold my funds without any legal action. I believe in a fair resolution and hope to resolve this matter promptly.
Product: Credit card or prepaid card

On XX/XX/2022, I initiated a balance transfer request online on XXXX XXXX XXXX website ( my credit card issuer ) for my Walmart Mastercard ending in XXXX in the amount of {$1400.00}. XXXX XXXX XXXX  online balance transfer system automatically generates the Creditors address. A few weeks after the balance transfer request, I noticed that payment had not posted to my Walmart Mastercard. I contacted XXXX XXXX  and it was determined that the payment was sent to the wrong creditor, Synchrony Bank. My Walmart Mastercard  was issued by and is serviced by XXXX XXXX XXXX XXXX XXXX XXXX mailed the balance transfer payment to Synchrony Bank. I have attached a copy of the check that was cashed by Synchrony Bank on XX/XX/2022 as well as details pertaining to the balance transfer. 

Since contacting XXXX XXXXXXXX XXXX  by phone, I have been contacted by a representative named XXXX at number XXXX. XXXX prepared a letter on my behalf and faxed it to Synchrony Bank requesting that the funds in the amount of {$1400.00} be returned to XXXX XXXX XXXX. She said in turn XXXX XXXX XXXX  would credit my credit card account ending in XXXX the {$1400.00}. XXXX has been persistently providing weekly status updates, however as of the date of this correspondence, sixty days after the balance transfer request was initiated this issue remains unresolved. XXXX said she can not process a refund to my account because she can not verify that it was a bank error. This is clearly a XXXX XXXX XXXX XXXX  error. I did not input the wrong Creditor or wrong Creditors address into the balance transfer system, it was generated incorrectly by XXXX XXXX XXXX  online balance transfer system. 

Additionally, I have contacted Synchrony Bank and the representatives I have talked with acknowledged that the balance transfer check was cashed but have not provided an avenue in which the funds can be retrieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries do not belong to me : XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have filed a complaint with the FTC for these accounts to be deleted so please take them off. I have uploaded the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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  15 U.S.C 1681 section 602 A. States I have 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. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Payday loan, title loan, or personal loan

This company has charge an exorbitant amount of fees double and triple the amount of interest on top of the loan also during the pandemic they had notify the credit bureau that my account was late and this account shouldve been protected by the pandemic they have reported late payments on my credit bill that needs to be fixed accordingly to a circumstance not controlled by me also those fees thats on top of the long thats double and triple need to be adjusted in go to the appropriate amount they are robbing me as a customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and submitted a dispute with an agent at Equifax and due to a system error they weren't able to assist me with this matter that I also mailed out my personal information attached with an identity theft report. I have not received any updates or anything verifying this fraud account and I would like further assistance for this matter. Please help me investigate this matter further and getting this account removed from my credit report. Thank you in advance
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Debt collection

On XXXX/XXXX/XXXX I was treated at XXXX XXXX XXXX XXXX Hospital for XXXX. At the time my husband provided my current insurance and personal information. At the time, I had XXXX insurance, through XXXX XXXX XXXX. Shortly after the services, I received a bill from the Emergency room and ambulance service. I paid all out of pocket expense ( about {$1800.00} ) which I assumed was the complete bill for that date of services. On XXXX XXXX, XXXX ( 14 months later ) I received a bill from XXXX for a collection account in the amount of {$5100.00} for XXXX XXXX XXXX Florida. After researching this, I found out that the hospital did not update my insurance info or personal information, so my bill was not submitted to the correct insurance company. Also I was never called or received any information regarding this bill until XXXX/XXXX/XXXX. Now my insurance co, XXXX, will not pay and the hospital wants me to pay out of pocket {$5100.00} which I do not have or do I feel it is my responsibility since it was caused by their neglect. Especially since the other companies had my correct information and billed me in a timely manner and were paid in full. Now the account has turned over to Mendelson Law Firm, XXXX XXXX, XXXX, TN XXXX. They provided a letter that states this bill was turned over to XXXX on XXXX XXXX, XXXX. As stated above I was not notified until XXXX XXXX, XXXX after I moved to another state. This proves no attempt was made to me for over a year. If I was notified in a timely matter my insurance company would have paid the bill and this would have never happened. Please investigate this lack of billing integrity which has caused this financial burden on me and my family. 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Student loan

I was speaking with a representative after I discovered an error. I used the loan payoff calculator on the XXXX website to pay off the balance of three of my loans. When I checked the next morning there was still a balance. After speaking with them they admitted a mistake and were submitting a request to get the payment reapplied to remove any balance that I had. However that got me thinking, what else have they messed up? 

I called furiously requesting them to review my account in whole which they said takes a while. Only takes 1 day for them to take the money out of my account, how convenient. 

Anyways I called back and started asking about how they calculate interest and how many days are included. Using the sample of my payment on XX/XX/XXXX they said it was 29 days. My last payment had been on XX/XX/XXXX. The employee said I paid 29 days of interest for the XX/XX/XXXX payment and 32 days of interest on my XX/XX/XXXX payment. But insisted that the XXXX wasn't included twice. When you calculate the days, 29 days worth of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX. Additionally, 32 days of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX as well. I believe they are doubling up and adding additional days of interest to each payment received. 

I am going to calculate on my own, but wanted to send this to you just in case you have seen this in the past. 

Hopefully all of this made sense and it wasn't just me rambling for two paragraphs. 

Thanks for the help!
Product: Credit reporting or other personal consumer reports

Dear CFPB I do not recognize these hard inquiries mentioned below, I have never given any permissible purpose to these companies, I request their immediate elimination since they are fraudulent, I attach my identity theft report, thank you 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: Checking or savings account

BofA honored 3 fraudulent checks totaling {$6500.00} on XX/XX/18 for {$2000.00}, XX/XX/18 for {$2200.00}, and XX/XX/18 for {$2300.00}. We immediately froze the account when we noticed the fraud. BofA investigated and then denied the claim because they said it was " pin verified ''. I re-opened the claim with supporting documents proving my son was in school when transactions took place and included bank signature card that does not match my son 's signature as well as asking bank to check their cameras as fake checks were time stamped when fraud took place, another way of proving that my son did not make these transactions. My son had {$88.00} in his acct. ( he is given {$100.00} weekly for meals and expenses ), whoever committed the fraud put money in his account to make it look like he had {$2000.00} and then went to 3 BOFA  locations inside and cashed checks with teller. BofA also transferred {$4500.00} from another savings account of mine into frozen account because of overdraw, BUT, the overdraw is due to the investigation that is pending. They later returned the money into proper account. I have been waiting since XXXX of 2018 for a decision. I am a single mother, raising a boy in college with no co-parent. This has been a nightmare. BOFA has not been helpful at all. Can you please help.