23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Fed Loan Servicing has my student loans. 
For a year, I have been writing letters trying to have this debt dismissed due to all the fraud. 
XXXX XXXX opened unauthorized accounts and is now being sued. 
XXXX XXXX is facing 6 lawsuits. 
How can I be held responsible for a contract riddle with fraud? 
It has been 9 years since my education and I still have yet to benefit from this education. 
I have filled out 6 applications for loan discharge that have all been returned because my situation does not fit into their categories.
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX missed payments on my consumer credit report with regard to a XXXX XXXX account. Last payment reported is XX/XX/XXXX. The payment history reflects NOT CURRENT ( late ) for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX The payment history also reflects NO DATA from XXXX XXXX. Equifax has violated multiple FCRA laws time and time again. 
FCRA Section 623 15 USC 1681s-2 Responsibilities of furnishers information FCRA 15 USC 1666 ( a ) ( b ) This account has been disputed multiple times and continues to report erroneous information. A report has also been filed with the FTC and I will be seeking arbitration.
Product: Checking or savings account

This is a follow-up regarding CFPB complaint # XXXX. On XX/XX/2025, XXXX XXXX XXXX of Optum Bank contacted me and assured me that he would reach out to the claims processing department to investigate why my claim remains " pending. '' He explicitly stated that he would provide me with an update by XX/XX/2025. 

As of today, XX/XX/2025, I have not received any follow-up from XXXX XXXX, despite his promise. I attempted to contact him directly on XX/XX/XXXX and XX/XX/XXXX, leaving detailed voicemail messages both times, including my phone number. However, I have received no response or acknowledgment. 

Notably, XXXX XXXX voicemail does not indicate that he is out of the office, which makes his lack of follow-up even more concerning. 

Unfortunately, this is not an isolated incident but rather consistent with a broader pattern of behavior by Optum Bank representatives. They routinely fail to honor their commitments, offer endless excuses for delays, and, in my experience, appear to use these tactics to avoid paying legitimate claims.

It is unacceptable for a financial institution to treat its customers this way, and I hope the CFPB can assist in holding Optum Bank accountable for its behavior. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. Equifax and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, Equifax and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. Equifax and XXXX appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation
Product: Debt collection

I am reopening a complaint with XXXX XXXX XXXXCredit Collection Services for account number XXXX. After reviewing the documentation received, I have been able to confirm that this is a fraudulent account. As previously mentioned, I have only ever been in contact with XXXX XXXX for a quote. I was able to confirm that this account was opened without my knowledge by reviewing the details provided, such as an inaccurate address. I was attending college in 2017, and held XXXX insurance after searching for quotes. I was not living in the address on file at that time. I have reason to believe that the person who opened the policy is my mother, as the address used reflects that. I have provided documentation of my residence elsewhere for the insurance I did hold at this time.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The account details in question are as follows : - Account Number : XXXX - Reported Date : XXXX XXXX, XXXX  - Balance : {$16000.00} - Current Payment Status : In Collections/Charge-off - Account Type : Auto Loan - Responsibility : Joint I have identified several discrepancies that need to be addressed : 1. Monthly Payment : {$0.00} reported incorrectly.

2. Payment History : Last payment date and status need clarification.

3. Account Status : Derogatory remarks need validation.

I demand verifiable proof of accuracy. Under the Fair Credit Reporting Act ( FCRA ), incorrect or unverifiable accounts must be corrected or deleted promptly.

I request a thorough investigation and a response within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not delete inaccurate reporting by XXXX XXXX XXXX   of a charge off in the amount if {$1.00}. This charge off was reversed and the account was reopened.
Product: Debt collection

Commonwealth financial systems sent me a letter notifying me of a debt they were collecting which was a very old debt that fell off my credit record. They said I had 30 days to dispute this letter. The letter was dated XX/XX/. There was an amount offered as a settlement, and just today I was notified, that my credit Reading plunged 48 points because they already had put this on my credit. I am livid. This is XX/XX/XXXX and I havent even had this letter two weeks and its on my credit record already. Im thinking about contacting an attorney to sue them. I attempted to file a dispute with the credit bureau and they would not allow me to do it, it said that I had contact the Collection agency. This is not going to fall off my credit, until I pay this debt. They did not even give me the chance to dispute it in writing before they reported it to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm XXXX XXXX, I'm filing a compliant against credit bureau Experian, because I have submitted numerous of dispute letters over a year regarding companies : XXXX XXXX, XXXX, and XXXX XXXX # XXXX thats still showing on my Experian credit report. I have a list of problems with Experian, after requesting more information from me to further the investigating after still allowing the accounts to remain from the previous investigation, I sent in the additional requested information within the timeframe of Experian, Experian still continues to ignore my dispute information and with incorrect feedback results that is not regarding the dispute information or requesting the same information again I already sent to them. Experian Is leaving unknown addresses that is currently on my credit report I'm unaware of and never lived at nor authorized the addresses to be on my credit report, I sent dispute letters regarding the addresses Experian results was " the address was deleted '' after I disputed three addresses and after receiving the results I check my report online at Experian.com and all three addresses still remained on my credit report including the address that was stated deleted. Their investigation did not help my disputes resulting with inaccurate results to not remove the items.
Product: Mortgage

On XXXX XXXX, 2015 I sent via next day delivery, certified, return receipt requested XXXX separate NOTICE OF VALIDATION OF ALLEGED DEBT in accordance with Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, to Wells Fargo 's attorney of record XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX ( XXXX ) XXXX. This action should have stopped the foreclose sale of my property on XXXX XXXX, 2015. These letters were ignored by both Wells Fargo and their attorney and the sale proceed today with no response from either. This is a direct, willful, and intentional violation of federal law.
Product: Credit card or prepaid card

Someone fraudulently opened a credit card with Avant bank in my name with my social security number on XX/XX/2022. This caused my credit score to drop. I found out about it when I looked at my credit report last week. I contacted Avant bank and they told me they were aware it was a fraudulent account and it had already been closed in XX/XX/2022. I contacted XXXX to dispute the Avant card and also dispute an address on my credit report in Pennsylvania that was not correct. They are working to correct this. I also notified XXXX and will contact XXXX. XXXX advised me to report this to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiry from XXXX XXXX, improper use of information someone applied for loan in name.
Product: Mortgage

I recently had a medical issue and needed an operation, which caused me to fall behind one month XX/XX/XXXX with Wells Fargo Mortgage bank. I made payment arrangements, many calls and spoke to several representatives XX/XX/XXXX and XX/XX/XXXX to make 1 month and half payment that would have equaled 3 months Mortgage payments. This payment arrangement was approved by a supervisor. On three several occasions I had to call XX/XX/XXXX to find out why my account was not posting as current, and no response ... .. but they would make an inquiry. They finally took the money and applied it to other fees and as of this date I am in arrears for 2 months where I should be current. I contacted several supervisors at a higher level who stated they would help me straightened it out and as of this date, XX/XX/XXXX they have not. They suspended my automatic withdrawal, and my XX/XX/XXXX payment sat in the Bank. I spoke to a high level Well Fargo representative who told me, " dont worry it will come out, you have automatic withdrawals ... ..and it did not. Therefore, this made my XX/XX/XXXX payment late. Thus, all of this has affected my credit report. In addition, the treatment Wells Fargo representative gave me was disrespectful, callous and condescending. They were unwilling to hear my story, I had a valid payment arrangement that they made for me, and I kept up with my part, and they did not.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, On my XXXX report, it states that I have a total of XXXX total accounts, but on my transunion credit report, it is reporting that i have XXXX total accounts on record. I disputed this and got no answer as to why there are such inaccuracies on my credit report. After researching on my own what credit accounts differ, I noticed XXXX  student loan is on my transunion report but not on my XXXX report. I would like this problem solved and the extra accounts removed from my credit profile with transunion.
Product: Credit card

Reason for Complaint : The issue is concerning the improper allocation of payments on my credit card account, which appears to be in violation of 1026.53 of Regulation Z. This regulation requires that any payments made above the minimum due should be applied first to the balance with the highest annual percentage rate ( APR ). 

Incident Description : My credit card account includes XXXX balances with varying APRs : 1. a Citi Flex Plan balance with an APR of 11.99 % and 2. a promotional balance transfer at 0 % APR. 

The incident occurs in XXXXXXXX XXXX XXXXXXXX for the billing period from XX/XX/XXXX to XX/XX/XXXX. The minimum payment due for the month is {$160.00}. The charges and payments are as follows, according to the official credit card statement : a. XX/XX/XXXX - A payment of {$100.00} is applied to the 0 % APR balance. 
b. XX/XX/XXXX - A payment of {$76.00} is applied to the 0 % APR balance. 
c. XX/XX/XXXX - The 11.99 % APR Citi Flex Plan is applied to my account in the amount of {$1200.00}. 
d. XX/XX/XXXX - A payment of {$1200.00} is applied to the 0 % APR balance. 

Despite making a {$1200.00} payment above the minimum payment required, and despite this payment occurring after the Citi Flex Plan was applied to my account, these additional funds have not been allocated to the higher APR balance first, as mandated by federal law. 

Actions Taken : On XX/XX/XXXX - after noticing the misallocation - I contacted the company 's customer service to rectify this issue. I cited 1026.53 of Regulation Z and asked them to correct the allocation of my payment. The representative forwarded my request to their financial department, which was denied XXXX days later. 

Impact : This misallocation has led to unnecessary interest charges on my account both past and future accumulation of interest on the higher APR balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking avenger of by your company which server laws of malpractice under the FCRA being broken which has in fact hurt my ability to apply for credit which has cause me defamation of character and hurt me financially
Product: Debt collection

I have received emails from Halstead Financial Services, the latest dated today, XX/XX/year> about a debt that I do not owe to Halstead Financial Services on behalf of another third party collector XXXX, via an additional XXXX party collector. At this point I am FED UP with this nonsense and I am reaching out to the CFPB. I am not sure who these people are other than they are a XXXX party agencies. I do not have an original contract from or with them, nor anything ( statement ) that shows what was supposed to have been charged! I do not owe them anything! I am feeling harassment, that is illegal. I do not have an agreement with them nor do I know who they are. I am requesting a cease and desist from Halstead Financial Services and XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with Equifax I filed a dispute on my credit report on XXXX with a collection on my account the collection name that appears on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This company has changed its name when I called this collection and bill has been paid in full their is no balance the full payment was made on XX/XX/2022 in the amount of {$110.00} I provided a copy of my proof and evidence to Equifax and they said they investigated the collection account and it remain on my credit report apparently Equifax didn't investigate because I provided my receipt and they should have made the corrections and deleted XXXX XXXX XXXXXXXX XXXX I'm also going to provided the receipt also to XXXX that this account has been paid this company XXXX XXXX is making duplicate accounts collections when there was only one account that I already Paid in full also this company goes by the name XXXX
Product: Checking or savings account

I opened Bank of the West checking account online XX/XX/. I decided to close unfunded BECAUSE teller couldn't locate account to deposit funds, leading me to suspect data mishandling, but no reps available in branch to close account, to which phone rep threatened monthly fees. So my account only exists to charge monthly fees.
Product: Credit reporting or other personal consumer reports

I am writing this follow-up letter exclusively to your organization to express my concern regarding the absence of any response from your end regarding the incorrect, unverified, and misleading information present on my credit report. On XX/XX/2023, I sent my dispute via CFPB to notify your agency about this issue. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits.
Product: Credit card or prepaid card

I have four Capital One credit cards, excellent credit ( XXXX ) and pay my bills on time. So after I received a charge of only {$14.00}, I called Capital One letting them know I did not make this charge. ( The charge was for XXXX XXXX, which I never made ) They said they would resolve it, which was six months ago. Five months ago, the {$14.00} charge appeared once again on my paper bill. 
I also spent another 1.5 hours on the phone to resolve as as I told them again this {$14.00} was not mine. They apologized and said they would handle it. Low and behold my next bill had the {$14.00} and late fee bringing the total to {$28.00}. I called once again, wasting time, spent another 2 hours talking to three different Capital one people, and finally spoke to a manager - who hung up on me. And each time when I received the erroneous bill I sent Capital One a letter of explanation, which did no good. The last letter I sent to Capital One was via Certified Mail on XX/XX/, which I paid {$4.00} out-of-pocket to do and resolve the matter. 
Yesterday, XXXX XXXX XXXX, I got yet another bill from Capital One for {$57.00}, yet again increasing my late fees and ignoring the Certified Letter I sent ... 
All this headache and hassle for a {$14.00} charge I never made six months back. 
In my opinion, Capital One is dishonest or at the very least incompetent and could not care less about its customers. 
It's obviously not only about the original {$14.00} I don't owe, but the fact they ignore a good customer and adding insult to injury, charge me late fees - basically stealing. Bad business as I won't use my Capital One credit cards again.
Product: Mortgage

I can not get anyone in the company to respond to my repeated phone calls and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

We noticed a hard enquiry by XXXX XXXX on my husband 's credit report. The enquiry, dated XX/XX/18, was not authorized by my husband. Fortunately, no account was opened, but the hard enquiry still affects my husband 's score. We are in the process of looking for a home. Our credit is really good fortunately ; nonetheless, this enquiry still affects our score and may impact our ability to get the best possible loan rate. 

I followed up with the three reporting bureaus XXXX, TransUnion, and XXXX, together with XXXX XXXX on XX/XX/18. XXXX  and XXXX  were able to help me straight away. TransUnion however, gave me a complete runaround. First of all, their customer service person was really hard to communicate with. Second, I was told to contact XXXX XXXX again and request a deletion letter, then send that and an authorization letter to TransUnion. Then after 30 days, I have to call TransUnion to have them delete the information ( why is this not done automatically? ). I contacted XXXX XXXX again and they said they could not do anything and I would have to deal directly with the TransUnion. XXXX XXXX were nice enough to refer me here ( consumerfinance.gov ), and apologized there was nothing else they could do. I went back to TransUnion and was told something different from the first call. I felt like I was getting the runaround. Now, I just don't know how to get this removed from TransUnion and I've already spent most of the morning on this without resolution. 

If XXXX  and XXXX  can handle this so efficiently, why can't TransUnion do the same? Why should TransUnion be given any power at all if they can't actually do what they are supposed to do? All I need is a straightforward way to get this sorted out. Perhaps it's time that TransUnion were required to review their practices!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized accounts being opened in my name. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts be blocked and deleted from my credit report as they were opened without my consent or knowledge. 
Fraudulent Accounts 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
Product: Debt collection

I get daily phone calls from Portfolio Recovery, even on the weekends. I've called them back and notified them that I have no debt, as I paid all of my credit cards through the XXXX XXXX XXXX. This process has taken many years, and my credit report and score are indicators of my endeavors. In the phone call I made this clear and requested to be taken off the list. I was promised they would comply with this request. However, instead of doing so, but instead, they have increased the calls. 

I don't have the dates this began, but it is daily and on the weekends. I block the number and they use a new number for each call.
Product: Checking or savings account

This morning ( XX/XX/22 ), I woke up to XXXX emails that my debit card had been declined XXXX times for charges of {$1.00} each in XXXX, CA. I live in WA and my card never left my wallet. I logged into my account and found that XXXX charges, XXXX for {$1100.00}, another for {$1100.00}, both in XXXX, TX, were made while I was asleep. I called my bank immediately upon waking up and seeing the alerts on the XXXX miniscule declined charges, Wells Fargo, and they are opening a claim on these XXXX major charges and sending me another debit card. Wells Fargo has not followed through with fraudulent charges in the past and I want to make sure that I get this money back soon because it is a significant amount that I am counting on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX account number XXXX  has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions