23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/year> I was charged exorbitant international fees totaling over {$10000.00} on account # XXXX to a phone line assigned to a XXXX I am uncertain if these charges were incurred by the XXXX that was assigned to that account, but clear that I did not authorize such substantial fees. 

I find it disconcerting that, unlike other consumer focused companies, XXXX does not suspend services or seek verbal consent from the account holder before charging excessive fees. This lack of precautionary measures places an undue burden on consumers. 

I also was proactive and contacted a XXXX representative before embarking on a cruise clearly outlining my destination, XXXX. I was assured that no extra protection was necessary to avoid charges as international fees would not be incurred in XXXX. Regrettably, this information was inaccurate, and the resulting fees have now been added to my credit report. This has led to the denial of access to credit and is impeding my ability to make necessary life changes. 

I request an immediate investigation into this matter, the removal of the unjust charges, and rectification of the impact on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX from XXXX XXXX XXXX on XX/XX/2020 in an attempt to settle debt from XXXX for the total amount of {$870.00}. I agreed to pay {$320.00} on XX/XX/2020 and then make payments of {$150.00} beginning on XX/XX/2020 until the debt was payed in full. 
They have now taken {$390.00} more than I agreed to pay for. The payments in my bank statements are under CAPITAL LINK MANAGE SIG RF # XXXX XXXX XXXX NY. 
Every time I try to contact them, I am told to leave a message but I am never contacted back. I know they are taking advantage of me but I dont know what to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint Ive made regarding TransUnion credit freeze being impossible to put on hold for a few days ( unfreezing temporarily ) in order to apply for credit. It is still impossible to reach an agent by phone within a reasonable time of 30 minutes hold time, and it is impossible to do it on the website because they take so long to send a two factor authentication email that it times out, or else the website hangs and says they are experiencing problems. Please escalate this issue.
Product: Debt collection

I contacted PayPal to inform them on XXXX XXXX, 2019, that a credit card was on my Paypal account that was not mine. I also informed PayPal there was a balance of {$1900.00} that is not my money and this is not my credit card. The representative said they would handle this. Then I receive an email from PayPal stating I owe a balance of {$970.00}. I do not know why this was happening to me when I reported this credit card on my PayPal account. I then contacted my monitoring service to see what to do. I was told to file a police report which I did and get all the documents together to prove my case. I also contacted the bank that PayPal uses to see if they could give me more information on this account that was now tied to my Paypal account. I called XXXX XXXX XXXX XXXX  and was told this bank is set up through XXXX which is like a XXXX XXXX account and there were other charges that were made on this account. The charges started on XXXX XXXX, 2019, for the amount of XXXX cents and XXXX cents. These charges were never shared with me through PayPal. I also had my monitoring service file a dispute and a dispute package was sent with my documents proving I did not add this account to my Paypal or open this account. My monitoring service has not been able to speak with PayPal even though the power of attorney was submitted by certified mail and also by fax.
Product: Credit card or prepaid card

In mid XXXX, I discovered my Chase Freedom card was stolen and someone had made unauthorized charges on my account. After finding out on XX/XX/2022, I immediately called Chase and informed them of this. I honestly have no idea who stole my credit card and made such purchases on my account. Other credit cards, including my XXXX  XXXX XXXX and XXXX XXXX XXXX were also missing from my wallet, and I called into those credit card companies as well. 

After nearly two months of absolute silence from Chase, they have partially refunded some of the charges made on the account but not all. 

Specifically, I somehow " benefited from this transaction '' despite me not making the transactions on the following purchases : XX/XX/2022 | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | XXXX | XXXX XXXX Again, to reiterate, my credit card was STOLEN and someone had used my credit card to make the above fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/2022 This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

Capital One NA XX/XX/2022 ( XXXX  XXXX XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, Used This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XX/XX/2022 ( XXXX, XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX Sec XXXX Under XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( A ) UCC XXXX Part XXXX, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out XXXX now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX date opened XX/XX/XXXX balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX MA ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Government ) XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be removed immediately until the investigation is over.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries listed on my credit report. I have reviewed my credit report and noticed that there are inquiries that I believe were made without my consent or were made incorrectly. Specifically, *XXXX XXXX XXXX XXXX XXXX XXXX  *, I did not authorize this hard inquiry, nor was I notified in advance of it. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, including unauthorized hard inquiries. These inquiries have negatively impacted my credit score, and I request that they be removed immediately.

In addition, according to 15 U.S.C. 1681b, a hard inquiry may only be made if I have given express permission for it. In this case, I did not grant permission for the inquiries listed on my credit report, and they appear to have been reported in error. 

I am requesting that the companies involved review the inquiries in question and remove them from my credit report if they can not provide proof that they were authorized by me.
Product: Mortgage

We were in the Covid-19 Forbearance program. In XXXX XXXX we did an application to modify and start repaying. We called and emailed for months. No responses, no call backs, in the meantime we kept getting bills reflecting an increasing un paid balance. It took until about XX/XX/2022 to get modification paperwork. We signed it and immediately returned it. Expecting our account to be refreshed at a XXXX balance and non-default status. We have now been assigned 3-4 different points of contact, NONE call us back or answer our questions. We never received formal notice that we can start repaying and the account has been brought current ( which it has not ). It is XX/XX/2022. None of our calls are returned or emails. We tried making two payments over the phone amounting to {$3300.00} in mid XXXX These payments were NOT properly reflected on our account and we were getting weekly calls about paying by auto callers- they have no record of our payment AND they can never answer questions. They say they will tell XXXX XXXX XXXX and he will call us in 48 hours ... .he has not EVER returned a call and our current point of contact XXXX XXXX has also ignored all emails and calls. 

My account was also reflecting as over 60 days late on my credit while STILL in forbearance dropping my score tremendously and causing my bank to close my credit cards. 

WE NEED HELP AND WE NEED OUT FROM UNDER THIS SERVICER
Product: Student loan

I am on Income Based Repayment for my student loans.  I was given incorrect information over the phone, and verified this information multiple times with different people, about when the interest amount would be added to the principle amount of my student loan.  I acted based on this incorrect information, and due to that, the interest was added to the principle because I missed a deadline.  My loans are now growing at a faster rate because the interest amount each month is now greater, and my income based payment amount does not cover the interest that accrues.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy 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 the account is accurate, without providing any evidence of a ihorough 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. account XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, USAA withdrew {$2500.00} from my checking account for a teller 's check that I requested. It is roughly two weeks later and they literally have no idea where the check is other than they supposedly mailed it via USPS. They did so without any form of basic tracking, and have said that if the check is lost or stolen that they have to wait 90 days to cancel the check and return the funds to my account. 

I am honestly appalled that a bank that is supposed to be serving military families thinks it is remotely appropriate to handle thousands of dollars of other people 's funds so recklessly. 

They never let me know that the funds would be sent without any form of tracking and that I was assuming the risk that the funds could go missing in the mail without any way to rectify it before 90 days. 

The fact that someone in a position of leadership signed off on these practices shows how clueless they are in terms of the needs of military families. A new enlistee could be requesting a check to purchase a new vehicle, only for the funds to go missing and USAA saying " that's too bad. Contact us in 90 days. '' While I was personally never advised that the funds would be sent without tracking, USAA should not even let anyone consent to this form of funds transfer because they should be looking out for their customers. 

Even if I receive the check in the mail today or sometime in the next few days the entire situation is completely unacceptable. I am submitting this complaint so it does not happen to anyone else.
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.

Items listed above, have 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : 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 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 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 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 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 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: Credit reporting or other personal consumer reports

Hello, I just need this one inaccurate account be removed on my credit report from all credit bureaus record because they have reported it incorrectly. A lot of information doesn't connect, match and align with each other, thinking that youre only acquiring this information from one source or creditor. How can that meet the Standards of Accuracy if the reports from each bureaus differ from one another? 

This is the main reason why I have reason to believe that this account was incorrectly reported under my name. I never authorize any individual or entity to add this item on my file. So this must be automatically removed and deleted as promptly as possible. 

While I was scanning through my credit reports. This one particular account named XXXX XXXX with account # : XXXX. All three credit bureaus have different interpretation of each categories and descriptions : 1. Account Type - Detail > XXXX said it was a deposit related but XXXX said it was UNKNOWN and Equifax has no comment 2. Account Status > XXXX XXXX Equifax said Derogatory but XXXX said PAID 3. Date Opened > XXXX said XX/XX/XXXX but XXXX XXXX Equifax declares XX/XX/XXXX. 
4. No. of Months ( terms ) : XXXX says XXXX but XXXX and Equifax says XXXX 5. Date Last Active > in XXXX was on XX/XX/2023, XXXX says XX/XX/2023 and Equifax was XX/XX/2023 XXXX. Date of Last payment : XXXX XXXX XXXX has NO Records, while Equifax declares XX/XX/2023 Thus, I demand that this account must be deleted.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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: Debt collection

Tidewater Finance has continue to report this to the credit reporting agencies stating that i owe them this debt for a credit card from XXXX XXXX XXXX which i have never received no card nor furniture from them. I have sent in validation letters to show proof of this debt, police report, affidavits, and proof of supporting documents for myself but they have responded that everything matches and that this is my debt which it is not. I have been a victim of identity theft since 2016 and have notified the CRA about this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed. 

Under Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. 

Additionally, I am gravely concerned about the potential compromise of my personal information due to the XXXX data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud. 

The combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. 

In light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. 

I appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.
Product: Debt collection

Conns home store calls my phone every days multiple times a day from different numbers. I've asked them to stop calling me, and they still continue to call me. They call me at least 2- 3 times per hour.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit reports from companies that I did not authorize. I do not have an account with these companies and did not authorize them to obtain my credit credit report for any use.
Product: Payday loan, title loan, or personal loan

I was shopping online XXXX. Had a TV in my cart, applied at Affirm. Was approved, decided not to purchased and did not purchased the TV. Affirm has billed me and after multiple calls and letters, they still refuse to refunded my money. I've been making payments since XXXX. XXXX has tried several times to let Affirm know there is no purchase record of a TV but they have ignored their requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account number : XXXX Amount : {$200.00} XXXX XXXX Account number : XXXX Amount : {$30000.00} XXXX XXXX  Account number : XXXX Amount : {$250.00} XXXX XXXX Account number : XXXX Amount : {$98.00} XXXX XXXX Account number : XXXX Amount : {$21.00} XXXX  XXXX Account number : XXXX Amount : {$260.00} XXXX XXXX XXXX Account number : XXXX Amount : {$6100.00} XXXX XXXX Account number : XXXX XXXX XXXX {$42.00} XXXX  Account number : XXXX Amount : {$520.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are violating my rights.
Product: Bank account or service

Scottrade, CFPB, and Others, I am the mother and joint account holder of a custodial Scottrade account. I recently wrote a letter to Scottrade asking questions about the custodial account. It appears as though Scottrade did not even read the letter because rather than addressing a response to me, XXXX XXXX XXXX XXXX, Scottrade wrote the the letter and instead addressed my son XXXX XXXX XXXX XXXX and did not address the issues that I raised in my letter. 

I would appreciate if Scottrade could read and address my concerns brought by both myself and my son.