23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The company lowered my monthly payment from {$290.00} to {$50.00}, thereby extended my repayment date by over XXXX years. I am XXXX months away from full repayment, and they want to add XXXX years and collect roughly an extra {$500.00} in interest! I did not request this. This is nefarious and a desperate way to collect more interest from someone about to pay them off.
Product: Debt collection

On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report stated the following, which was furnished by Ad Astra Recovery Services , Inc. of XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, Kansas, XXXX. I proceeded to dispute the item. Upon completion of the dispute no changes were made to my report. On XX/XX/XXXX, I disputed the inquiry once again for the inaccuracy. Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate requests within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. This derogatory mark is wrongfully damaging my credit tremendously.
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX 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: Credit reporting

I am disturbed that Experian continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Experian have no right to maintain information which the government has deemed nonexistent.
Product: Debt collection

This is a complaint against Credit Collection Services ( CCS ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, for wrongly harassing me over a fraudulent debt claimed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX claims I owe {$94.00} because " Medicare has denied payment for your services '' for a test allegedly requested by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I called Medicare to learn why Medicare denied payment. Medicare said the payment was denied because the lab test " was not medically necessary ''. In other words, this doctor is incompetent. 

First, I never met XXXX XXXX, and XXXX XXXX has never been my doctor. XXXX XXXX operates under a fictitious name " XXXX XXXX XXXX XXXX '' which is owned by XXXX XXXX XXXX, a XXXX  XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Apparently XXXX has a dispute with XXXX XXXX, or his incompetent associate XXXX XXXX XXXX XXXX XXXX, who ordered a lab test that was " was not medically necessary ''. Second, I am not a doctor. I did not make a request for a medical test. If I did, that might be considered medical malpractice, because I am not trained in ordering medical tests. I wrote and called XXXX and XXXX XXXX about this debt and got no response. 

The unprofessional practices of XXXX and incompetent XXXX XXXX undermine the healthcare system in the United States. XXXX and its bill collectors including CCS have repeatedly called and harassed me for payment even though they know XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX, is responsible for the Medicare denial of payment because XXXX XXXX and his confederates ordered a lab test that was " was not medically necessary ''. 

On XX/XX/year> XXXX XXXX of CCS called me on my phone at XXXXXXXX XXXX from XXXX demanding payment from me for the debt alleged by XXXX. Enclosed is one of several debt collection letters addressed to me from CCS, this one is dated XX/XX/year> and demands {$94.00}. I have disputed this debt with CCS but they keep calling me and harassing me.

CCS should be fined, and criminally prosecuted if possible, for harassing me for this debt, which is reported to the credit bureaus. 

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

In XX/XX/XXXXXXXX  I purchased a vehicle from XXXX and essentially the engine blew up and almost cost me my life late XXXX. The car was perfectly maintained by me at the local XXXX dealership and had no reason to have any issues as it also had low miles. The vehicle was deemed a total loss and neither my insurance or the lender has done anything to remediate this issue despite my plea. Seeing that there is currently a class action lawsuit against them for this same engine problem along with the vehicle price being deemed as a loss by the lending company ( they get a tax break ) I think it is fair for them to stop reporting this account on my credit. I am finding it very difficult to get proper housing or even apply for credit cards successfully because of this debt. It has caused me excessive mental, emotional and financial stress as I could not afford to pay two car payments ( one of which for a car I do not have ) and on the verge of eviction. I have even been denied jobs and opportunities due to this being reported to the credit bureaus. It is at this point a defamation of my character and very much affecting my life and family. They also have not sent me any type of information or any type of response for investigation as I have requested. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX submitted a fraudulent response to CFPB on a complaint that I submitted in XX/XX/scrub> 2025. Clearly, the representative at the XXXX XXXX XXXX XXXX did not review the full complaint or see the documentation that was attached. In fact, XXXX has continued to have a late payment comment placed on my credit report. I spoke with the woman who responded to the most recent CF0B complaint that I submitted on XX/XX/scrub> 2025 ansld she is clearly aware she submitted a false statement to CFPB and that there is correction that is needed on my credit reports. This is now the fourth complaint that I am submitting against XXXX. I am demanding that you all remove the late comment. As I have continued to furnish proof that it is still existing on my credit reports if this is not done bye. XX/XX/scrub> 2025, I will be filing a civil complaint and seeking punitive damages. As you all have already admitted that the information should not be there. Yet you all have taken no action to remove the comment after nearly 3 years. This is unacceptable. XXXX has made no effort to contact me or genuinely resolve the matter.
Product: Prepaid card

I would like to report fraud on my account. I lost my card several months ago and it was locked and a charge for {$94.00} was made by synchrony bank. I want to report this because I did not authorize this transaction and I also want to be reimbursed for the charges that were made fraudulently. Thank you. I was charged XXXX on the XXXX day of XXXX of XXXX, XXXX  by Synchrony Bank at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a fraud complaint with XXXX XXXX and XXXX. The following account listed doesn't belong to me. 

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

I have been complains to Bank of America for 6 months. They have fraudulently charged me for XXXX XXXX dollars!!!!! They do nothing!!
Product: Student loan

We ( my son & I - as co-signer ) have XXXX loans w/ Sallie Mae XXXX 
Last month - they took the XXXX payments sent ( XXXX check for each loan ) and applied them both to the same loan. In their system - this triggered a 'Late Payment ' on the XXXX loan that received 'no payment ' and started an incessant series of phone calls to both my son & I. 

Their error was pointed out to them within a week and - despite the promise of the error being corrected on their end.. the phone calls kept coming ( XXXX - XXXX calls per day.. to both of us! ) Two weeks later.. we were still getting the calls and the payment error ( that THEY made ) had still not been corrected. 

I call again ( I 've now been on the phone with these people for over an hour ) and I finally get an assurance that the error will be will fixed within 24 hours ~and~ that the calls will stop. 
The error is fixed ( although it takes 3 days to do so ) - but the calls continue until their system shows the payment corrected. 

Now - just a week after THAT issue is cleared - I just found out that they did the same thing to the most recent payment ( s ) ~and~ I was charged a 'late fee ' on the account that THEY screwed up last month! 

I am now faced with, yet another, unending series of calls and - as I told them during the last phone call.. I consider these calls to be Harassment! 
Aside from filing a complaint with ConsumerFinance.gov - do I have any legal recourse against them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Transunion and all of the places listed on my report to get the hard inquires removed. I am aware that there was a server breach during these dates and the hard inquires were removed for a time and then put back on. I also am aware under section 6-11of the fair credit reporting act that the consumer is required to be notified within 5 days and I was not. The following hard inquires continue to remain on my credit report : XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXXXXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX
Product: Checking or savings account

Please contact COLUMBIA BANK about my checks that were not only NOT CREDITED, but also, NOT APPLIED TO MY ACCOUNT payable to them in the first place. 

In addition, since I believe that these UNQUESTIONABLY and UNCONSCIOUS mishandling in regard to me and my account which has brought a huge cost on my own credit ratings, I wish to have this bank audited. 

This is NOT an isolated incident. If they have done this to me, they are doing this to other clients that have accounts with them. If this series of events dictates that you launch an investigation and lawsuit against COLUMBIA BANK, I will be willing to support you in such and provide any and all verification of my accounts and communications with COLUMBIA BANK to assist you in your investigation, should you want to ask me to provide them.. 
Sincerely, XXXX
Product: Debt collection

i am unaware of this debt. i did not have the opportunity to dispute this debt. 
portfolio recovery has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. if in fact that you believe i received proper notification, please provide the certified mail with a receipt with my signature on there stating that i received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate and so much more. This grounds for removal they also violated my rights under 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 Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : CXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX ( XXXX removed XXXX XXXXXXXX XXXX due to inaccuracies ) Account name : XXXXXXXX XXXX  Account # XXXX ( XXXX removed XXXX XXXX XXXX due to inaccuracies ) Account name : XXXX ( XXXX and XXXX have it has XXXX ) Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Also the credit bureau took more than 30 days to complete my investigation , here is my complaint ID # XXXX opened on XX/XX/2022 and company responded on XX/XX/2022
Product: Money transfer, virtual currency, or money service

I initiated XXXX disputes with XXXX XXXX XXXX XXXX XXXX  regarding failed transactions on my Wells Fargo Visa XXXX XXXX for a pilgrimage package booked through the XXXX XXXX platform. Despite properly following dispute procedures, Wells Fargo has failed to provide a response or resolution for over a month. 

Dispute Details : Claim Ref 1 : XXXX Transaction Date : XX/XX/year> Amount : {$XXXX} Claim Ref 2 : XXXX Transaction Date : XX/XX/year> Amounts : {$XXXX} and {$XXXX} Total Disputed Amount : {$XXXX} Summary of Events : I booked a pilgrimage package through the XXXX  XXXX website, which required full upfront payment. 
My booking was not accepted, and I was instructed to request a refund. 
I initiated a withdrawal request, but despite multiple follow-ups over the past XXXX months, the funds remain on hold with XXXX XXXX and have not been refunded. 
I provided Wells Fargo with extensive documentation, including : Bank statements showing the charges Confirmation receipts from XXXX XXXX Emails from XXXX XXXX confirming the refund request Correspondence confirming that the funds remain on hold Wells Fargo has failed to respond or resolve my dispute, despite the fact that I successfully disputed a similar transaction with XXXX XXXX, which was refunded.
Product: Credit card or prepaid card

On XX/XX/19 I was charged {$52.00} from XXXX ( XXXX XXXX XXXX ). This charge was fora RENEWAL of XXXX XXXX which I cancelled with them last year in XXXX. When I contacted XXXX directly they said they can't even find my transaction so my next step was to contact Discover. - I have attached the email exchange between XXXX and myself. 

I used their Chat feature on their app and it was clear they were not even attempt to understand the issue. I kept explaining that the XXXX company could not even find the charge so I ws not sure how I can work it out with them when on their end they don't see the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from XXXXXXXX and XXXX. I do appreciate Equifax responding to some of my concerns but there are still some inaccurate items that need to be resolved.
Product: Vehicle loan or lease

I was denied an extension of my own credit, by CARMAX and XXXX XXXX XXXX back in about mid XXXX. This Adverse Action is due to them demanding an illegal down payment on a consumer credit transaction after taking my SSN # and processing as well as approving my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Im writing this complaint in regard to an unauthorized transaction of 1500.00 that was sent from my square account to user XXXX XXXX XXXX. I was a victim of Phishing and identity theft, someone accessed my account. My email address was compromised and this person accessed my accounts and sent unauthorized transactions. This was my rent money this scammer stole my money and I was unable to pay my rent now I am facing eviction, I wrote to a representative of square on the apps chat messenger and they refused to investigate what happened and refund me my money. They told me that the money came from my bank account but it didn't it came from square balance. i need someone to investigate this matter it is alarming that square allows scammers to use their platform.
Product: Credit card or prepaid card

I initially received an Old Navy store credit cards several years ago. At the time I opened my account, I managed my account online using the username : XXXX. My account was then transferred to a Visa issued Old Navy card. My store credit card account was closed. My Visa issued account was maintained and managed through the username XXXX. I have always paid my account online and relied on online access to view my account. In XX/XX/XXXXof this year I reported my card lost and was issued a new card, but was still able to access my account via the username XXXX.
On or around XX/XX/XXXX, I attempted to access my account to make a payment. I logged in using my username XXXX and the information regarding my Visa account was gone. I did not receive a paper statement. In fact, I received an email indicating my statement was available online using my login, which was false. I contacted Old Navy using the online chat service and was told I no longer had access to my account. The explanation being only one account could be associated per username. I asked why my active account would be removed and not my closed account. I asked them to resolve this issue and was provided no assistance. On XX/XX/XXXX, I again received an email notification to access my statement online. On XX/XX/XXXX, I attempted to access my account online and again found no information regarding my account. I was given no explanation as to why I had not received a paper statement if my online access was blocked or why online access to my account had been removed. I was given an ultimatum that the only way to make a payment - despite not receiving a statement - was via the phone.
Old Navy 's acted in way that was fraudulent by removing online access to my account in effort to collect late fees and increased interest charges ( due to an increase balance ) that would otherwise not be entitled to. They removed online access without warning and explanation and failed to remedy the situation such that I received paper statements in the mail. They knowing impaired my ability to review my statements and make on time payments.
Product: Debt collection

I dont recognize the company of XXXX XXXX XXXX that claims I owe {$68.00}.
Product: Money transfer, virtual currency, or money service

Ok on XXXX XXXX a transaction occurred for the amount of $ XXXX $ XXXX $ XXXX {$100.00} back to back in that order, So what I did was contacted a online gaming app that didnt or couldnt even tell me what was going on. I then contacted CASHAPP and reported the issue and they told me to contact the merchant which I already did so I filed a dispute and got denied the next day and disputed it again because I had to pay bills and was short by o lot. The next time was XX/XX/year> which was for the amount of {$220.00} from a gas station ( XXXXXXXX XXXX XXXX ) and I called and showed up at the establishment in was told i had to speak to a supervisor who never contacted me. I waited for the transaction to clear and then I called Cash App and basically the same thing happened to me. They denied me in one day and Ive never heard of it again ever since then Ive been evicted from my place of residence because of late payments. There is a lot more transactions also and I have screenshots of conversations basically proof they didnt care to help me
Product: Credit reporting

There is a credit enquiry from XXXX that I did not initiate and that the credit reporting agency refuses to remove
Product: Credit card or prepaid card

I had fraud complain it was resolved in my favor when i went ot get refund balance on my account it was reversed Hi i have had fraud hit my XXXX XXXX credit card new card number is XXXX since XX/XX/XXXX i have been requesting a reffund check it was approved by fraud investigations dept to be mailed out and every time it was approvex the same dept disapproved it afterit being approved XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX on XX/XX/XXXX i was rebiled all fraud charges from almost a year after being promised that it was resolved in my favor over ten times. without notice no phone call the day before of the last request promised no shadow of doubt it was already mailed already mailed i w was rebilled and now am showing i owe a XXXX balance on my accunt and i was rebilled over 2000 dollars wiht no explanation and i had real fraud hit my account and i will not accept a reversal a year later because they did not want to give me my refund they said nothing for 7 months until i requested a refund.I was tldthe check was mailed and lost in the mail on XX/XX/XXXX by customer service but it seems nobody documents anything, i was told it was definetely mailed wait 15 days, now boom rebilled I will followup with the FTC and consumer finance i will not stop they are crooked and dont know wha tthey tell their customers nobody in thier dept are informed or trained either. The direct address to fraud analyst dept is XXXX XXXX XXXX, XXXX fl, XXXX, and phone XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I was unable to see all three of my free credit reports from XXXX XXXX XXXX. I was only able to view my XXXX  credit report when the site froze up. I could not refresh or go back. This was for my free annual credit check. Now, I have to wait a year to see my credit from the other two bureaus. Absolutely, this site is a scam.