23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. These inquiries were not authorized Please provide me validity of the inquiry. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Mortgage

I have had a very difficult time with Wells Fargo. I have tried and tried to save my home through a modification program. I did receive a modification program earlier. I tried to make my 3rd trial payment at the Wells Fargo bank and the teller would not take the payment. This caused me to go back into foreclosure. Over the past 6 months I have been trying to resolve this problem. I did not receive much help from the reps at Wells Fargo. Every time I sent my paper work in, they would lose it and I would have to resend. I would like to avoid a foreclosure.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Debt collection

I was in XXXX  at the time this account was originally open and gave no permission for no one to open accounts I have reach out to all credit bureaus told them it was identity theft and still nothing done
Product: Credit reporting or other personal consumer reports

My account with SELF/XXXX XXXX XXXXas never late! I have had exceptional payment history witH SELF/XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>2022 to XX/XX/year>2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

SELF/XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 U.S.C 1681 Accounts # 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. 
15 U.S.C 1681s-2 A a person shall not furnish Any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Product: Credit card or prepaid card

I sent my husband to the store to buy a prepaid Visa gift card so I could purchase prescription glasses online because my current pair were crushed. Instead of picking up a VisaVanilla gift card, the one I usually use for online purchases, he picked up a MyVanilla card. It's personalized, which I don't want. It's reloadable, which I don't want. Instead of a one-time purchase fee, it has a one-time purchase fee, a transaction fee, a balance inquiry fee, a withdraw fee, a statement fee, a inactivity fee, a replacement card fee, a transaction declined fee, and a balance liquidation fee. This is not at all the card I wanted. I needed a one-time use, then throw away card. There is only {$50.00} on the card and that entire amount is going to the company I am buying my glasses from. Not only do I have to wait for customer service to respond to my complaint, though it is my husband 's mistake, I have to pray that I can transfer the balance onto a VisaVanilla card, then wait several days to get it in the mail, unless they have a virtual card that I could transfer the balance to. Then I still have to place the order for my glasses and wait a couple of days to receive in the mail. The entire time having horrible eye sight that prevents me from driving, so I am out of pocket and out of work for at least a week. I am very limited on funds and put what I had on this card. I have no options. Any time or help put towards this matter is extremely appreciated. Thank you in advance. Have a blessed weekend.
Product: Credit card or prepaid card

I purchased a couple of flights on XX/XX/XXXX to and From XXXX from two airlines who ended up going through Financial Insolvency ( XXXX XXXX and XXXX XXXX ). The amounts paid were {$420.00} and {$380.00} respectively. 

Once I learned about their insolvency, I tried to contact the airlines for a refund but wasn't able to reach anybody. I decided it would make sense to book two different flights since the Terms of Service of the credit card state that the original purchase would be covered and I would be getting that money back. 

The Terms of Service of this credit card as well as their own website list Financial Insolvency as one of the events covered under the travel insurance they offer : https : //www.chase.com/card-benefits/sapphirepreferred/travel Upon contacting the company to file a claim, they told me they do not cover Financial Insolvency and refused to help me submit a claim. I called back to talked to a different rep and they had the same answer.
Product: Credit card or prepaid card

I opened a Capital One credit card in XXXX of XXXX. I saw an offer online and I applied for the card. Thankfully I was approved. Being that I did this online I set up payments electronically. For some reason after I began to use the card, during the first payment cycle I tried to make a payment online but they denied me access. 

After calling to find out why they said I had to verify my information again. By this time a few cycles had gone by causing late payments. This was never due to not having the funds but simply because I was denied payment. 

The date of the late payments are from XX/XX/XXXX to XX/XX/XXXX. 

Since then I have been granted access to my account and have paid on time ever since. 
To top it off this is the only negative payment history reflecting on my report. I take my payment history very serious. Please help me in requesting a good will adjustment in reversing or removing the late payment history from all my credit reports.
Product: Student loan

In XXXX of XXXX, Sallie Mae marked a student loan that I co-signed for as 60 days late. I did not receive any written notice that this payment was late. When I tried to dispute the claim they said they contacted the individual ( my ex-sister in law ) who was making the payments. Once I found out this was issue, I paid the loan in full immediately. This is now adversely affecting my credit score to no fault of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has repeatedly refused to delete the fraudulent address of XXXX XXXX XXXX XXXX. They have also repeatedly failed to respond to my certified USPS mail request to disclose their method of verification process as required by the FCRA. As such, the fraudulent account should have been permanently deleted from my credit file as it is negatively impacting my credit worthiness. 

PLEASE DELETE NOW!!!!
Product: Mortgage

I signed a final loan closing on XX/XX/year> and the loan term stated I was to received XXXX at closing and the closing costs would be XXXX. I closed on refinance loan on XXXX My loan closing was supposed to be at XXXX XXXX XXXX from title company called and ask if we could move time up, because her heating unit at her house was broken and the repair man was coming at the time we had scheduled. I agreed to time change. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX arrived and reiterated she was in a hurry due to home maintenance issue. XXXX XXXX rushed me through the signing. I was under the impression I would get a copy of signed documents at the end of closing. When I asked for my copy of closing documents. She informed me I need to get them from lender. I called lender and was told I had a 3 day waiting period and could not get final closing paper until after XX/XX/year>. I did not get closing papers until XX/XX/year>. That is when I discovered the amount to borrower and closing cost had changed.I contacted XXXX XXXX XXXX and was told they had my signed statement from loan closing that terms had changed. I informed them I wasn't aware due to being rushed during signing and not receiving final copy at closing. XXXX XXXX XXXX informed me they had my signature and therefore no fraud was committed. I informed XXXX XXXX XXXX if I had been aware of the terms changing from XXXX XXXX  final loan disclosure the loan would have been rejected. I feel like this was fraud committed upon me. I am a XXXX Veteran and this ordeal has aggravated my XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing 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, XXXX '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. XXXX ) against them for similar violation. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to seek your assistance regarding a debt associated with LVNV Funding LLC that I firmly state this does not belong to me. This is an energy company based in Texas, and I want to clarify that I have never lived in Texas or had any dealings with this company. I reside in California. 

Despite reaching out to XXXX XXXX  on multiple occasions, including today, XX/XX/2025, I have not received any satisfactory solutions to this matter. I have requested cessation of all activities related to this debt, as it is adversely affecting my credit score.

Additionally, I have not been provided with any documentation or proof regarding how this account was opened in my name. It is crucial for me to resolve this issue promptly to mitigate further damage to my credit reputation.
Product: Debt collection

This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt they claim from nearly 2 years ago. They only sent me a bill at the end of XX/XX/2018 and demanded payment. 

I have asked repeatedly, on the phone and 4 times in writing for the company to provide evidence and verify the bill is actually due. They have refused to provide any of this documentation. 

In addition, XXXX XXXX XXXX, violated the FDCPA multiple times by continuing to send me threatening letters and now sending me to a collection agency, simply to punish and abuse a XXXX patient into paying a bill they refuse to verify it is due. I have sent them 4 times in writing that I contest the bill and requested they send documentation. They continue to refuse and say a bill with no description is all they have to do. 

My XXXX at XXXX XXXX has stopped using XXXX for his patients as a result of their collection tactics and how they are treating XXXX patients. 

I want these illegal collection practices to stop immediately. XXXX XXXX XXXX needs to verify ( per FDPCA law ) that this bill is due. They have not but continue to threaten me.
Product: Debt collection

XXXX XXXX apartments in XXXX, Md sent our account for damages to an apartment directly to a debt collector. We received NO bill and had no chance to dispute or discuss any charges! 
The debt collector called me and threatened to ruin my credit and to pay my bill NOW! 
Move out date was XXXX XXXX. 
I was actually out of the apartment in XXXX because my roommates changed the locks and the apartment complex would not help me to get a key or my possessions! I called them several times and they told me to take them to court! Im a college student and dont have money for court! 
The collection agency is FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX The apartment complex is XXXX XXXX Apartments XXXX, Md XXXX
Product: Credit reporting

I have a hard inquiry on my credit reports with all XXXX major agencies from a comapny called Corelogic Credco. I have no knowledge of this lender nor did I give any authorization for them to run a credit inquiry on my behalf.
Product: Checking or savings account

Since i started this account with Huntington I have received over {$1700.00} in fees. The account was opened in late 2021. 

In additon to the overdraft fees, they have charged me returned check fees, real time payment fees, international fees, " extended overdraft fees '' when it extended too long for them, too many transaction fees, etc. 

This is coupled with the fact that there is not an option, no way to stop transactions from coming through if there isnt money in the account. This type of account they said " doesnt permit '' me to stop any transactions from coming through that create an overdraft. The screen for overdraft options is blank for this account. So i literally cant stop it and they will keep charging me. 

Ive called them multiple times about it and they wont help me and wont stop transactions from going through. Now the interesting part is they say they " cant '' stop them but if the account goes over roughly {$3000.00} in the negative everything is stopped. So they can they just wont stop it. 

Also they chagre me a fee when theres an over draft and then they charge a fee to return the payment? So what is the overdraft fee for? Its not paying for the transaction when they send it back?
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to know why the elderly are being penalized for not having debt, in that their credit score declines as they choose to live debt free. 

My XXXX year old brother in law tried to have his mortgage lowered, ( a mortgage that was written illegally in XXXX XXXX, and they said, unfortunately we see low credit scores pretty often with older people because they dont have debt. 

How is this allowed to happen? 

I would like to request someone with the power to do so have a large discussion about this. Being debt free for someone born during the depression is supposed to be a positive thing, and to be punished via a low credit score is XXXX. 

For what its worth.
Product: Checking or savings account

I bought tickets for a concert that was supposed to happen in XXXX, however, a refund was not offered until XXXX. I was supposed to get a refund to my original form of payment from XXXX around XXXX XXXX and they supposedly sent me a refund to my bank ( Bank of America ) . I never received a refund and was in constant contact with both XXXX and BoFa about the whereabouts of my refund- at one point, XXXX gave me an XXXX, which should have been able to locate my refund. Still, BoFa stated that their companies use different systems so the numbers meant nothing, and IN ADDITION TO THIS, did not have any record of the card I used for the purchase. However, I have records of me using this card and the bank statements that reflect this card 's connection to my bank account. After making this note, both BoFa and XXXX stop responding to me for months. Fast forward to XXXX, I call BoFa again and they are able to use the ARN. However, they still refuse to give me a refund because it was past a year since the purchase. 
This does not make sense because I was never offered a refund until MORE THAN A YEAR AFTER the purchase. In addition to this, XXXX states that if the original card was to no longer be in service, the refund should still go through as long as the card is connected to the bank account. Therefore, I should have gotten a refund in XXXX XXXX since the same bank account used for the original card ( now expired ) still is in use today. However, BoFa is refusing my refund on the terms that it was over a year ago. They're holding my money illegally and I demand my refund back. There is a lack of proper documentation on BoFa 's side and they refuse to show documentation for the whereabouts of my card and why it is no longer connected to my account. They also refuse to show documentation of my refund and the ARN number ( which should lead back to my account for a refund! ). I have all the proper documentation, yet BoFa still refuses to refund me properly. A refund to my checking account should not be an issue, especially when there is a withdrawal confirmation of that same amount from when I bought the tickets. If I was able to buy tickets from this account, I should have my money back into the same account.
Product: Credit reporting or other personal consumer reports

The following inquiries were done fraudulently in my name due to my XXXX being exposed in a data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX, I initiated an appeal concerning late fees and administrative fees imposed by XXXX. During this process, XXXX informed me that it could take up to 60 days to dispute these charges. In an effort to address the matter, I also reached out to the ombudsman via email. Unfortunately, without my knowledge, the appeal was forwarded to a collections agency PAM ( professional account management ) - XXXXT XXXX XXXX XXXX XXXX, New York XXXX in XX/XX/XXXX. To date, the collections agency has not provided any evidence of the debt, nor have they made any attempts to contact me regarding the matter. Despite my formal request for a letter of validation on XX/XX/XXXX, I have not received any correspondence from them, which has now exceeded a six-month period. The unresolved situation is severely impacting my ability to register my vehicle and is significantly disrupting my life.
Product: Debt collection

For some reasons, my mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing on XX/XX/2020. My bank account was charged that month by both companies ( XXXX XXXX and Shellpoint Mortgage Servicing ) as they couldn't manage to properly cary over the automatic paiement settings that was in place. That created lots of confusions around the status on my paiements and Shellpoint Mortgage Servicing opened an investigation that is still pending. 
While we are all waiting on the result of that investigation, they keep reporting a debt on my account which hurt my credit very badly, affecting my family and my business reputation.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX