23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Navy Federal Credit Union ive been a member since XXXX and have constantly been a vitcim of overdraft fees and return check fees for funds I know I had available XX/XX/XXXX my card was compromised and I was penalized {$300.00} dollars
Product: Payday loan, title loan, or personal loan

On XXXX XXXX 2015 I paid Wells Fargo Bank a personal loan in its entirety. A few months later a got on my credit report a negative delinquency status about this same loan. According to the bank, I failed to pay a small balance that I never received a bill for or any type of communication after I paid the loan 100 %. When I learned about the negative credit report reported on me by Wells Fargo, I immediately contacted them and I was given a fax number where I should send a complain and a full explanation. I did sent a fax not only once buy twice after not hearing from anyone at that bank. 

The last thing I did was to sent the same communication I have previously sent via fax but this time I did overnight it and still nothing happens with this people. Meanwhile, my credit records has been damaged by this situation.
Product: Checking or savings account

On XX/XX/19 at XXXX I attempted to withdraw {$1000.00} from a JP Morgan Chase Bank N.A . ( Chase ) ATM. Due to a error of the ATM, no cash was able to be dispensed, however a receipt was produced clearly showing my account had been debited {$1000.00} ( {$1000.00} withdrawal + {$3.00} surcharge ) with a message of " We aren't able to give cash right now. Please call us at XXXX ) ''. After a brief call with Chase, where I asked them to reverse the transaction as their ATM was unable to dispense the requested cash, 3 separate operates told me they were unwilling to help due to the reason I do not have an account with them. When I repeatedly ask them to reverse the transaction they continued to reply that I would have to contract my financial institution to start a claim to get the the transaction reversed. After discussing this situation with my bank they were able to submit said claim but inormed me that it could take up to 10 business days to reverse this transaction. When I asked them if Chase is able to just reverse the transaction, they stated that Chase has the ability to instantly reverse these types of errors, however they force other Banks to do it instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving notices on my credit score from a JP Morgan Chase credit reporting app that is stating I made 6 late payments even though I have never missed a payment or accrued interest. I believe my credit score is misrepresented and I desire a dispute to have this misconception amended and my credit score brought up. 

Further, I am receiving many more credit inquiries than I have agreed to. For example, XXXX XXXX sent me a card saying I was preapproved, so I agree to have the card and they made a credit inquiry and did not send the card. I have seen similar tactics from XXXX XXXX  and JP Morgan.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  account status is inaccurate. This account was opened XXXX of XXXX and closed XX/XX/XXXX. The vehicle was totaled in accident a month after first made payment. It's reporting charge status XX/XX/XXXX. There is no payment history. This account was paid off due to settlement from car accident. This account is not derogatory or negative. FCRA states all information has to report accurately. There is no payment history the car was total in accident. I have proof of the inaccurate reporting for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filled a dispute on the following accounts : XXXX XXXXXXXX & CREDIT ACCEPTANCE CORPORAT : XXXX According to Laws 15 USC 6802 : Financial institutions can not disclose nonaffiliated consumer information unless they provide a notice to the consumer, allowing them to opt-out & 15 USC 1681b : Defines permissible purposes for accessing consumer credit reports, such as for credit, employment, or insurance. & 18 USC 1028A : Criminalizes producing or using false identification documents without lawful authority My rights are in CLEAR Violation. 

I requested they immediately cancel, discharge and remove this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! This is stopping me from being able to purchase a home. XXXX has not attempted to remove, nor correct any information.
Product: Credit reporting or other personal consumer reports

Please correct this immediately. It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian Information Solutions XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? US BKPT CT FL XXXX XXXX BankruptcyXXXX Discharged XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In 2007, I was a victim of identity theft. As a result, the IRS charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the IRS reported the tax liens to the XXXX credit bureaus. After several years of disputing the debt with the IRS, and with the help of the IRS Advocacy group, the IRS conceded that I did not owe the debt and removed it from my file. However, they refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get the bureaus to remove it, but because its the IRS, they do n't want to do it. I finally called the IRS Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force the IRS to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at one time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to you regarding a concerning issue with my PayPal account.

I recently discovered that my PayPal account has been permanently restricted without any apparent reason. I have attempted to contact them multiple times via phone to understand the grounds for this restriction and to request the restoration of my account.

Regrettably, despite my numerous calls, I have not received a clear explanation for the restriction, and no measures have been taken to reinstate access to my account. What adds to my concern is that funds have been deducted from my PayPal account without any apparent justification or authorization from my end.

I want to emphasize that I am a responsible user of Paypal 's services and have not violated any of the terms outlined in PayPal 's user agreement. Consequently, I am unable to carry out normal transactions, and I am facing financial losses due to this unjustified restriction.

I hereby request your immediate intervention to resolve this situation. I expect a detailed explanation for the restriction of my account, as well as concrete steps for its full restoration.
Product: Mortgage

I had my loan with Citimortgage for many years and never missed a payment of was late. We have a XXXX XXXX loan 30 year fixed 5 % and when the rates went down I applied through Citimortgage for a refi. We were told no income varification or appraisal would be required and it was to have no fees charged. It would have saved us quite alot of money in monthly payments and over the life of the loan. As the refi was being processed Citimortgage sold our mortgage to XXXX now XXXX and which I learned only as the Citmortgage refi broker was looking at our account and watched it disappear off the screen. He filed a complaint with his supervisor that we were in the middle of the refi process and his complaint was denied. Now we are with XXXX, have not had the opportunity to refi as they say they can not honor the Citimortgage deal, and the services is atrocious. We do not want to do business with them and have had no choice. How is this possible that the consumer can not chose who they do business with on the most major purchase of their entire life, the mortgage of their home!!??? Outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found grave error with TransUnion, XXXX and XXXX reporting to my consumer report as late, missed or charged off, because of thus I am being discriminated against to extent my credit. Account are : XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reporting as late or missed payments. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are reporting as charged off, these accounts where never late or missed a payment I have repeatedly requested TransUnion, XXXX and XXXX to validate these account and updated accounts.
Product: Debt collection

MERCHANTS & MEDICAL CREDIT CORPORATION INC AT XXXX XXXX XXXX XXXX, MI XXXX HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF {$98.00} THE COLLECTION HAS BEEN REPORTED AS A PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ....
Product: Debt collection

In response to your response of We appreciate the opportunity to respond to this complainant. A review of our records reveals an account that may belong to the complainant. The name is a partial match ( 2/3 ) perhaps maiden name used, but the address does n't match. The account was placed with us in XX/XX/XXXX and a collection notice letter was mailed to the account owner. To properly review our records we will need the complainant to confirm the address used during that time period along with her date of birth and/or social security number. Upon receipt of this information we will complete our investigation of the complaint. 

My Name Is XXXX XXXX. The account must be under my maiden name ( XXXX ) You claim to have had this debt since XX/XX/XXXX but yet you placed it on my credit report between XX/XX/XXXX-XX/XX/XXXX? Again as a consumer that 's protected under the FRCA i would like to be able to use MY rights and dispute this account. It needs to be removed while i am requesting debt validation from this agency. I am requesting proof of this debt and a medical release form.
Product: Debt collection

Received a call XX/XX/2018 at XXXX XXXX stating they were attorneys attempting to collect a debt and stated that I was on a time limit and if I did not act that I would be taken to court. I stated that I am unable to pay balance due to not working. They insisted I owed I requested they mail out information on debt. they stated they dont do that.
Product: Credit card

As the XXXX I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 

XX/XX/2023 Discover was noticed of new stipulation as the XXXX. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX a notice of tender was sent RE XXXX XXXX XXXX XXXX XX/XX/2023 Payment was tender with {$21.00} money order RE : XXXX XXXX XXXX Money order was redeemed with instructions to use for special deposit on acct. 
The money order was put into general deposit commingling funds. 
XX/XX/2023 statement of discharge was sent RE : XXXX XXXX XXXX XX/XX/2023 a Debt Assignment by XXXX was sent RE : XXXX XXXX XXXX XXXX XX/XX/XXXX a final statement of discharge was sent XXXX : XXXX XXXX XXXX XX/XX/XXXX A rescission of signature was XXXX RE : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 2023 Exoneration from debt was sent cert mail # XXXX The debt amount is {$2300.00} To date Discover has not responded to any notices or rebutted any notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for validation to 2 collections on my credit report which is sprint and XXXX XXXX. XXXX is represented by XXXX  XXXX XXXX and XXXX XXXX college is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps. 
I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX **** XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX is still showing Alloy financial on my credit report its been on my report for XXXX plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Equifax Investigation Practices , Derogatory Accounts, and Inquiries Dear Consumer Financial Protection Bureau , I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accounts are 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, Equifaxs 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. 

In support of my complaint, I am including details of the derogatory accounts and inquiries listed on my Equifax report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; reported by grantor These accounts reflect closed accounts marked as derogatory due to charge-offs and collections, which have negatively impacted my credit report. 

Recent Inquiries on My Equifax Report The following are inquiries that appear on my report, many of which I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Continue listing inquiries as appropriate. ] These inquiries have further compounded the damage to my credit and raise concerns about unauthorized or erroneous entries. 

Action Requested I request that the CFPB investigate Equifaxs practices regarding their obligation to thoroughly investigate disputes. Additionally, I ask for assistance in reviewing the accuracy of the derogatory accounts and inquiries listed on my report. I am seeking resolution to ensure compliance with federal laws and to have my credit report reflect accurate and verified information. 

I appreciate your prompt attention to this matter and am happy to provide additional documentation if necessary.
Product: Debt collection

They seem to be phishing for private information by claiming false debt. They emailed claiming I had debt on an old phone service I don't even use anymore and paid off long ago. I do not owe any debt but they claim I do. They sent an encrypted attachment that I won't open in case of malware or virus.
Product: Student loan

firstly, I never remember taking out a non-federal loan with anyone while in XXXX schoolbut they said it is private so I guess I have to believe them. I have refinanced all of myfederal loans into one payment that I can afford. They started calling me about these and Ihad no idea what I would do. They worked with me at first and gave me low payment that I could afford then the servicer changed from XXXX to AES. The amount doubled and when I asked why they said something about interest and said next month would be lower it wasn't. The next month they called and said it was a temporary plan and this was my new amount. No one in customer service seems to know what they are talking about. I asked if I could refinance this in my federal loan since AES services federal loans and they said " no '' then I explained that I am paying my other loans and have a child and have had to take money from savings to pay the last 2 months. I can not continue to do this- I simply do not have the money and I work 2 jobs. If they can not do something to help me I will have no choice but default. Last year when I did not know I owed them they had a 3rd party  collection agency call me multiple times a day wanting to know when I would be making a payment. They really do not understand the concept you can't get blood out of a stone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I were accused of two charges from a Person who does not match my legal name, age or and other specific identifications. My driving record and any other record is clean. I have never been indicted for anything. I work for the XXXX as a XXXX  and XXXX. With a XXXX XXXX ( I will not be able to have if I were charged ). I put a dispute in with Corelogic. The management company for XXXX XXXX   located in Maryland.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the problem I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.I pulled my credit report from XXXX XXXX  On XXXX I mailed a certified letter to all 3 credit bureaus, XXXX, XXXX and Experian. 30 days after they received that letters they did not update or delete the accounts. On XXXX I sent another certified letter to all 3 bureaus again asking them to do another reinvestigation on the same accounts and again the accounts were not updated or deleted. 

Here is a copy of the original letter I sent out on XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian, XXXX and XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX  # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, Experian reports date XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date of Last Activity : XXXX reports XXXX, Experian reported XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date Of Last Activity : XXXX reports XXXX, Experian reports XXXX Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove from my credit report this was paid as agreed was close on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to view my credit report and score from Equifax using XXXX on XX/XX/18. XXXX told me Equifax has a block on it to contact them. I contacted Equifax and they sent me to Consumer Affairs. Consumer affairs told me I can not ever see my credit report or score online. They can send me a paper one in the mail only. They could not give me a reason why. I never reported a fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  GEORGIA XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX