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

I received a text message from Randolfph Brooks Federal Credit Union that a transaction in the amount of {$1600.00} had been approved to clear on the morning of XX/XX/2023. I waited until the bank opened and reported that an authorized transaction had been made to my checking account in the amount of {$1600.00}. The credit union representative contacted the fraud department and she informed me that the amount was taken out by an electronic check and the credit union was unable to reverse the payment therefore I would have to file a fraud complaint. I filed the complaint and closed the checking account and opened up another one with a different account number. The RBFCU fraud department has contacted me on several occasions asking me to tell them what happened, they have required me to sign an affidavit and a police report ensuring me after all this is done the money will be returned to my account. Today is XX/XX/2023 and I just read an email from an individual by the name of XXXX XXXX informing me that the credit union will not be refunding my money because the XXXX XXXX XXXX XXXX  was correct this is a civil matter and I should take it up with the local court jurisdiction. I never asked the credit union to act on my behalf as a mediator or to decide to involve themselves in my personal business matters of who, why and how I owe a creditor. I asked them to stop payment on an amount of {$1600.00} that was taken out of my account without my authorization. An unauthorized transaction is THEFT. I am unable to pay my mortgage an other bills that I am responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a telemarketing call in  XXXX   XXXX  selling magazines, which was recorded, I refused to take the subscription when I was told the price and refused to provide my billing address. On  XXXX   XXXX ,  XXXX ,  Interstate Recovery Service  called me to collect a debt, stating they mailed a letter on  XXXX / XXXX / XXXX , which I did not receive, advising of the debt. I spoke initially to  XXXX  and relayed that I did not purchase the subscription, had never received a bill or any magazines and did not owe the debt.  XXXX  told me that this would be a refusal of payment and proceed to further action. She would only give me the name of the original creditor as "  XXXX ,  XXXX  '' and no contact information. I came to this website for further information and called  Interstate Recovery Service  back to obtain their contact information to formally dispute the debt in writing. I spoke to  XXXX , I was told that I could not dispute the debt because there was a recording of me accepting the debt, I explained that I refused the offer when I was told the actual price and did not give my payment information. After being placed on hold,  XXXX  finally gave me the mailing address of  Interstate Recovery and verified the Tracking Number  of  XXXX .  XXXX  told me that they would still be pursuing the debt since I refused their offer of settlement of {$780.00}.   The total amount of the debt is {$1100.00} for magazines I never received or agreed to purchase. I again explained do not owe this debt and therefore would not pay for something I did not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing with Equifax on an existing debt collection account ( XXXX XXXX ) that they keep reporting. XXXX   and XXXX  have deleted this account due to unverifiable documents while Equifax continues to respond that the account is verified. I've disputed online and and recently via mail. How can Equifax continue to tell me this account is verified when no documentation has be sent to me and the other two bureaus immediately deleted the account due to unverifiable documents?
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

all 3 major credit bureaus have been furnishing incorrect information on my credit profile. the following accounts have been added to my credit profile unlawfully as they do not belong to my name.MY NAME IS SAID XXXX, SOMEONE ELSE WITH SIMILAR NAME OR FRAUD INTENTIONS HAVE OPENED UP SOME ACCOUNTS THAT DO NOT BELONG TO ME OR HAVE NOT BEEN CONSENTED BY ME LEGALLY.I have filed a police report and obtained a copy of it, i have other supporting documents to support my claim that this is fraud conducted by all 3 major credit bureaus, EQUIFAX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This debt should not be on my credit. the new law exempts medical bills from posting on credit files that are under {$500.00}. there is no Account number listed to verify. this only reporting on XXXX does not report accurate on other agencies. Please remove from credit file or i will sue. i have posted a copy of what is stated on my report. 


XXXX XXXXXXXX XXXX Account Number XXXX  Original Lender XXXX XXXX XXXX Agency Name Uscb America Date Assigned XXXX XXXX XXXX Original Balance {$270.00} Current Balance {$270.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # 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: Mortgage

In XXXX XXXX XXXXXXXX I noticed a major increase in my monthly US bank mortgage payment. It jumped from {$970.00} in XXXX, to {$1200.00} in XXXX and XXXX. I looked at my monthly statements and in my escrow payments under " overage/shortage '' was a charge of {$240.00}. This " overage/shortage '' was mostly the issue along with an slight increase in taxes, insurance, principal and interest payments. I have carried a mortgage loan on this house for about 7 years. I have had slight increases in my mortgage payments from insurance and taxes but not this much. I continued to make this increased mortgage payment until XXXX with the thought that at the start of the new year the shortage in the previous years tax and insurance payments would be paid off and I would be only paying the new increase in tax and insurance. But as of XX/XX/XXXX I am still paying this extra {$240.00}. So I decided to reach out to US bank directly. 

I called US bank customer service twice during the XXXX and XXXX months. After finally being able to talk to a person and not a robot, I was told that the increase in my mortgage payments was due to an increase in my tax and insurance. But this did not add up to me. The tax increase was {$8.00} and the insurance increase was {$34.00} compared to the previous months. Even if there was a shortage over 12 months that's {$510.00} short. That extra {$240.00} would have paid that off in 2-3 mortgage payments. But after 6 months I am still paying this extra {$240.00}? 

As a last resort I took time off work to visit my local US bank to talk to someone in person. The teller was very nice and told me they couldn't look up some specific information but she could see my escrow payments. After she saw the discrepancy she also thought that it was very odd. She sent an email to someone at US bank describing my situation and I was told I would be getting a phone call from someone in 15 business days about how to resolve this issue. This was on XX/XX/XXXX. The Request confirmation number is XXXX. After 19 business days I did not receive any phone call, email, or message on my US bank online account. So now I hope the CFPB can help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX  account is reporting inaccurately on my report. Experian has a different opening date and a different last date of activity than transunion. This is hurting me. When I tried to dispute it on there website. A message popped up saying that they were not going to dispute it.
Product: Payday loan

I 've never applied for a pay day loan, nor have i ever recieved one. this is being reported on my credit reports just received notice today and i want it removed.this is fraud and i should n't have to deal with this.
Product: Mortgage

I submitted a check to Ditech to reinstate my mortgage and they ca n't find the check. They said I need to get a reinstatement from the law firm which I submitted 2 weeks prior. I never got the reinstatement from the law firm called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I had to call Ditech again and they said they have no record of a request and will request again. I asked the woman to cc me or send me a copy of the request, she said she could n't. I then emailed the law firm the request and saved a request myself. I also tried to do a modification with Ditech and they said I was missing paper work. There was no missing paper work, I submitted everything which was required plus more. I have copies if you want. They then rejected my Mod. I also submitted for California Keep Your Home and they said I make too little money. What good is the program if I make too much money? This is becoming out of control. XXXX did the samething years before and got rejected for their modification program. I currently pay a 6 % interest mortgage for the past 10 years. Ditech keeps on swapping out new account reps on my account every 2 weeks. They each let the phone goto voicemail. I 've emailed in the website and do n't get a response. This is pathetic. No customer service when I 'm trying to pay the mortgage. I 'm actually trying to give them my money. These banks need to be shut down or thrown in jail.
Product: Debt collection

XXXX XXXX has failed to close my month to month policy which I took out XX/XX/XXXX which I cancelled once I got new coverage. 

The policy was month to month so if I didnt renew there was no coverage. So I saw no need to renew if I didnt pay for the next month. 

XXXX XXXX has reported adversely in my credit report and sold the account to : UNIVERSAL RECOVERY CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and have reported negatively on my credit for {$320.00} as of XX/XX/XXXX claiming that the account was opened XX/XX/XXXX by XXXX XXXX. 

I have disputed with XXXX  to delete this multiple times and have requested PROOF OF DEBT from Universal Recovery and have received none. 

Can you assist on getting proof of this debt? 

Thank you in advance for your assistance
Product: Credit reporting or other personal consumer reports

Todays date is XX/XX/scrub>/2025 Accounts in question with amountsXX/XX/XXXX XX/XX/XXXX Amount {$60.00} XXXX XXXX XXXX XXXX Amount XXXX $ XXXX XXXX Amount {$9200.00} XX/XX/XXXXXXXX Amounts {$72.00}, {$55.00}, {$90.00}, {$22.00} XX/XX/XXXX Amount {$250.00} XXXXXX/XX/XXXXXXXX Amount {$1100.00} XX/XX/XXXX Amount {$300.00} XXXX XXXX Amount {$680.00}
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are allowing XXXX XXXX XXXX to report 2 fraudulent items to my credit report that doesnt belong to me.

Item 1 : Credit Card {$1000.00} XX/XX/XXXX Item XXXX : XXXX XXXX {$13.00} XX/XX/XXXX Ive been incarcerated during these years and many more
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this 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 receipt. 
account details below Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$8200.00} {$0.00} {$7400.00} Credit Limit : {$8000.00} {$8000.00} {$0.00} Past Due : {$7400.00} {$7400.00} {$7400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Student loan

I have been trying to work with AES since XX/XX/XXXX ( as soon as I found out this loan was in repayment ) to reduce my monthly loan payment in order for me to get caught up. At the time, I was in between jobs and moving back in with my mother to try and get ahead. I had explained this to AES several times and submitted all documentation for a deferment 4 different times between XX/XX/XXXX and XX/XX/XXXX. Every time I would submit required documentation they would say that their processing department was behind and that I should call back in a week to check the status. Then, when I would call back, the person on the phone would tell me too much time has passed and that I would need to submit a new deferment request. During this time, my late fees and balance were continuing to grow. Now, XX/XX/XXXX, I am still calling to try and make small payments to get caught up and they refuse to work with me. Every person I speak to on the phone is extremely rude and will not help me in resolving this matter at all. It has completely ruined my credit at this point, and I do not know what else to do.
Product: Checking or savings account

I've been a customer with Wells Fargo since XXXX. I previously reached out to them in XX/XX/XXXX to be part of the previous class action settlement. 

In part, this was my message to them : " Unfortunately I have never been one to be in tune with the news and had previously overlooked this settlement. It was not until recently that a peer pointed this out to me and I believe I fit the criteria of a settlement class member for several reasons. 

For one, I was nudged to take on services with my accounts in the mid XXXX that have since been exposed as services I should not have paid for. Regarding my checking account, I was paying XXXX XXXX monthly for an 'Identity Theft Protection ' service. Regarding my credit card, I had taken on a XXXX XXXX ' service with monthly charges depending on my outstanding balance. Because my outstanding balance was particularly high at this time, I recall being charged hundreds of dollars a month for this service for awhile. 

In addition, some years back I used to go to the XXXX XXXX XXXX in XXXX, CA fairly often. On XXXX particular visit when I went to the counter to make a withdrawal, the teller for some odd reason told me I was due to make a new account. I recall standing there for about XXXX minutes as he closed my original checking and savings accounts, only to give me new checking and savings accounts that pretty much mirrored the original ones. I didn't think much of this at that moment other than it being a waste of my time, but in XXXX, it appears the teller was creating a new account for me to meet a quota for himself. 

Though these experiences would XXXX XXXX most customers away, I would like to describe myself as someone who is very loyal, especially with an organization that I've been with and trusted since high school. I would like this relationship to continue for years to come, but I believe that Wells Fargo will need to do right by me by paying back funds that I never should have paid in the first place. '' In response to this inquiry, Wells Fargo said I was too late to be part of the settlement. Now that this had been revisited in XX/XX/XXXX with a new settlement, I'd like to ensure that I'm part of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX you are in direct violation of the Fair Credit Reporting Act Capital one Account ending in XXXX has violated several of my rights.

15 U.S.C 1681 Section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instuctions.

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 a reasonable cause to believe that the information is inaccurate.