23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX has violated my rights. 

XXXX has violated my rights. 

EXPERIAN has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 11.14.2020 I've sent disputes regarding unknown and inaccurate accounts on my credit report. I haven't received any response it's over 30 days today. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the national pandemic, creditors were NOT reporting late payments to the credit beuru. Capital One Bank put me on a COVID monthly plan and were NOT suppose to report it since I was making the COVID payments we agreed. In fact they I was told that they were not reporting it if I do make payments or not while being approved for a COVID plan. I find it extremely unfair that they reported me during unprecedented times. Not one of my other credit card companies did this. I believe Capital One should be fair and remove the late payments during the beginning of the out break. Please try to see what you can do, we are all suffering enough and for them to do that, is really disheartening. 

Thank you, Stay healthy XXXX XXXX
Product: Checking or savings account

I was charged {$470.00} by XXXX XXXX for a XXXX subscription I never authorized or do I even use you tube my son used my card with out my permission
Product: Prepaid card

On XXXX XX/XX/year> a Vanilla Visa prepaid card ( XXXX ) was purchased for XXXX USD ( XXXX prepaid value + XXXX fee ) at XXXX XXXXXXXX XXXX XXXXXXXX locate at XXXX XXXX XXXX, XXXX, MA XXXX. 

On XXXX XX/XX/year>, pursuant to the activation instructions provided on the sticker affixed to the card, the Customer attempted to activate the card on balance.vanillagift.com, providing the requested card details. The card activation system failed to activate the card, instead providing the Customer with a " System Error ''.
Product: Checking or savings account

I had XXXX fraudulent charges on my XXXX account in XXXX and I notified the bank to report them. After they researched the charges they said I was on my own and that there was nothing that they could do. I even sent them emails showing that the charges were not authorized and they still would not help me or reverse the charges. One if the charges actually resulted in a {$36.00} overdraft fee which I w they held me responsible for even after I provided proof that the {$120.00} charge was unauthorized. I contacted the companies that charged my account and was promised a refund but now XXXX  months later they havent refunded the charges either. Now Truist is charging me {$10.00} a month for a blocked account that they wont unblock unless I physically step into one of their banks. I work fir a XXXX XXXX through XXXX from XXXX and on XXXX from XXXX. I do not have the ability to get into a bank branch and they are very much aware of that. At this point I just want my money from the account to be sent to my new bank account at a different bank. I have spoken with a supervisor twice today and they refuse to help me. They are basically stealing my money {$10.00} at a time. This is theft and I am not going to stand for it. I have never had such poor customer service in my whole life.
Product: Mortgage

Im requesting more information as Im not satisfied with results They say I have to many loans and it effected my loan pay off. Ive live here to long and it should be under XXXX If Im at where they say I am Ill never get paid off. I also recieved a letter say they are switching my mortgage to another mortgage company and they told me I owed XXXX I got a new statement and tells me I owed XXXX I feel they are being shady now all sudden switching companies and they knocked off almost XXXX off since Ive requested all this. I know well Fargo in past has robbed people on thier mortgages I dont want to be that person I pay my mortgage and work hard. 
Please look into this again before they switch I only have til XX/XX/2025 Thank you
Product: Debt collection

Somebody I'm not sure who used my information to start a health club membership in XXXX XXXX I do not live there the balance is now XXXX it was started in 2020 the campy is called XXXX I have file a dispute in order to get it removed from my credit report
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$75000.00} XXXX XXXX XXXX  XXXX Balance : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Please see attached letter, drivers license, social security card. 

You need to add the rental tradeline onto my XXXX credit report. 

The rental tradeline company is also copied on this complaint to help assist if needed.
Product: Credit card

This card in question was opened without my authorization, using my partial personal information to obtain benefits, despite having a freeze in the credit bureaus and a red alert for identity theft fraud victim in the past. 
The phone number a email address do not match my current contact, as well as my legal name, mailing address, bank account information and other information used for the purpose of obtaining, collecting and receiving benefits from this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. XXXXXXXX XXXX REPORTED A BANKRUPTCY REMARK ON MY TRANSUNION CREDIT REPORT. NEITHER XXXX NOR TRANSUNION VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. XXXX DID SEND A LETTER TO ME ONXX/XX/XXXX SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. 
TRANSUNION INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH TRANSUNION, NO OTHER REPORTING AGENCIES. XXXX SHOULD NOT BE REPORTING FALSE INFORMATION AND TRANSUNION IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!
Product: Debt collection

This is the third time I have filed a complaint against this company ( Credit Solutions ) with CFPB. It is not my debt, and the person does not live here. I told them to stop calling me. I told the person that owes the debt to call them and tell them to leave me alone. And he did, so they now have his phone number, but they still call me. I sent them a certified letter, telling them to Cease and Desist calling me or I would take legal action against them. They got the letter and are still calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Debt collection

I have a high deductible insurance plan just like a lot of other people do. In XXXX of this year I was sent to XXXX hospital for a study ordered by my doctor. when I received the invoice it was over XXXX in which a was making regular monthly payments as I could. when I received the last invoice it was at a XXXX balance in which they stated they wanted it paid in full. I sent them a payment in which I could afford that week as I have been since XXXX they cashed the check and sent the balance of XXXX to collections. Now this is not the XXXX time I have had problems with XXXX hospital billing, they have sent me to collections for duplicate billings in which have been paid, their billing practices need to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically when i was applying for vehicle at dealership and i did that give any consent to run my credit and after leaving i found out that my credit was run multiple times without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I have disputed this account more than XXXX times now and Ive asked for proof in each letter that Ive written. Ive also asked for this proof verbally over the phone and with the credit bureaus via phone/Letters all certified yet, I have not received any proof that I owe this debt it has only been updated and came back as verified on each occasion. I have asked the XXXX Credit Bureaus to go beyond the original source yet all attempts only came back as verified and updated without sending all disclosures documents and signatures of mine confirming this step with the CCS. This is willful negligence I would like to file charges.
Product: Checking or savings account

On XX/XX/XXXX, I tried to open my Bank of America Adv Plus Banking Checking account online with the promotion code XXXX, which requires " set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within ninety ( 90 ) days of account opening '' to receive {$300.00} bonus. My application didn't go through, and I was told to go to a branch to open the account in person. 
So I went to Bank of America Financial Center at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The banker there, whose name is XXXX XXXX <XXXX> opened the account for me, and told me that would receive my {$300.00} bonus after my I have the direct deposit requirement satisfied. 
So in XXXX and XXXX, I made Direct Deposits totalling more than {$4000.00} to that checking account. In XXXX, I went back to check with the branch, I met with XXXX and the branch manager XXXX XXXX <XXXX>, but they told me that my account must be opened for 120 days before receiving the bonus and I just need to wait for the bonus. 
So I waited until XXXX and still didn't receive the bonus, so I came back and checked with XXXX again only to be told that she would tell her manager about this and I should be receiving my bonus soon. 
In XXXX, I still didn't receive my bonus so I came back again, this time I got to know that the manager had been transferred to another branch. XXXX told me that she was filing a case ( case # XXXX ) so that I can receive the bonus. She told me to call in to check the status and I should be receiving the bonus soon. About a month later I still didn't receive my bonus so I called in and the representative on the phone told me my case hadn't been resolved and she would escalate my case. 
Today ( XX/XX/XXXX ), I called in again only to know that my case was rejected, and the rep told me the onlything he could do is to escalate the case again, and told me to check back with the branch manager where I opened my checking account. 
In summary, I opened the account because the banker XXXX told me that I would receive the bonus, which I never got, although I already had to go through several loops, went to the banks several times and wasting numerous hours talking to multiple Bank of America representatives.
Product: Debt collection

They said I refused to pay so under 15 U.S.C 1692c there shouldnt be any contact or reporting to debt collectors! 
Jefferson capital systems {$1400.00} for XXXX XXXX
Product: Debt collection

The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as PENN CREDIT CORPORATION AND XXXX XXXX XXXX their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


PENN CREDIT CORPORATIO Original creditor : XXXX XXXX XXXX {$550.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Student loan

I took out a private student loan from Sallie Mae in XXXX. I fell behind on payments upon graduation and due to the company 's unforgiving practices and high interest rates, my account was reported as a " charged off '' account in XX/XX/XXXX. While I made consistent payments as soon as I found employment, I went back to school for three years and could no longer make payments as I had no income. In the meantime, Sallie Mae turned into Navient. Navient then sent my account to various collection agencies for further collection. I am now in the process of negotiating a settlement so that I can resolve this matter. However, it has come to my attention that the collection agencies and/or Navient are engaging in deceptive practices regarding collection of this debt. 

On XX/XX/XXXX, my co-signer on the original loan received a settlement offer letter from the collection agency XXXX XXXX XXXX XXXX XXXX The letter stated that XXXX XXXX XXXX 's client ( i.e., Navient ) was willing to accept {$1900.00} of the outstanding {$4700.00}, in order to fully settle the debt. The letter also stated that the settlement offer would be open for 30 days from the date of the letter ( it was dated XX/XX/XXXX ). 

Since receipt of this letter, I had been in touch with both XXXX XXXX XXXX XXXX and Navient regarding resolution of this matter and was prepared to make payment towards this settlement amount in the immediate future. 

However, on XX/XX/XXXX, my co-signer received another letter from a completely different collection agency called XXXX XXXX XXXX XXXX XXXX, stating again that the full {$4700.00} balance was due. There are several issues with this latest letter : 1 ) This is the first time we have heard of XXXX XXXX XXXX XXXX XXXX and it appears that they are attempting to collect on the same debt twice. 

2 ) This letter was sent within the 30-day window we had received from XXXX XXXX XXXX XXXX to accept the settlement. We were about to send a check to XXXX XXXX XXXX XXXX to settle this, but now are receiving conflicting information that the full balance is due to an entirely different agency. The settlement offer was legally binding and to be held open for 30 days, so this new letter is not only contradictory but also violates the terms of that settlement offer letter. 

In conclusion, I believe that Navient, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are all engaging in unfair and deceptive debt collection practices. They are misrepresenting the total balance due, attempting to collect on the same debt twice and presenting conflicting information regarding legally binding settlement offersputting my cosigner and I in danger of paying more than what is actually owed on the account.
Product: Mortgage

Due to XXXX, XXXX & loss of jobs we could not make our house payment. We had a loan with XXXX and a XXXX loan with XXXX XXXX ( {$25000.00} ). We talked to our realtor who said to do a shortsale. She listed in XX/XX/XXXX at {$85000.00} ( XXXX shortsales in the neighborhood ). We received {$120000.00} which the buyer agreed to. She waited a month then terminated because she found another house that was not in shortsale. The house went back on the market and we received an offer XX/XX/XXXX for {$120000.00}. On XXXX XXXX notified us that the servicing of our loan was being transferred to Bayview Loan Servicing LLC on XX/XX/XXXX. But then moved it back further to XXXX. So we could not do anything during that time. Since we have been working with Bayview we had XXXX different negotiators in 5 months. We have had a qualified buyer since XXXX who still wants the house. Bayview has had an investor who still to this day has not said yes or no to the loan ( XX/XX/XXXX ). This company has called and harassed us and more important has called and harassed our parents who have nothing to do with our loan. If they needed paperwork XXXX has everything they need. She has been working on this offer for 8 months along with our Realtor. XXXX had been calling our Realtor each week to make sure the house was in pending and still going through. On XXXX our Realtor went to check on the house and found a flyer on the window from XXXX saying they were going to board the house up and change the locks. Our Realtors sign was out front in plain sight and had a sign saying " contract pending '' along with a lockbox for agents to get in. She went to XXXX and tried to find out what was going on. She did have a loan officer call someone to notify them the house was in pending. Bottom line is we have had a qualified buyer for over 5 months and the offer is being sat on! They could have their money and we could sell the house.
Product: Checking or savings account

XXXX fraudulent checks were paid by TRUIST against our account in XXXX, XXXX and XXXX, XXXX, totaling {$140.00}. This is the second time this has occurred. The first time was in XXXX, XXXX. In both cases, I communicated with TRUIST and submitted Affidavits of Fraud as requested. After the first case, the bank reversed the charges to the account. For the most recent charges, the bank informed me today ( XX/XX/XXXX ) that we should have closed the account and opened a new one as the account had been compromised. They never communicated this to me after the first problems we had with these fraudulent charges. The bank denied the reversal of the charges. 

The account belongs to a non-profit that provides transitional housing in XXXX  XXXX DC. Though the amount is very small, I am following-up on this matter due to the principle at stake here. We never wrote these checks, and the bank should have taken responsibility for their being charged against our account.
Product: Debt collection

On XX/XX/year>, I received an unexpected call from a debt collection agency ( IQ DATA ) demanding immediate payment of a final bill totaling {$910.00} from my former apartment in XXXX, California. Prior to this call, I had not been contacted in any way by this debt collectornot by letter, email, or any other form of communicationnor was I informed that this agency would be taking over the debt. The representative insisted that failure to pay immediately would result in a negative report on my credit, putting intense pressure on me to settle the bill on the spot. Under pressure and fearing potential damage to my credit, I paid the amount during the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the Consumer Financial Protection Bureau I believe that XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ). My privacy rights, as stated in 15 U.S.C 1681 Section 602A, have been compromised. Additionally, 15 U.S.C 1681 Section 604A, subsection 2, prohibits a consumer reporting agency from furnishing an account without my written instructions. To rectify this situation, I kindly request that you promptly investigate the matter and take appropriate action to ensure compliance with the FCRA. I seek a fair resolution that upholds my privacy rights and prevents future violations.