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

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 ( 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. 
These are the accounts I have marked as inaccurate : XXXX XXXX
Product: Debt collection

During Covid, around XX/XX/2020, I was sent an email from XXXX saying that I was able to extend possession of an internet router until it was feasible to send back. Without warning, I was sent a bill for the entire balance of the router. In XXXX of 2020, I returned the router to the store. There was no other outstanding balance in the account. I heard no more from XXXX, and was told by an employee that the bill would be discharged. I have since been sent mail from a debt collectors agency trying to get me to pay for the router that I returned. 

I have attached the emails from XXXX, as well as the letter I was sent from the debt collectors. Please advise as to what I can do in this situation.
Product: Payday loan, title loan, or personal loan

Approached the company several times and was told I would have to pay additional money towards the principal in addition to the regular payment if I wanted more to go towards paying the loan off. Of {$650.00} they credit only {$26.00} a payment to the principal. In other words I will never pay them off. OneMain Financial is the company. They hold my vehicle title also. 
They use an interest bearing account as ploy.
Product: Student loan

I received a letter, dated XX/XX/year>, from Mohela ( the official servicer of Student Aid ) notifying me that my student loans were being put into forbearance due to a XX/XX/XXXX federal court-issued stay preventing the XXXX from operating the SAVE Plan. The letter stated, " While you are in this forbearance, no payment is required on your account, and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' Subsequently, I received a letter, dated XX/XX/year>, from Mohela stating " Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. '' I am accruing interest when explicitly told that interest would not be accrued.

In addition, this forbearance was not my choice and I am now being penalized by not receiving credit towards my PSLF payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally state that all recent inquiries made by these companies are not authorized and are unknown to me. Upon reviewing my records, I discovered several inquiries I did not initiate or approve. 

I want to bring this matter to your attention to ensure it is documented accurately. I request an immediate review of my credit inquiries records to confirm the unauthorized nature of these inquiries. Please take the necessary steps to rectify this situation and cease any further unauthorized inquiries on my behalf. 

If there are any additional steps required from my end to address this matter, please provide guidance. 

Thank you for your prompt attention to this concern. I appreciate your cooperation in resolving this issue. 








Hard inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2024 - I got my driving license ( XXXX yrs old ) XXXX XX/XX/2024- We tried to get her Car insurance. Multiple companies rejected my car insurance with reason that I have at fault accidents on her CLUE report LexisNexis XXXX XX/XX/2024 - My Father, XXXX XXXX, Contacted LexisNexis to dispute as our daughter never had any accidents and was not driving before XXXX XX/XX/2024 - Lexis Nexis opened dispute/case XXXX XX/XX/2024 - Lexis Nexis closed the dispute and sent us Clue report/reports. The report has another person, with different date of birth and social security number but with the same name as me. All details pretain to the other person and not me We bough a very expensive Car insurance fin the interim and need help to get LexisNexis to fix my report by removing the other person from her report. The report basically has all history of the other person
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Account Name XXXX XXXX Account Number XXXX {$810.00} past due as of Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Type Credit card {$7000.00} written off. 

XXXX XXXX XXXX Account Number XXXX {$11000.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX {$2000.00}
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment {$54.00} missed XXXX payment XXXX Closed account - would not remove late fee XXXX Went into XXXX XXXX store in XXXX XXXX and paid balance of {$58.00} XXXX received another bill for missed payment in XXXX due date of XXXX - would n't remove fee even though account closed and Paid in full - said they could not remove it after the account was closed Received new bill with ANOTHER late fee XXXX - XXXX with a minimum charge of {$2.00} = {$29.00} so my bill is now {$63.00} in late fees Called XXXX - was transfered to a manager - was on hold for 25 minutes ( seriously on -purpose ) - would not remove any late fees - said it was in terms and conditions and could n't help now that account is closed. So now the last 2 bills are just late fees on late fees! I was a XXXX member of XXXX XXXX. The lack of customer service from XXXX and it 's employees to help me has been ridiculous. I took care of the payment that was due - spoke to a XXXX customer service person on that day in front of the store manager. Could not believe I received a bill for a LATE FEE on a closed account that I had settled two days late. Now another bill with another late fee - no product - just late fee on late fee. Unbelievable that a bank can do this and not even try to waive/correct the situation.
Product: Prepaid card

Went to XXXX in XXXX Illinois on XX/XX/XXXX " with a positive pay '' check ( {$4300.00} ) Its required to be verified before cashing. So since the check had XXXX on it i decided to go there to avoid check cashing fees. The teller attempted to cash the check before verification which kicked the check out as fraud. She then called to get the verification code which they provided her with which allows the bank ( XXXX ) to be paid. She then attempted to cashed the check again which came back as fraud again. There was nothing she could do therefore I left XXXX and called my issuing bank ( skylight financial/ netspend to void the check. Long story short the check couldn't be voided due to XXXX was provided the authorization code which entitled them to the funds. Well they ( XXXX ) did receive the funds on the XXXX of XXXX but and returned it on the XXXX since I was not their customer. 
Well today is XX/XX/XXXX and my issuing bank ( skylight/ netspend says nothing was returned to them. l 've been to XXXX several times since aswell as called skylight/netspend several times with no help. Those funds were a loan from my XXXX tax refund and my family is in dire need we are now facing in Eviction from our home. Please help!
Product: Debt collection

I received a call from this company while at work. The person I talked to was very rude, so much so that when the call ended I called back to file a complaint. When I called back to file a complaint the next person on the phone was extremely rude as well. They harassed me about the payment using very unprofessional language and I felt threatened. I felt as if I were being bullied into compliance.
Product: Debt collection

Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/2016 with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the 30 days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.
Product: Debt collection

Its reporting that I was late for a small balance where the overall balance on loan was paid in full before term.
Product: Credit reporting or other personal consumer reports

I received a demand letter from XXXX XXXX trying to collect a debt that I owe to US Bank. At the same time, this same information showed up on my XXXX credit report showing that the total amount outstanding was " past due ''. My credit score decreased on the same day by XXXX points. 

I immediately called US Bank and they agreed with me that the account in question is in good standing and all payments are up to date. I asked them why I received a demand letter from a debt collector. They informed me that they had recently changed to this new attorney debt collector but could not tell me why I received the letter. 
I then called the debt collector. They informed me that they were " legally obliged '' to send me a demand letter because they had recently received my file, even though the account is not delinquent and no payments have ever been missed. I asked if I should be paying them now instead of US Bank and they said no.

I called US Bank again asking why they had reported an incorrect account status to the credit agencies. They denied having done so. XXXX XXXX also denied having done so. The account still shows " past due '' on XXXX. Both XXXX XXXX and US Bank have informed me that there is nothing they can do to 'fix ' my credit score.
Product: Credit reporting or other personal consumer reports

Ive dispute the incorrect reporting of my personal information on 3 occasion XXXX XXXX XXXX XXXX  with a copy of my valid driving license, Social Security card and a current electric bill as documentation of proof. My correct address was add but the addresses Ive never lived, addresses that are undeliverably, and/or I have no access to are still being reported and the explanation Ive given is it their policy rather that following the guidelines under the FDCPA.
Product: Credit card

Wells Fargo knows. I am waiting for someone to care. My credit card has been frauded each week for the past 4. The last time, In fact, I hadnt even received my new credit Card when it was frauded again. I have suggested to Wells Fargo the bandit it is within their organization. Im unhappy with their lack of customer service. In fact I spoke to a supervisor today because my latest card was not expedited to me. In the Last month I paid off my entire balance, it was at least XXXX. He was rude. I never hear any kind of apology for this constant infraction. I dont want to upset my life by changing to a new bank after 22yrs. Im an XXXX XXXX. What can be done. Put a pin on credit cards, perhaps. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My XXXXXXXX XXXX loan ID is XXXX. 

Since XX/XX/XXXX I have been having ongoing issues with my XXXXXXXX XXXX account. After a few months of going back and forth, we finally came to the conclusion that an escrow analysis was not done since our loan modification and I was overpaying for my mortgage each month from XX/XX/XXXX to XX/XX/XXXX. 

After multiple agents told me not to pay the full amount of the mortgage due ( {$1500.00} ) and just to pay the previous amount ( {$1200.00} ), XXXXXXXX XXXX reported me to the credit bureau, against the advice given. I was advised in XX/XX/XXXX by XXXX agents that XXXXXXXX XXXX would contact the bureau to correct this because of the discrepancy in my mortgage and the going back and forth to try to figure out the correct payment. 

On XX/XX/XXXX I spoke to XXXX agents at XXXXXXXX XXXX XXXX and XXXX who both advised that I send proof of this negatively impacting my credit score to the email address XXXX and they would fix it. I did this and never heard anything back. 

On XX/XX/XXXX I paid a lump sum of {$4300.00} even though I was advised AGAIN to wait until the escrow analysis is complete to ensure that I do not continue to overpay ; however, I did not do that to be sure that it does not also negatively impact my credit score. 

Here is an outline of the calls and agents I spoke with, if you can PLEASE pull the calls and listen to the multiple agents advising me to not pay the full payments due : XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX - Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} ( this is the month I was reported to the credit bureau after multiple agents told us to make this payment and DID NOT advise that what I was doing would negatively impact my credit, at this point I was unaware that what I was doing was not best practice and I should have never been advised to make partial payments ) XX/XX/XXXX - Rep XXXX Payment made {$1500.00} XX/XX/XXXX lump sum payment made of {$4300.00} I truly appreciate any and all help you can give me regarding the credit bureau and getting that removed from my credit report. My next step is to receive legal counsel and have a lawyer request the calls to review them if no one can help me after a year of my credit being torn down. At this point, my wife and I are trying to move as our family is expanding and due to my credit being significantly impacted, we are unable to do anything. 

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

Attn : Experian Fraud Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, My name is XXXX XXXX. I am writing on my own behalf, to dispute several accounts that were fraudulently opened in my name and to request the removal of associated inquiries and collections from my credit report. I did not authorize these creditors to obtain my information, and upon contacting them, I was advised to request the credit bureaus to delete these entries. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account XXXX : XXXX - Amount : {$150.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account XXXX : XXXX - Amount : {$1400.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Collection ) - Account Number : XXXX - Amount : {$190.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account XXXX : XXXX - Amount : {$1400.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$11000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX Additionally, these creditors have inaccurate personal information on file. My correct information is as follows : Current Address : XXXX XXXX XXXX XXXX XXXX 
XXXX, KS XXXX Employer : XXXX XXXX  XXXX - Owner Note : The founder / owner of the following company is in jail for fraud, as a direct result of this company. 
XXXX XXXX XXXX XXXX Please correct the inaccuracies on my credit report. Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I Received a debt letter from a company called Scott & Associates claiming they are a debt collector, and collecting a debt owed to XXXX XXXX XXXX, XXXX. 
I responded to the letter by requesting Debt Verification. Scott & Associates/ XXXX XXXX XXXX XXXX XXXX XXXX by sending me a copy of a bill, which is not what I requested. I responded to this letter stating that a bill in itself does constitute verification and until they can send me the other information, I requested to please discontinue contact and that if Scott & AssociatesXXXX XXXX XXXX XXXX XXXX I would be forced to report them to the CFPB. They keep sending me copies of bills but not any other verification I requested, A process server has also been coming by my home and I received a letter from a Lawyers office that XXXX XXXX XXXX has filed a lawsuit against me in XXXX XXXX clerk 's office on XX/XX/XXXX for an unpaid debt.
Product: Credit reporting or other personal consumer reports

Due to multiple costs after a pipe burst at my home one of the repair companies offered to run an online credit check for an installment plan. I told them my credit accounts were frozen due to previous data breaches and they decided to try, but it was declined. 

Unexpectedly I received a letter dated XX/XX/XXXX stating that XXXX indicated my credit score was XXXX which is incorrect- my credit score was unavailable ( which is not the same as a credit score of XXXX ). 

The letter came from GreenSky XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The signature block of the letter was XXXX XXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit check was through XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have had multiple data breaches affect me including needing credit monitoring ( and am currently under free monitoring for the latest one ). It is a great concern to me that there not be a record anywhere stating I have a credit score of XXXX. 

None of the three companies listed above have been willing to take any actions and each just refers me to another of the companies. It is incidentally very difficult to connect with a live person at any of the three since I am not technically a customer of any of them. More like a victim of all of them.
Product: Debt collection

This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection agency Midland Credit Management has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.

I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with Midland credit management or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof. 



Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) Midland Credit management is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. 



This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

The company has violated the following laws 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 3 times {$3000.00} 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 4 times {$4000.00} - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number 3 times {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX Account name XXXX XXXX account # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hello I have a bank account with Bank of America. I opened a checking and saving account with them about 2 years ago the first year was great no complaints but this past year I dont know what is going on but Im having problems with my account getting hacked into. Im having money just disappear, transactions being made that I did not authorize, checks be cashed on the online banking, and transfers being made to other accounts that I dont know who they are. I tried to dispute all the transactions that I could see that I did not recognize but after months they tell me they are not going to pay the claims. I had someone go on vacation to VA XXXX in the beginning of XXXX using my bank account and I have never been there before and I dispute all of those transactions and they did not pay that claim. The claim was for almost there XXXX dollars. Im still waiting to hear from a XXXX dollar dispute I did on a transfer made through zelle that I did not do. I have filed a identity theft report because there is a name and address on my credit report that I dont recognize and that may be the reason Im having the issues with my bank account. I am beyond stressed about this whole thing and I have lost so much money dealing with this as well. I dont know what else to do, if you could give me any direction to go that would be extremely helpful. Thank you for your time.