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

Experian, XXXX XXXX XXXX continue to report the account XXXX XXXX XXXX acct # XXXX inaccurately and without my written permission. I have asked several times for the three to STOP reporting this inaccurate information. 

None of the information the three are reporting is accurate are matches up. They must present accurate information and have consent from I the consumer with whom it relates. 

1692 ( a ) - Consumer has a right to privacy.

1681 ( a ) ( 4 ) - Consumers right to privacy 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. 

1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. 

1681a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company.
Product: Checking or savings account

Enough people, like me, I do hope report the injustices of banks like Wells Fargo taking advantage of the hard working earnings of tax payers like myself. Wells fargo, advertises their consumer products and markets them towards people, just like me, hard working, and family oriented. And the facts are in XX/XX/XXXXI was charged {$420.00} in overdraft fees, and XX/XX/XXXX, I was charged so far, {$240.00}.
Wells Fargo knows what they are doing is immoral, because when you call, they immediately with very little effort, refund portions of overdraft fees with no issues. BUT, the problem is, they refund portions, to quiet you from continuing your complaints. They do not refund all of it, although they are clearly in the wrong.
1. Forcing customers to have overdraft protection, that they are unable to opt out of having is wrong. And I mean fully opting out of overdraft protection, meaning, all transactions are rejected, rather than it ever being possible to have a negative balance. THIS IS TRUE OPTING OUT OF OVERDRAFT PROTECTION AND IT USED TO BE GRANTED, now it no longer exists.
2. Charges are posted not in the order I make them, but in the order from highest to lowest by the banks choice. It is done to cause overdraft fees.
3. They now have a messaging system, that is supposed to inform you when you have insufficient funds. Only problem is, if the account has a positive balance ( and it should n't because you 've made charges ), it wo n't send you the messages. So this mechanism is not in tune with what your ACTUAL account balance is, thereby making it useless, and actually more confusing.
In closing, Hard working people, should be encouraged to succeed, not be further suppressed by multi billion dollar banks using predatory practices towards their financially ordinary consumers.
This needs to come to an end and I want my rightfully owed {$660.00} back in my account.
Product: Debt collection

This company failed to cease communication with me and after repeated requests to immediately stop harassing me and validate a {$430.00} alleged emergency room debt, I filed a complaint to the CFPB. This complaint is regarding their response to my complaint as it contains untrue information in an attempt to exonerate themselves of any wrongdoing. They are not respecting consumer 's rights, the CFPB or the FDCPA. 

After filing this complaint Medicredit made false statements to the CFPB regarding their communication with me and I want this on record because I have proof that they are lying regarding the tactics they employed in attempting to collect this debt.

Although Medicredit stated that my account was not placed with their office until XX/XX/XXXX, I have voicemails as far back as XX/XX/XXXX that I have saved. They called at XXXXXXXX XXXX that day and left a voicemail stating that they were " calling from MediCredit on behalf of XXXX XXXX XXXX '' and stated that they were a debt collector. As such, their response to my complaint is false. Prior to this complaint they stated that no request for validation had been received for this account. However, I requested this twice verbally, once more on XX/XX/XXXX in writing, and finally had to file a complaint with CFPB on XX/XX/XXXX when I received an additional call at work. 

Despite them stating that their records indicate they received no written or verbal communication from me regarding this account, I sent written correspondence on two occassions and spoke verbally with two ( 2 ) representatives prior to contacting the CFPB. The cease and desist that they claim they filed in response to this complaint should have occurred some time ago, when I originally requested it. Further, this should not have escalated to this point. 

Additionally, they attached a hospital bill as validation. Please note that I myself requested my medical bills and records from this provider following the behavior by this company and their claim that my full coverage XXXX  insurance did not cover my XXXX They are sitting in my desk. I did not state I did not visit the hospital at any time. I stated that my insurance reported this visit as paid in it's entirety. Additionally, validation of this debt includes some support as to how the amount on the bill from this company relates to the itemization of medical services on medical records already in my possession due to this neverending argument about what billing mistake occurred and why I'm being harassed. 

I again will emphasize that according to my records, this account was paid in full by insurance. Additionally, the amount requested on the bill from the debt collector is not in the validation documentation that was provided in response to my complaint. 

My original complaint should not have been closed, however this complaint is specific to harassing contact and false statements.

Medicredit did not act in good faith with regards to their treatment of this debt and violated my rights as a consumer when they disregarded my request to immediately cease communication and they just lied to the CFPB in an attempt to protect themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion a letter providing specific details of what I want on my personal profile because I noticed a lot of identity theft names. I have not received any information back from XXXX/XXXX/201, that they removed all names, that are not mine based on the information, I provided in my letter. I'm not sure why it's been over 30 days and even when I sent all my proof, they refuse to update and remove all times that could harm my credit report. Please have them update and remove all other items, because they were never mine and will or can cause identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I noticed on my credit report that there were 3 hard inquiries that were not mine. Since they would bring down my credit score I called TransUnion to have them removed. The first person I talked to didn't speak English well but did tell me that they couldn't do anything for me so I asked for a supervisor. XXXX the supervisor told me that they can't take hard inquiries off my credit report even though I did not apply for credit from these companies. He said that I must get in touch with these companies and ask them to submit letters of deletion. I told XXXX that they are not responsible due to the fact that I did not give them any of my information. I also told XXXX, that my son who has the same first name as me, applied for credit to these companies. I also tried to explain to XXXX that my son and I have different dates of birth and social security numbers but he did not care. TransUnion does not check social security numbers or dates of birth JUST NAMES! Very IGNORANT people! TransUnion is lowering my credit score through no fault of mine and they REFUSE to help!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I sold and item on XXXX a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy XXXX to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with XXXX trying to resolve this and explaining my side and had proof. Then they passed the situation on to XXXX, now XXXX is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and XXXX would n't stand by me. They told me it was the cost of doing business. Now XXXX is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or XXXX bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on XXXX was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the XXXX score I had and never had issues like this and they still did n't give me the benefit of the doubt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent BANKRUPTCY COURT account open on my credit reports. Also I was in a park some years ago and someone stole my bag with my personal and sensitive information in it. And since then I have a lot of hard inquiries that have been appearing on my credit report that I did not authorize as well. 
Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX Experian : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Credit/ XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX I  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Motorcycles & Bicycle Sales/Svc XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Checking or savings account

On XX/XX/22 I used the Bill Pay ( Mobile Banking ) service offered by Huntington Bank to send a {$570.00} payment to XXXX XXXX. I have done this monthly over many years. On XX/XX/22 I noticed XXXX XXXX  had not credited my account. I called XXXX XXXX  ( XXXX ) at XXXX and spoke to them for 16 minutes. I was told they did not receive the {$570.00} They were very helpful and open up a incident report. I was going to receive a e-mail that I was reply back to with any documentation etc. Excellent service. I then called Huntington Bank ( XXXX ) and waited on hold for over 45 minutes till I spoke to some one. All they could tell me was that the money was send and to call XXXX. There stance was the money was sent. This call logged a total of 54 minutes. I went to Huntington Bank on XXXX, Ohio ( XXXX XXXX XXXX, XXXX, Ohio ) on XX/XX/22 and spoke to a woman working on the counter. I was again told the money was sent and given documentation of the transfer. ( Huntington had flooding issues etc in XXXX and transaction delays at the same time of my transaction ) She did not seem to care about the coincidence, only that the money was sent. I then went to XXXX XXXX  and spoke to XXXX XXXX ( XXXX XXXX XXXX, XXXX, Ohio ) She was very helpful and offered to assist any way possible. ( I am to send her screen shots of my account to be forwarded to their resolution dept ). She stated that they have no reason not to complete the transaction if the money was sent. I agreed with her its more likely a Huntington issues, but no one at Huntington seem to want to resolve my problem There stance is was that the money was sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act the list of account below has violated my federally protected consumer rights to privacy and confidentialy under 15 USC 1681. The account below 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. 1681 C. ( 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 1681 S-2 ( A ) ( a ) A person that 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 innacurate. DELETE THE ACCOUNT BELOW
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax and XXXX for inaccurate and misleading reporting on my credit report regarding the following accounts : XXXX XXXX XXXX XXXX ( Account # : XXXX ) The account is inaccurately reporting multiple monthly charge-offs, which is misleading and creates the appearance of ongoing delinquency. A charge-off is a one-time accounting event and should not be reported repeatedly in subsequent months. This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in reporting. 

XXXX XXXX ( Account # : XXXX ) Similar to the auto loan, this account also reflects multiple instances of charge-offs over several months, which is factually incorrect. This practice creates a false impression of my creditworthiness and further violates the FCRA 607 ( b ). 
Details of the Issue : Both Equifax and XXXX have allowed these accounts to reflect repeated charge-offs monthly, creating the false impression of ongoing delinquency rather than a one-time event. 
This repeated reporting is misleading and damages my credit profile. 
Despite disputes submitted directly to both bureaus, these inaccuracies remain uncorrected, and no valid documentation has been provided to verify the accuracy of this reporting. 
Relevant Case Law : In XXXX XXXX XXXX XXXX Bank, XXXX. ( No. XXXX ), it was established that repeated reporting of charge-offs is misleading and violates the FCRA, as it misrepresents the account status and damages consumer creditworthiness. 

XXXX Requested : I request that both Equifax and XXXX provide the method of verification used to confirm the repeated charge-off reporting, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

If neither bureau can provide accurate verification, I demand the immediate deletion of these accounts from my credit report under FCRA 611 ( a ) ( 5 ) ( A ). 
Desired Outcome : I am seeking resolution of this issue by either : Proper verification of the accuracy of the reporting ; or XXXX deletion of the accounts if no accurate verification can be provided. 
I request the CFPB to ensure that both Equifax and XXXX comply with the FCRA and correct these violations promptly. 

equifax reported that the account was deleted to CFPB but if is still reporting to my credit.
Product: Consumer Loan

Furthermore, I have asked for access to my bank statements for my accounts. Normally these statements are available online. Since they have revoked my online access, I can not view or download any of my bank statements. To add insult to injury, whenever I call into USAA to request the statements be mailed to me, I am told I must pay {$10.00} per statement. I believe there are payments that were made to my loans with USAA that are evidenced on my bank statement, yet they are not giving me access to documents that will either prove or disprove my claim. 

In XX/XX/2016 I also purchased an extended vehicle contract on a XX/XX/2016 XXXX. At the same time, they closed my account relationship with them, they cancelled the agreement and refunded all the money I paid in to it, even though I did not want this third-party agreement cancelled. They issued me a refund, yet I have no way of confirming whether the refund is the proper amount. I can not verify information online and the payments would be evidenced in my bank statements which they are not providing to me. Needless to say, when USAA cancelled this third-party contract, the action prevents me from getting coverage elsewhere without incurring a significant cost increase. It is worth mentioning that payments towards the auto warranty were made on time and were never late. 

In closing, I need the CFBP to assist me with getting my issue addressed with high level governance within USAA.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX : {$250.00}, XXXX XXXX XX/XX/year>, XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. My tracking number is # XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act XXXX XXXX XXXX. I have the right to privacy. Also according to XXXX XXXX XXXX. No financial institution is suppose to share my information to XXXX party people. 

These are a clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Made numerous disputes on stuff that was showing up on my credit report between Experian XXXX and XXXX XXXX for fraudulent activity and accounts that were not mine and they said within a matter of a couple days that my credit did not change and that dispute showed that it was correct information when I know it wasnt they didnt investigate it on any of the credit bureaus I want this looked into
Product: Credit card or prepaid card

On XX/XX/2021, I purchased seat assignment from XXXX of XXXX dollars with my Bank of America premium rewards credit card. According to their reward program, there is an annual airline incidental statement credit of XXXX dollars, for which my purchase qualifies. The credit was supposed to be automatically applied in the next billing cycle, but it wasnt. I have contacted the bank over the phone, and they told me that it should be a qualifying purchase. However, after another couple rounds of phone calls checking for updates, a few weeks later, they told me it was not a qualifying purchase for the credit. I was told that some code was off and XXXX didnt not put in the purchase as seat upgrades. I had no idea nor did I have ways to find out that some underlying code that the airline and the bank used was off. It should never be the customers responsibility to figure out if all transaction codes are correctly, nor was I able to find out before I could make the purchase. I said I could provide them with itemized receipt to prove the purchase was actually for seat assignment but they still refused to apply the credit. I have been a long time royal customer at the bank and this is unacceptable
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove this incorrect address from my report its probably from identity theft. This XXXX, florida address is not mine & never has been. I want it removed. I called them one year ago & they still never removed it
Product: Mortgage

On XX/XX/2020 2 payments were taken out of our checking acct. I only authorized 1 pymt. By phone since we hadn't received our mortgage statement for that month. I had to call the bank and pay XXXX to have payment stopped on one of the payments. Now they say it was a bad check ( which it was not ) and are charging me XXXX fee for it!!! My husband and I live on. Social security and raising XXXX grandchildren.We have had so much trouble with this mortgage company for the last 3 month. I called them today XX/XX/2020 and told them I wasn't paying the XXXX fee since I had to pay my bank XXXX to stop payment on one payment already. They told me I still had to pay the XXXX fee. I am outraged!!! Please help us. Money is really tight!!