23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX transfers Date : XX/XX/2023 Total amount : XXXX Bank : Capital One Description of Incident I received an alert on my XXXX about an XXXX XXXX credit card charge to XXXX with a phone number claiming to be XXXX Customer Service for questions. Not recognizing the charge, I clicked on the linked phone number to call and was connected to a representative claiming to be XXXX. He told me it was an improper transaction and that all my accounts were compromised. He said he would help protect my accounts and that I should I download the XXXX  app to my phone, which I did. He told me criminals were using XXXX to take money out of my accounts. He instructed me to enable XXXX on my bank account so that I could decline the fraudulent transactions. He then had me send money to " myself '' to undo the " fraudulent '' transactions. It appeared to me that I was sending money to myself but, in fact, I was sending money to the fraudsters under XXXX name XXXX XXXX. I did see this name on my screen but the representative explained that this was his supervisor. He then instructed me to do the same on my husband 's phone because we had a joint account, so I did. In total, there were 4 transactions totaling {$3400.00}. He then instructed me to download a cryptocurrency app. At this point, I became suspicious and ended the phone call. I then realized I had been scammed and immediately called my bank, Capital One, to report it. Capital One denied the claim because Capital One did not make an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an update alert on my Experian report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XXXX XXXX, 2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.
Product: Mortgage

XX/XX/XXXX, I received a mortgage from BB & T. During this time, the appraised value of the home was {$280000.00}, based on square footage that was overstated on the appraisal by 1,251 square feet. This gross error was not discovered until after non-responses by BB & T 's mortgage ( for the lower rate that was stated of 3.875 % ) and I'd gone to another financial institution to refinance in XX/XX/XXXX. The other financial institution, XXXX, ordered an appraisal and now it's been determined there was a measurement error and the value of my home is upside down by a tremendous amount. After multiple attempts of left messages and emails with BB & T, I found a complaint email address and send my letter via email. I've attached my letter, along with the letter of response by BB & T. I responded to BB & T with a copy of the XXXX appraisal that was mentioned in their response letter. I've not heard anything back from them. In essence, they are stating they need another mortgage application and for me to pay for another appraisal. I do not feel in any way that I should have to pay even more money and re-apply for a mortgage they already hold that was handled inappropriately.
Product: Student loan

I called Edfinancial in XX/XX/XXXX to request a refund of the payments that I made during the COVID pause. I did not get any confirmation of this, but then when I opened my account in mid XXXX. I noticed a line in my payment history with a adjustment of {$5800.00} on XX/XX/XXXX. I also noticed that my loan balance increased by this exact amount. I since have called the servicer many times getting through to them several times. I was told that my request to be refunded this amount would be sent to a finance department. Another time that I called I was told that a supervisor would call me back in XXXX to XXXX hours, which never happened. On XX/XX/XXXX I called again, very frustrated and asking for my money back. The customer service agent told me that he would escalate my request to emergency and to call back in 15 days. I called back today XX/XX/XXXX and once again told that a supervisor would contact me in XXXX to XXXX hours and that there is nothing else that can be done except wait for the finance department to see the request.
Product: Checking or savings account

I deposited a check for {$100.00} on XX/XX/2021 into my Wells Fargo personal account from my XXXX XXXX XXXX XXXX personal account. Wells Fargo is claiming it was returned for duplicate presentment. They deducted the {$100.00} from my personal account on XX/XX/2021. After XXXXXXXX XXXX XXXX XXXXXXXX proved it was not a duplicate presentment, Wells Fargo said I had insufficient funds and returned the check to XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  XXXX has shown them proof I did not have insufficient funds and the {$100.00} was not returned back to XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXX  XXXX has done all they can possible do to prove that {$100.00} was removed from my checking account and Wells Fargo never put that {$100.00} back into that account. I worked with a gentlemen named XXXX XXXX. 
XXXX XXXX XXXX XXXX Wells Fargo Bank N.A. | XXXX XXXX XXXX | XXXX WY, XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX He told me to my face that if I wasn't sitting there while he tried to resolved this issue that he would have gave up. 
I just want my {$100.00} back. 

Hello, Please see below. 
XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX  | XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX XXXX XXXX XXXX Subject : XXXX XXXX I show bank of first deposit XXXX ( Wells Fargo XXXX XXXX XXXX. 
If you are not able to get anywhere with this let me know and I can contact XXXX. 

XXXX XXXX Operations Specialist Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was a victim of identity theft, medical bills were placed into collection in his name. The debt involves XXXX XXXX. XXXX XXXX XXXX XXXX rights as a consumer are in direct violation of the Fair Credit Reporting Act because in XXXX and XXXX these collection items on his credit report were disputed and removed. Now the same debt is re appearing from a different collection agency. Being XXXX XXXX, 19 items are currently in dispute now, within the 30 day time frame for investigation. This is considered " outdated, negative information '' as it's been addressed previously and led to an extended 7 year fraud alert on his credit report. This is illegal, and unethical. The credit bureaus should be held accountable for these violations and illegal reporting practices. Both XXXX and Experian have been notified to send a copy of a current credit report with the initial dispute process in writing, this has not been done at this time. Disputes were initiated on XX/XX/XXXX 2018
Product: Mortgage

I had a modification in XXXX. I then fell behind on my mortgage XXXX, XXXX. I had some home repairs that needed to be done to keep the house in livable. Due to this I fell behind on my mortgage. I have applied for assistance 3 times and be denied each time. Each denial has come with the reason that my loan is ineligible for assistance. The lender told me it was due to my prior modification. I have reviewed the prior modification and can not find anywhere where it says that I would no longer be eligible for any assistance in the future. I would like to be reviewed for help as I think I can prove affordability. They offered me a repayment plan that was not affordable.
Product: Payday loan, title loan, personal loan, or advance loan

I initially took out a loan of XXXX dollars XX/XX/year>, after my father had a XXXX and I lost my Job. 
Eventually, I found out that the loan I have has over a XXXX percent interest rate, which seems to fluctuate depending on the documents I read. 
I have made payments of {$130.00} dollars twice a month based on my pay schedule for over a year on time, and I am not even halfway through the repayment process. 
After speaking with an agent today, I found that I have paid over XXXX dollars, and owe XXXX more.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that the account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX account on my credit report are showing 120 days late payment which XXXX XXXX U.S. Department of Education department honored to remove the 120 day late payment from my credit report. Please see letter enclosed from XXXX XXXX XXXX and please update my account and remove the only 120 day late payment that was listed in XX/XX/2017on my credit report. 

The letter enclosed includes the following XXXX XXXX   account numbers : XXXX XXXX XXXX XXXX I have also faxed your company the letter enclosed and filed a dispute with your company requesting the information the be update and never heard anything or received a responce
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. XXXX   received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX  who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against XXXX, Sa-Vit Collection agency, and XXXX XXXX XXXX, XXXX for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.
Product: Student loan

In 2009 I got married and changed my last name from XXXX to XXXX. I faced over my new license and marriage certificate over with my new last name, XXXX. When I began receiving statements my name was listed as XXXX, I have never been a XXXX. I called and spoke several times about my name being incorrect and nobody could figure out how my last name was changed. I was repeatedly told to fax over my information, which they should have had on file since I already faxed it over. They said the fax never came through ( each time I called I was told this ). I do n't understand how they were able to change my last name to something it never was. 7 years later it finally got changed. I also called to explore my options when I stopped working full time and had XXXX kids to care for, I was told I could put my loan in forbearance but was not given other options available.
Product: Vehicle loan or lease

Dear Capital ONE Auto Finance ; I was shocked TODAY when I reviewed my credit report with my loan officer and found late payment between XX/XX/2023 ; and XXXX to XX/XX/2023. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements, probably when i was XXXX and sick with XXXX. And also my only thought is that my monthly statement did not get to me.
Product: Debt collection

Both of my Student loans were purchased by an new Student Loan company. The previous company is still reporting delinquent payments even though it is showing a {$0.00} balance. I have reached out to both my current and previous Student Loan companies to find out why it was reporting. I first spoke to my Student Loans. After explaining the situation to them, they said I had to contact the previous company. I then, got off the phone with them and proceeded to call them. The previous company said that I had to call the current company to fix the situation. I asked both companies when the Student loan was sold or bought and no one can give me a strait answer. The only help that the previous student loan holder offered was for me to file a dispute to get this off of my credit report.
Product: Vehicle loan or lease

Capital One Auto Finance was paid in full by progressive insurance and gap coverage. but they still let these companies report false information on my report is it because they are selling my information without my consent? 

Dates : dating back since XX/XX/year> its in their records i can pull up anytime the dates Amounts : Captial One Auto Finance paid in full vehicle is in possession of XXXX insurance still showing i owe them in the amount of {$2000.00}.
Product: Debt collection

After a recent move to a new state, I changed my phone number so that I would have an area code from that state. 
Since then I have been getting an unrelenting anonymous robo-call to my voice mail asking me to call an out of state number with no explanation for what it's about. 
Usually, several times daily. 
" Blocking " did no good. 
I used an app on my phone which identified the caller as Synchrony Bank Collection Department. 
I have never done business with these people and I don't owe them ( or anyone ) anything. 

Thank you for any help with this matter.
Product: Credit reporting or other personal consumer reports

I have been a victim of ID Theft for years. I have continue to reach out to Trans Union to present my credit report and financial situation accurately. But they refused to do so. I sent them a request to verify my public records and after there investigation, I was informed that they received accurate information form the U.S. XXXX XXXX XXXX and XXXX XXXX XXXX based in XXXX. I personal went to the U.S. XXXX XXXX  and they provided me with a letter confirming I do not have any public records. As well as XXXX. I sent my documents in on XX/XX/XXXX via certified mail, and they were received on XX/XX/XXXX. I contacted Trans Union and was told after 2 days of investigation that there investigation was confirm by the U.S. XXXX XXXX XXXX. It was untrue. I am in the process of filing a monetary legal suite against Trans Union for damages because they are damaging my financial character. I am requesting an immediate solution to not pursue legal damages.
Product: Vehicle loan or lease

On XX/XX/year> I checked my consumer report and noticed I had a JPMCB AUTO FINANCE account on my Consumer Report that I did not Apply for or Authorize. I reached out to JPMC AUTO FINANCE via phone and I also reached out to them via mail as well also. No one can to seem to help me nor understand what's going on in this particular matter.
Product: Credit reporting or other personal consumer reports

My credit report shows some incorrect late payment entries. These mistakes dont reflect my normal payment behavior. Please resolve these discrepancies and update my account records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have a case with you concerning Equifax case XXXX. They mailed a letter in responses to the complaint requesting the same information I have sent for 2 yrs. They are playing game, they think if they respond to us that I will forget and drop the case but Never this is illegal and they are wrong.Please post a review of this issue and inform me and others of how to pursue Attorneys. 
What are my rights under the Fair Credit Reporting Act? 

The FCRA provides a list of consumer rights regarding individuals credit history information. Under the Fair Credit Reporting Act, you have a right to : Access to Your Credit Report The act requires credit reporting agencies to provide you with any information in your credit file upon request once a year. You must have proper identification. 
XXXX tried to do the same thing, but thanks to you consumer protection after 2 yrs of them withholding my report they mailed it to me, '' Your awesome ''. So I will wait until you win my case as always, your champs. Thank you from the top of my heart, '' all who suffer injustice by these companies thank you.
Product: Credit reporting or other personal consumer reports

See enclosed for full complaint. 

Dispute the many times I have disputed this account Transunion always send stall letters or send a generic response stating that the account is verified and accurate. Ive enclosed two forms of identification to prevent any further stall tactics from Transunion. Ive also included the dispute results that were sent to me showing that the account is verified when that is impossible because theyre updating an charged off account negatively each month
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting around   XX/XX/XXXX   I entered into a loan modification with  XXXX   XXXX . I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in   XX/XX/XXXX  ,  XXXX  continued to report that I was  30, 60, 90, a nd even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX   ;  finally showing as current beginning  XX/XX/XXXX   through   XX/XX/XXXX  .  XXXX  accepted a nominal loan amount from HUD for the amount  XXXX  indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with  XXXX  for over 2 years to correct the reporting to my credit.  XXXX  informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around   XX/XX/XXXX   I filed a dispute inquiry with   XXXX  . The result of that dispute is that  XXXX  reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to  XXXX  around   XX/XX/XXXX .  I indicated that since  XXXX  can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then  XXXX  must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than  10  business days. I received several letters from   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  and their  XXXX    XXXX   indicating that they " are unable to provide you with a response '' and they need more time. Today is the  XXXX  business day. I called  XXXX  's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in  XXXX  and that I should allow them "  XXXX  to  XXXX  more business days to locate that information. '' I sold my home at the end o f  XX/XX/XXXX   and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since  XX/XX/XXXX  related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from  XXXX  , still in the loan modification trial period.   I have additional documentation if needed.
Product: Debt collection

I am disputing an Affirm account that is not mine and was opened without my authorization. I became aware of this issue on [ XX/XX/2025 ], when I checked my XXXX  account, received a credit report, notification from Affirm, & saw it on my credit report. 

The account shows charges amounting to {$170.00} original balance that I did not make. I have never applied for an account with Affirm, nor have I authorized anyone else to do so on my behalf at that time. 

Upon discovering this issue, I took the following actions : Contacted Affirm on XX/XX/2025 to notify them of the unauthorized account. 
Requested verification and closure of the account. 
Checked my credit report and flagged the issue with XXXX. 
As of now, the issue remains unresolved, and the unauthorized account is still listed under my name. This situation is causing significant concern and potentially harming my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$530.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely 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 15 USC 1681. 


XXXX XXXX XXXX XXXX  -Has violated my rights XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX - Has violated my rights 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 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.