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

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX {$2800.00} DEPT OF EDUCATIONXXXX XXXXXXXX XXXX  : {$4800.00} DEPT OF EDUCATION/XXXX XXXXXXXXXXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the complaint and summons to XXXX and Equifax for continuing to report fraudulent accounts that do not belong to be or any transactions associated with my name and social security number. I have attached the complaint and summons from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to this CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed a payment with Discover Card due to having COVID-19. The charge was for a promotional service who automatically charge my card for {$10.00}. When I became aware this account was past due I made a payment right away on XX/XX/XXXX. I called Discover and explained I had COVID and was not aware of this charge. They removed the late fee and said they would update my account. Instead of updating my account they reported me late to the credit bureau and now my credit was reduced by over 50pts. I disputed the late payment through XXXX and Discover reported I was late and it should remain on my account. I called Discover on XX/XX/XXXX asking if they could remove this from account due to me having COVID along with me being a loyal customer for over 20 years. They told me no because it was not their error. I explained again the payment was missed due to me having COVID and not being able to check my mail they refused to remove it.
Product: Debt collection

XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified if this collection is an action nor that I owed the debt. 
This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. 
I ask that you prove that I am indeed the party to whom you are contractually bound to pay off this debt or stop collection activity and remove it all together. 


Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
An agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

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

I'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX  XXXX. DPT EDXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my credit report showed I had a late payment for my XXXX XXXX account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for XXXX. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my XXXX XXXX account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my XXXX XXXX account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from XXXX using my credit card during XXXX, XXXX, XXXX, or XX/XX/2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.
Product: Credit reporting or other personal consumer reports

Bridgecrest has failed to Furnish evidence that their reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion on privacy, Pursuant to 16 CFR 444.4 an Unfair act of practice Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late payments. Statements are hearsay in the court of law.
Product: Bank account or service

I have a checking and savings account with Wells Fargo as well as a credit card through them ( which I did not ask for, but that 's a separate complaint ). I get paid on Fridays and over the weekend I made several purchases which posted as they were meant to on Monday. On Monday evening I logged into my online banking to check my account before sending {$20.00} to my credit card and then making a purchase with money I sent from my savings account. This morning I saw that my purchase had been shipped and so I logged in to my Wells Fargo online banking only to find an overdraft of {$35.00} on my account ostensibly for the {$20.00} I had sent to my credit card the night before. I have attached a screenshot of my online banking taken around XXXX on XXXX/XXXX/16. 
When I called Wells Fargo to ask them to explain why they had allowed a payment from that account ( I have it set to decline any charge which would cause an overdraft, something which they have repeatedly abused ) if there was n't the {$20.00} in that account, they said that after that charge, which on the online system is listed as the cause for that overdraft fee ( not the other purchase I made, which posted on Tuesday ), I had {$13.00} left in that account but they were not authorized to refund me the overdraft fee, even though it was clearly and obviously fradulent. 
Now, because I have a {$35.00} overdraft fee I ca n't cover the purchase that went through Tuesday, and will have to get another {$35.00} fee on that purchase. I 'm going to try to go into my local branch but you 'd think that a ), they would n't have let the payment to my credit card go through if that money was n't in the account ( which there was ), and b ), would either have been able to refund me the {$35.00} overdraft fee so that I could pay for the new charge, or at the very least, c ), would cancel the new charge so that I could resolve the problem without incurring a second overdraft charge. This is RIDICULOUS, and it happens with Wells Fargo all the time. 
In addition to this latest outrage, I have caught them several times re-enrolling me in the system that allows overdrafts to happen, a system which is legally supposed to be opt-in, not opt-out. I 'm about to move on to a credit union, but I 'm on a budget and I simply ca n't afford another spurious overdraft fee. Thanks for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States that a Consumer Reporting Agency can not furnish a account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

I called into Onemain Financial XXXX XXXX XXXX, Nevada days before my loan payment was due to change the payment date and to have the add-on XXXX insurance remove. The loan is due on the XXXX of the month the change would have been made to the XXXX of the month. I was sent an confirmation email agreement for the change to the XXXX and text messages. I was also told the XXXX insurance could not be remove even though it was voluntary. The payment was taken out on the XXXX the wrong date. I called the company and told them what happened and was told it was their mistake, but there was nothing they could do. They're sorry for the mistake. I needed to contact my bank to resolve the problem. This has over drawn my account by {$310.00} plus per day {$35.00} fees for four days. I need help I don't know what to do about this company.
Product: Credit reporting or other personal consumer reports

Equifax These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the XXXX XXXX regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Mortgage

Our mortgage company apparently processes and takes payments from anyone. We were notified on XX/XX/XXXX by our mortgage company that we had been delinquent on two payments. This was shocking to us and we immediately got on the phone with them to understand the issue, as we have our account set-up for autopayment. 

When we contacted them, we were notified that the wrong person had paid our mortgage in XXXX, so there was a double payment made in the month of XXXX. Without any notice to us, they rescinded the XXXX payment from the other person, and applied the payment we had made for the monthly XXXX payment to XXXX, leaving us with XXXX unpaid. We learned none of this until XX/XX/XXXX when we received a letter. The company never contacted us for the mis payment, nor explained to us how someone else could make a payment on our account. 

They then proceeded to send us another letter on XX/XX/XXXX letting us know of our options to avoid foreclosure. This was additionally horrifying as we had just made a payment for 2 months, without any of this being brought to our attention in the first place. 

The intimidation and scare tactics that are used by this company are horrifying, and even more ghastly is the fact that they can not answer how this mixup could happen in the first place ( audit much?? )
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

The following companies have pulled my credit. I suspect someone stole my identity because I have not applied to any of these companies : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( TWICE REPORTED ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( THREE TIMES )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of XXXX I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company XXXX XXXX XXXX and XXXX as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit card or prepaid card

I've called AMEX to understand why they assessed multiple late charges and then sent the account to collection agency when my card is a corporate AMEX and not my responsibility.
Product: Credit reporting or other personal consumer reports

o whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
Product: Debt collection

Sold my debt ( in their words transferred ) to third party company. Did not contact me to notify me of change. When contacted to find out why I was not able to pay my bill online, XXXX XXXX was extremely rude, unprofessional and disrespectful upon me inquiring about the companies failure to communicate details of my account being transferred. He insisted on informing me that it was the new companies responsibility to contact me in reference to the change. Upon calling back to speak with XXXX XXXX, the receptionist XXXX was just as hostile and rude as XXXX and even refused to give me the address of the company and information related to my account. Ive dealt with this company for over a year and its been the a constant aggressive disrespectful culture across their company with zero ethics. My original account representative XXXX XXXX XXXX displayed the same unprofessional tactics as the individuals listed above. I reported her to management in 2016.
Product: Debt collection

On XX/XX/XXXX, I initially reached out to Jefferson Capital and requested verification of the debt in question on account XXXX for XXXX XXXX. In response, they sent me one statement, but it did not provide sufficient evidence to confirm that I owed the debt. 

Following this, I called Jefferson Capital to request additional documentation to substantiate the debt. However, I did not receive any further information or documents. 

On XX/XX/XXXX, I sent a written follow-up request by mail, explicitly asking for the purchase agreement for the debt and requesting that the documentation be sent within 30 days. As of today, I have not received the requested information. 

I am seeking the CFPB 's assistance to address this issue and ensure that Jefferson Capital complies with my request for proper debt verification as required by law.
Product: Prepaid card

I attempted to use the card to pay for my child 's tuition in the amount of {$500.00} on XX/XX/XXXX and the transaction was declined. Somehow this triggered an automatic credit by the school for {$500.00}. The starting balance of the gift card was {$500.00}. After the credit, it was {$1000.00}. The card issuer froze the card and made it unavailable for use. When I contacted them by phone on XX/XX/XXXX, the representative advised that the card was frozen due to the amount exceeding the card balance. They said it will take XXXX months to resolve this issue, which sounds extremely excessive and unreasonable. I am concerned if this is legally allowed. 

I emailed them on XX/XX/XXXX and XXXX with the receipt showing the credit that was issued by the vendor due to the declined transaction. I explained to them previously that there was no purchase receipt because on the vendor 's side, the transaction never posted. 

When I called them today to follow up ( XX/XX/XXXX ), they said the case was closed because they did not have the purchase receipt. I was never contacted with this update. 

As well, I had other gift cards by this issuer that have been extremely difficult to use in standard transactions. Because they were gifted to me, I am stuck with them.
Product: Checking or savings account

Two of my checks were stolen from a postal mail box and altered then cashed for a total of {$7200.00}. I notified Key Bank and filed an affidavit stating that I did'nt maintain a check register so I was'nt positive about the original amounts or the payees but I was positive that I had'nt written them for that amount or to the person who cashed them. I filed a police report as I was instructed and followed up with both local and New York State Police. Initial I was told it would be approximately 90 days before I received my money. I contacted the Key Bank fraud dept. only to be told it would be 90 days from the time they referred the matter to XXXXXXXX XXXX ( Where the fraudulent checks were cashed ) On XXXX XXXX the New York State Police arrested the suspect and charged him/her with Possession of a Forged Instrument, Grand Larceny 3rd. I notified Key Bank fraud and spoke with XXXX and was then told my claim was denied because I did'nt maintain a check register as proof. I ask why I was'nt told this initially and that the suspects arrest should be proof of the fraud. The answer I got was too bad better luck next time ... .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current employer is : XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.
Product: Checking or savings account

XX/XX/year> I had my payroll transferred from discover bank to capital one bank the next day my account was restricted and funds being hold due to unusual activity its been 3 months now I cant get any reason why there holding my funds this long they decided to end banking relationship with me but are still holding my funds im not getting any information till when my funds will be available
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 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2023 at XXXX open an online account -- deposited XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple CFPB complaints I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent acccounts on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I am requesting that you remove the following fraudulent accounts completely from my Credit File : TRANSUNION : XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$1100.00}
Product: Debt collection

i was supposed to be refunded {$710.00} via check and the company has not sent it out