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

Due to my tenant at my XXXX XXXX being late I had to pay for y mortgage at the rental property and my rent in XXXX which put me in a bind. So I called my car company for a deferment which I was approved for to go on the back end. I was not informed that it would incur a late payment on mu credit. I called to get help at XXXX and due to their miscommunication I seen that I got a late payment on my credit. I would have never opted for this payment arrangement. They would not pull the call of my conversation with the representative to hear that I wasnt told that with the deferment there would incur a late payment. I would have never done this. I have tried to talk with them But they have not tried to help me fix this. They need to do a better job with telling their customers about this could happen under the payment arrangement. This has not helped me fix my credit which I am working on. I was trying to prevent a late payment occuring. This late payment dropped my credit down XXXX points. Under the arrangement I was told to pay {$440.00} on XX/XX/XXXX {$290.00} on XX/XX/XXXX. Regular payments start back up on XX/XX/XXXX. I made the payment of my XXXX on XX/XX/XXXX to end my payment arrangement because it hurt me more than helped me. Thai complaint is with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter into XXXX regarding a bankruptcy that they are reporting. I requested the removal of the bankruptcy ( Ref. # XXXX ) on my XXXX credit report due to Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on that bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). This is unacceptable and need to be removed as soon as possible. I also sent in documentation to have fraudulent addresses removed from my report and they are still showing : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, IL XXXX SINGLE FAMILY
Product: Credit card or prepaid card

On XX/XX/2022, My XXXX XXXX was compromised, and I had to payoff my Apple Card ( Golden Sacks ) account and close it because it was linked with my compromised XXXX XXXX. I was then told that I could apply for a new card using my new XXXXXXXX XXXX, so I did that. After multiple calls and miss leading information that multiple representatives provided me I was so upset and requested to withdraw the application on XX/XX/2022. Perhaps an hour after that I re-applied and patiently waited, and after 2 days the application was declined because of not being able to verify my identity. 

My identity was not compromised nor it changed and in both applications that I have applied they were declined because of not being able to verify my identity after providing twice a scanned copy of my drivers license as requested. 

When I called Golden Sacks I keep getting the run around and miss leading information. My concern now is that the first original account that was opened and approved with a {$4500.00} credit limit an unexperienced representative reported Fraud in the account and that is the reason why I am constantly getting declined. In addition, because I had to close the original account that was opened that is going to impact my Credit Bureau Reporting and drop my credit score. 

I have been miss lead, and bounced around by numerous agents and this is the worse customer service experience that I have ever had.
Product: Mortgage

Our condo ( purchased in XX/XX/XXXX ) has had two tax bills due since the loan origination date. We have paid both tax bills ourselves since no tax payment was issued by Suntrust in XXXX to the District of Columbia tax authority. 

We made the first property tax payment ourselves in XX/XX/XXXX, after realizing Suntrust had failed to make that payment. Due to the payment being made late, we paid a penalty. However, a payment of {$2600.00} is indicated as being paid in our escrow statement in XX/XX/XXXX, and that amount was deducted from our escrow balance. A review of our condo 's real property tax payments in the DC tax database confirms that no payment of {$2600.00} was paid by Suntrust, nor was a tax amount that high due to the city. It appears that Suntrust made payment on the incorrect parcel. If you search our address, except use the " XXXX '' block modifier, you can see a payment of {$2600.00} applied on the date in question. We notified Suntrust of our complaint on XX/XX/XXXX. We were promised a resolution in ten calendar days. After that time, no follow up occurred. I made multiple phone calls seeking resolution and have consistently been told someone will call me tomorrow or the next day. No calls have been received to date, except the initial confirmation call on XX/XX/XXXX. WE submitted a Qualified Request on XX/XX/XXXX and have not received a response or confirmation of receipt. 

We are currently owed {$3600.00} by Suntrust This total is comprised of the false {$2600.00} charge allegedly submitted to the DC property tax authority in XX/XX/XXXX, which was clearly never paid pursuant to publicly available records, the {$130.00} in interest and penalty that we paid due to Suntrust 's failure to pay our second half XXXX tax bill, and the duplicate {$850.00} payment made in XX/XX/XXXX. 

This is just one of a long line of problems we have had throughout the lending process.
Product: Credit card or prepaid card

I made a purchase on XX/XX/2020 and I haven't been able to make any more purchases since..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, XXXX was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to XXXX over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement XXXX was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. XXXX continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX XXXX XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and XXXX XXXX blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn
Product: Checking or savings account

On several occasions during the past years I have been charged over draft fees when I know when I made the purchase. I had the money in the bank. It seems like Wells Fargo waited to my phone 's got low and then put the charges through and that's happened several times. I would say at least 10 times in the last 2 years. And I was charged XXXX XXXX dollars if not more each time
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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX holds the former VA Land Contract   on a home I have owned for 20 years. I am XXXX years old and now want to part with this property. I have had it up for sale for a few months and now have a CASH offer which would not only pay off my loan but provide some extra cash for my wife and myself during our retirement. When I went to get a payoff the company had the WRONG address as being the property under loan. Then when we went to close, they said it would take 2-3 weeks to provide a deed even after the payoff was received. They have literally just about lost this sale for us and I am extremely upset as I have been paying this company 7.5 % on this loan for years. What can I do?
Product: Credit reporting or other personal consumer reports

I wrote EQUIFAX on XX/XX/XXXX. I sent my disputes certified mail. This company has not responded in the past 45 days. 

I have recently become aware of several unauthorized inquiries on my credit report that I do not recognize. I have not conducted any business with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Account Number ( XXXX ) Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.
Product: Debt collection

Around XXXX XXXX 2020 XXXX XXXX  charged me {$910.00} for a Covid- 19 test and I was XXXX XXXX military at the time ( the company should have bill XXXX ). 

KLS Financial Service Violated 604 15 USC 1681B 15 USC 1692g 15 USC 1666b 15 USC 1681a
Product: Debt collection

I wish to express my non-consent to engage in electronic communications and kindly request that all responses regarding this matter be communicated in writing through the United States Postal Service ( USPS ). As the complainant, I hereby authorize the Consumer Financial Protection Bureau ( CFPB ) to conduct a comprehensive investigation into the claim. In alignment with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), I maintain the entitlement to dispute and seek the removal of inaccurate or unverifiable information from my credit report. Despite earnest efforts to obtain verification, the information provided has proven inadequate to substantiate the legitimacy of the purported debt. I respectfully urge a thorough review of this dispute, prompt attention to this matter, and the expeditious removal of the contested entry from my credit file. Additionally, I kindly request any available information regarding the steps taken to verify this debt. Your consideration and prompt response to this formal request are greatly appreciated. The details of the disputed debt are : XXXX XXXX XXXX  XXXX. Please remove this fraudulent account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, account and # XXXX has violated my rights. 

15.U.S.C 1681 section 602 A : states the rights to privacy 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a problem reporting on my student loan. I am currently in the income based repayment plan and have been been since XX/XX/2020. There should not be any late payments reporting on XXXX, Equifax and XXXX on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account type : Installment XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX XXXX XXXX Account type : Installment I also noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from Equifax, XXXX and XXXX as well. 

XXXX XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process. Credit report is attached. Thank you.
Product: Checking or savings account

I am writing to report a serious issue with Chime Bank regarding the unauthorized deduction of {$5000.00} from my account. Despite my repeated attempts to resolve this matter with the bank, I have been met with unhelpful responses and delays. 

On XX/XX/year>, Chime Bank deducted {$5000.00} from my account immediately after I made a transfer. I followed all requested identity verification procedures, provided the necessary documentation, and cooperated with their requests for information on the sender and recipient of the funds. Despite my compliance, Chime Bank continues to withhold my funds and accuses me of violating the Deposit section without providing any evidence or explanation. 

I have contacted Chime Bank numerous times, both through phone calls and emails, sending over XXXX emails in total. However, I have not received a satisfactory resolution to this issue. I feel frustrated and helpless as Chime Bank repeatedly gives me the runaround and refuses to provide any proof of my alleged violation. 

I am seeking your intervention and assistance in investigating this matter and ensuring that Chime Bank returns the {$5000.00} that was wrongfully taken from my account. I can send attached copies of my communications with the bank and any relevant documentation for your review.
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. I submitted a dispute against the following account : Creditor : XXXX XXXX XXXX XXXX Type : Collection Status Date : XX/XX/2025 Amount : {$3200.00} 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. S 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.
Product: Checking or savings account

Dear CFPB, For some reason, sometimes my bank " w # lls fargo '' back charges fees., for example today is XX/XX/2023. I go back a few days, I do not see a banking fee charge on XX/XX/2023 as usual., however, tomorrow XX/XX/XXXX, I may go back to the XXXX or XXXX, I may then see the expected charge ( e.g. {$15.00} USD ). 

Wells Fago is located by my usual home residence in the XXXX zip code XXXX XXXX, XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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: Student loan

I was a student at XXXX XXXX XXXX XXXX  the fall of XX/XX/XXXX. I arrived on campus XX/XX/XXXX. During that time, I do not recall applying for a loan. Also during that time my wallet was stolen with some of my valuable information in it. I left campus going home on XX/XX/XXXX. Navient is telling me that I owe for a loan I applied for and when asked for the paperwork to back it up no one ever sends it to me. Please help me because they're constantly calling and sending letters but not with the information requested.
Product: Debt collection

Hello, I haven't had the car insurance company in more than a year and I only had them at the beginning of me purchasing my vehicle and I paid them everything I had to pay for the time that I had the insurance than I canceled it because I can't pay them the money that were asking me for monthly and all of this was done by an agent. I told the agent that I would not be having them as a company and I would be finding another insurance company. I am also looking at my consumer report and it doesn't show that I have debt with progressive so I have no clue where that debt is coming from. the amount they are asking me for is XXXX and they say that I must pay them XXXX dollars by XXXX and I just received this letter. the actions that was taking by this company was going getting a letter from a debt collector.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information even after my repeated attempts to get the information deleted. My name is XXXX XXXX there should be no other names listed. I have previously requested this name change and neither consumer agency complies. My address is XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my consumer report. The consumer agencies keeps replying that I need to contact various other creditors to have the information removed and that is not correct it is my job to validate or prove the information is correct this jobs lies with the consumer agencies since they are the ones reporting it. Since neither provided me with evidence to prove its correct I have filed arbitration against each consumer agency this is now your notice to pay the filing fees involved in which you will be notified of the proceeding.
Product: Credit reporting or other personal consumer reports

I am reaching out to express my ongoing concern regarding the unresolved matters pertaining to my recent fraud claim. While I acknowledge your admission of responsibility and the resolution in my favor, I must convey my serious disappointment with the insufficient response received thus far. 

Upon reviewing my credit report today, I discovered that Synchrony Bank is still listed, despite confirming the fraudulent nature of the claim on XX/XX/2023. Under legal obligations, financial institutions are mandated to promptly report instances of fraud to credit agencies. Unfortunately, I observed that Synchrony Bank failed to notify XXXX, even after the resolution of my fraud claim in XX/XX/2023. It's important to note that this neglect is violation of the Fair Credit Reporting Act ( FCRA ), a federal law that prohibits creditors from furnishing inaccurate information to credit reporting bureaus. 

This oversight has significantly impacted my financial standing. The delayed correction of the fraudulent activity has adversely affected my credit score, prompting a three-month pause in my business activities to engage credit repair services. Consequently, my credit score, consistently in the XXXX, plummeted to XXXX due to a harsh pull initiated by Synchrony Bank. The financial losses incurred and the disruption to my business operations are substantial, considering the severity of the identity theft. 

The origin of this incident, stemming from a routine XXXX XXXX appointment, highlights the unexpected and distressing nature of this identity theft. The gravity of the damages caused can not be overstated. 

Upon contacting XXXX, it was confirmed that Synchrony Bank failed to fulfill its legal obligation to report the fraud, exacerbating the adverse impact on my credit score.

I believe in the importance of resolving this matter amicably and trust that Synchrony Bank will take swift action to rectify the credit reporting issue and provide the requested compensation. However, I must emphasize that, regrettably, I will have no option but to pursue legal action if these concerns are not adequately addressed.