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

police report numbers : XXXX and XXXX I am writing to formally report significant issues with a credit reporting agency concerning multiple inaccuracies present on my credit report and to request the removal of this erroneous information. 
I contest the following inquiries that must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that the following accounts be added back to my credit report, as they have been paid as agreed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I must emphasize the erroneous bankruptcy filing that XXXX has claimed to verify. The XXXX XXXX XXXX has confirmed that it **does not verify information to third parties**. This situation raises significant legal concerns under both **15 U.S.C. 1681e ( b ) **, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported, as well as my constitutional right to due process under the **Fifth and Fourteenth Amendments** of the United States Constitution . These rights guarantee that I am entitled to accurate information being reported about me and that I have the right to challenge any inaccuracies. 
Additionally, under international law principles, including those reflected in the **Universal Declaration of Human Rights ( UDHR ) ** and the **International Covenant on Civil and Political Rights ( ICCPR ) **, individuals are entitled to privacy and the protection of their personal data. The failure to rectify inaccurate information in my credit report operates contrary to these fundamental rights, thereby violating not only domestic legislation but also international standards of justice and fairness. 
Given these circumstances, I hereby request the immediate : XXXX. Removal of the inaccurate inquiries from my credit report. 
XXXX. Addition of the accounts ( XXXX XXXX, XXXX XXXX, XXXX ) that have been paid as agreed. 
XXXX. Removal of the erroneous bankruptcy filing from my consumer reports. 
I have provided a police report to the credit reporting agency substantiating my claims regarding these inaccuracies, but despite my efforts to resolve these issues directly with them, no action has been taken. These inaccuracies have severely impacted my credit score and overall creditworthiness.

Attached are copies of the police report and my correspondence with the credit reporting agency for your review.

Thank you for your attention to this urgent matter. I look forward to your prompt assistance to ensure the rectification of my credit report in accordance with both domestic and international legal standards.
Product: Credit card

Hello, my name is XXXX XXXX on XX/XX/, 2025 I I had an alert from the credit bureau saying that I had received a30 day late filed by AVA financing. I never applied for an AVA financing credit card. I think there has been a fraudulent action taken Ive never used this card so I dont know what else to do. I truly appreciate your help. Thank you.
Product: Credit reporting or other personal consumer reports

I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to XXXX XXXXXXXX, yet these inquiries still appeared on my current report.
Product: Debt collection

High Desert Creditors is listing that I owe XXXX from a medical debt that I have from taking my daughter to the doctor when we had medical insurance. When I call to verify the amount they say I owe {$2500.00} in which does not report on my credit. When I called today I was told that it is legal for them to charge 10 % interest on top of my debt and the interest gets charged by the year. 

I had medical insurance when this debt was created in which Ive already proved. The company will not remove this from my credit and keeps increasing the amount I owe.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account :, XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an XXXX XXXX XXXX  # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, recently pulled my credit report and have found these debts to be inaccurate, fair and substantiated. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. These negative listings on my credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Voluntary repossesion surrendered to XXXX XXXX  1. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
2. Agreement with your client thatauthorizesyoutocollectonthisalleged debt.

3. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
Product: Vehicle loan or lease

I have a vehicle loan with XXXX XXXX XXXX from XXXX of 2020. When I took out the loan the price started at around {$22000.00}, I put {$5700.00} down, after the taxes and tags, the finance was at $ XXXX. At 72 months. The dealer swindled me and talked so fast I could barely understand what he was saying or doing, but I had no vehicle and and a credit score at roughly 600 with no co-signer. So I agreed to whatever the terms were. I was explained my payment would be over {$500.00} a month and I was only making {$1900.00} a month at the time, so I tried to find a better job so I could pay it off quicker and be able to afford my life. 
Just as soon as I found a new job covid swept in. I worked from home a lot with XXXX kids, and eventually was no longer able to keep up with some payments due to lack of work. I explained to the company what was going on and they kept saying theyd notate the account and pay what I could. I missed full payments for about 4 solid months, and I continued to contact each month for an update. As soon as I began work again, I called to schedule a promise, and the day of payment they repossessed the vehicle in the night. 
It took me 7 days to get the vehicle back even though it had been released already. I spent another {$950.00} for a rental for those seven days so I could get to work. 
I asked what my loan payoff was at this time and they tell me its $ XXXX!!!!!!!!! 
I said put {$5700.00} down ; Ive paid {$520.00} a month since XXXX of 2020 other than those few months and somehow my loan is still at almost {$22000.00}?? Something sounds completely off here. Then the rep proceeds to tell me I was charged {$14000.00} finance surcharge that I wasnt aware of and was told my APR was raised and I was never given the rate.

At this point I dont even know what Ive paid to interest or principal or how theyre calculating it. All I know is now I owe {$740.00} a month for 24 to bring whatever fees and interest current from being late for 4 months straight. 

This company is completely predatory and they are not here for their customers.
Product: Credit card

American Express frequently sends me offers that include benefits like Return Protection. I began using my Amex card exclusively for large purchases because of the suite of benefits that it advertises. When I attempted to use the protection benefit after I changed my mind on a watch strap purchase that, per the store 's policy, can not be returned, American Express refused to honor their benefit. In their words, my watch strap was excluded because it is considered a watch or jewelry. I read their benefit terms and conditions very closely, and I appealed their decision, arguing that a watch strap is neither a watch nor jewelry according to multiple common definitions. Amex refuses to follow common definitions and instead lumps this into a jewelry/watch purchase for the purpose of avoiding having to honor their protection benefit. 

I feel this is deceptive advertising to lure customers into using their credit cards with intent to avoid providing their customers with promised protections whenever they can loosely categorize a purchase into one of their excluded categories. A watch strap is no more a watch or jewelry than a power cord is a tv or laptop or a shoelace is a shoe. 

I 've learned my lesson not to trust Amex 's " benefits '' but I still feel this matter is unresolved.
Product: Credit card

XX/XX/scrub>XXXX XXXX XXXX I was notified through my Barclay 's app that there were potentially fraudulent charges on my AAdvantage Aviator Red World Elite Mastercard account. When I called the fraud department, they consistently addressed me by the wrong pronouns, I'm use to it I smoked for years and sound manly. Initially they made it seem like the problem could be fixed quickly over the phone, but after several times of having to tell them that I am the primary account holder and that I am female, they then told me I would have to either fax or mail them a copy of my Driver 's license, social security card, and a utility bill. I feel that I was discriminated against because of my assumed gender not matching what they thought it should be.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint against TransUnion due to their handling of a disputed account on my credit report, which they have inaccurately re-aged, suggesting a recent late payment. This action is misleading, incorrect, and has significantly harmed my creditworthiness, directly impacting my financial stability and ability to secure essential financial services. 

Furthermore, I wish to highlight my previous attempt to resolve an issue with XXXX XXXX XXXX XXXX. On XX/XX/year>, I sent a certified mail requesting validation of a disputed account, as per the Fair Credit Reporting Act ( FCRA ) requirements. Despite the legal obligation to respond within 30 days, I have not received any form of acknowledgment or response, further compounding the inaccuracies on my credit report. 

This complaint underlines the failure of TransUnion and XXXX XXXX XXXX XXXX to adhere to FCRA guidelines, resulting in severe personal and financial repercussions for me. As a diligent consumer who has not missed a single payment in over five years, and as a single father striving to provide for my family, I urgently request the CFPB 's assistance in investigating these matters and ensuring the correction of my credit report. 

Enclosed are all relevant documents, including copies of the certified mail sent to XXXX XXXX XXXX XXXX, and evidence of the disputed account with TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these distressing issues.
Product: Checking or savings account

Wells Fargo has been reordering my debit card transactions, often processing the largest transactions first instead of posting them in the order they were made. This practice has caused my account to overdraft unnecessarily, resulting in multiple overdraft fees being charged in a single day. This is despite the fact that, had the transactions been processed chronologically, I would have incurred far fewer ( or no ) overdraft fees. 

For example : On XX/XX/XXXX through XX/XX/XXXX, Wells Fargo resequenced my transactions by prioritizing larger charges over smaller ones. 
As a result, I was charged in overdraft fees, even though my account balance would have covered several smaller transactions had they been processed in the order they occurred. 
This resequencing practice feels deceptive and unfair, as it appears designed to maximize fees at my expense. 

Steps I Have Taken : I contacted Wells Fargo customer service on XX/XX/XXXX to dispute these charges and request a refund. Unfortunately, my concerns were not adequately addressed, and I was told this was standard policy. 
I reviewed Wells Fargos transaction posting policy and found that it does not clearly disclose the impact of resequencing on customers.

Desired Resolution : I request that the CFPB investigate Wells Fargos debit resequencing practices to ensure they are transparent and fair to customers. Specifically, I would like : A refund of the overdraft fees charged to my account as a direct result of resequencing practices.

A review of Wells Fargos policies to prevent such practices from causing unnecessary financial harm to other customers.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I HAVE REACHED OUT TO CREDITORS AND REPORTING AGENCIES TELLING THEM I AM A VICTIM OF IDENTITY THEFT AND TO REMOVE ALL UNAUTHORIZED PHONE NUMBERS, ADDRESSES AND INFORMATION REGARDING ALLEGED ACCOUNTS I ASKED FOR PROOF OF SIGNATURE AND PROOF I RECEIVED INFORMATION THAT A DEBT WAS OWED VIA CERTIFIED MAIL AND I NEVER RECEIVED ANYTHING, 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

This complaint is regarding the $ XXXX bill from XXXX XXXX at the XXXX , Ohio address on XXXX XXXX XXXX XXXX in 2018. 
This was an apartment complex I was living in up until XX/XX/2018. I was moving to another city and the new tenant was moving in to my apartment. The property management company had assured me the utilities would be changed over to the new tenant at the start of her lease.

This did not happen until two months later and now I'm seeing  this bill on my credit report and can not get it off. My complaint is not that it's a fraudulent bill, but rather tht I never received the bill at the correct forwarding address. XXXX and XXXX XXXX both claim to have sent the final bill to an ( incorrect ) forwarding address in XXXX. 
Not living at the address they sent it to, I never received the bill or knew about it. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. 
I'll gladly pay XXXX at this point if they're able to completely remove the bill from collections. But it's not right that because they sent the bill to the wrong address therefore my credit report is being punished. I've had no luck speaking with managers of both the XXXX XXXX and XXXX XXXX.
Product: Credit card

I am a customer of Bank of America. I have XXXX separate credit cards. Back in XXXX I was in need of cash and was checking interest rates and fees with each of my credit cards for cash advances. I chatted with XXXX different Bank of America agents before I did the cash advances and I asked some simple questions : " What is the interest rate for a cash advance? Is there a transaction fee? What is the fee? What methods can I use to get the cash ( bank, atm, direct deposit )? 

At that time, XXXX agents I chatted with informed me that I would be a charged a very large fee of 5 % but they told me I would get a 0 % promotional interest rate until XX/XX/XXXX. Based on this information I went ahead with the XXXX cash advances totaling {$11000.00}. I was charged the 5 % fee as expected however when I got my next statements I was charged a very large amount of interest. I contacted Bank of America and the first agent denied my request to have the interest refunded. They said they needed proof that I was promised a 0 % APR that can be used at a bank or atm. I was accused of lying and was told that there was no way they told me they would give me 0 % for a cash advance. I did n't save those chat logs. 

Due to this, I did an experiment last Tuesday ( XX/XX/XXXX ) and I went online and enacted a total of XXXX chats with Bank of America through your website. The first chat I was n't provided any information and I saved the subsequent XXXX chats. Of those XXXX chats, only XXXX agent could answer my questions correctly. XXXX of the XXXX agents gave me incorrect information. XXXX of the agents informed me that I could get the 0 % APR with a cash advance through a bank teller or atm. XXXX agent told me I could get a 5 % interest rate with a {$10.00} FIXED fee. 

This was very alarming to me and I was hurt by misinformation given to me by Bank of America. I am sure many other customers have also been hurt by being given misinformation. My goal is to make sure no other customers are hurt by agents giving them incorrect information like offering a 0 % interest rate when the actual rate is 24.99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax without my permission pursuant 15 USC 1681 ( B ) furnished information on my behalf. They also violate another federal laws stating They CAN NOT report/treat a payment on an open-ended credit plan as late for any reason per 15 USC 1666 ( B ). That is exactly what they did with 3 negatives reporting on this account : XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX of listed late payments
Product: Checking or savings account

Direct deposit from my employer has not been released in my account due to a technical issue per Capital One Bank. The deposit should have been available on my payday XX/XX/year>. Unable to speak to a representative. The phone hangs up after requesting to speak to someone.
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXX in the amount of {$170.00} and indicated to charge my XXXX in error which I immediately change to my XXXXXXXX XXXX on file. My confirmation of the purchase indicated the XXXX was to be charged, however both accounts were charged. I disputed the charge on XX/XX/XXXX. I received a letter dated XX/XX/XXXX requesting more information which I sent on XX/XX/XXXX together with a letter outlining what had happened. I then sent a second letter on XX/XX/XXXX and a third letter on XX/XX/XXXX. I also had called several times and was told the dispute was in process but never received anything in writing. I also during this time had another dispute which was resolved quickly however may have led to confusion concerning this dispute. I have requested by XXXX account to be refunded. Order # XXXX
Product: Student loan

I am having major issues with Navient misallocating my payments. 
Here is what I sent to Navient customer service on XX/XX/XXXX : Hello, Whenever I got to make a payment, how come it only lets me pay the interest? I noticed that my payment on XX/XX/XXXX, {$260.00} when to capital and {$84.00} went to interest. On XXXX, the entire payment went toward interest. Then, on my last payment, I wanted to make sure I was paying mostly on capital, but only {$36.00} went toward capital and the rest went toward interest. Why is this? Is there not an option to just apply the payment toward capital? 
Thank you! 
-XXXX  XXXX I never received a response.In the meantime, I have continued making payments. In XXXX, I applied for the income-based repayment plan because I had no choice ( I work for a nonprofit making $ XXXX/yr ). This is when I noticed that my payments began applying to interest instead of the unpaid capital. Apparently, the lower your payments ( with the income-based repayment plan ), the less you are allowed to pay toward unpaid principal. I was not provided with this information while applying. In fact, I wasn't provided with any. How is this even legal? I have made seven payments since I have had to start repaying my loans, most of which were double payments, and my debt has only increased. I understand how interest works, however, if you do the math, I will never be able to pay it off unless I pay in full. At this point, I am willing to co-sign and pay hundreds each month by refinancing if it means getting away from Navient. They have systematically trapped me into a mountain of debt.
Product: Debt collection

I recently received a debt collection notice from this company. I work long hours and I am requesting no phone calls and to be communicated with in writing only.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Due to this breach, these accounts are the result of fraudulent activity, and I am requesting their immediate removal and blocking to protect my credit rights. 
The following account details were included in the breach : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$310.00} Inquiries : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX
Product: Credit card

Purchases a XXXX XXXX  lawnmower for {$3.00} XXXX on XX/XX/XXXX upon delivery the lawnmower was broken so we returned it to the store. On XX/XX/XXXX Lowes gave a credit in the amount of {$3100.00}. Leaving a difference of {$380.00}. We contacted them SEVERAL TIMES but nothing happened. My credit report dropped XXXX points because of the increase so I contacted them again on XX/XX/XXXX spoke with Name XXXX XXXX Id : XXXX Will submit to credit bureau Real balance is {$660.00} Who also contacted the Service Warranty department. Still today XX/XX/2023 Im being charged for a warranty for a return item and paying interest. I dont know what to do! My credit has suffered and I am suffering financially and I have no one to help! I dont have money for a lawyer please help!