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

PNC Will not let me link my account to XXXX or XXXX for seemingly no reason. An error just occurs every time I log in to link my account. XXXX poor from PNC. I am not happy.
Product: Credit card or prepaid card

I am writing this letter to file a complaint against PNC for repeatedly putting back the disputed information on my credit report. I have filed multiple disputes with PNC regarding incorrect information that was reported to the credit bureaus. However, despite my repeated efforts to get the information corrected, PNC has consistently failed to update my credit report and has instead put the disputed information back on my report multiple times. This has caused significant damage to my credit score and has affected my ability to obtain credit and loans. Despite my best efforts to work with PNC and resolve this issue, they have repeatedly failed to take the necessary actions to correct my credit report. I request that PNC take immediate action to correct my credit report and remove the disputed information once and for all. Additionally, I would appreciate it if you could provide me with written confirmation that this matter has been resolved.
Product: Credit reporting or other personal consumer reports

I NEED THESE ACCOUNTS TO BE DELETED XXXX XXXX XXXX XXXX  Balance : {$0.00} DEPT OF ED XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting  XXXX   XXXX  as a duplicate account already paid and closed.
Product: Debt collection

SOURCE RECVB has been on my credit report for sometime for {$110.00} I never knew to owe any company {$110.00}. This debt is said to come from sprint but its being reported as SOURCE RECVB. I do not owe them anything and I don't even know them. This is unacceptable I never gave consent for this to be on my credit report.
Product: Checking or savings account

On XX/XX/20 I scheduled an ACH pull from my JP Morgan Chase savings account to my XXXX XXXX savings account in the amount of {$13000.00}. This was scheduled through XXXX XXXX. The transaction was completed normally on XX/XX/20 however XXXX froze all ability to transfer to/from my accounts. XXXX stated this was because the wrong name was on the login because my Chase account is only in my name but my XXXX account is a joint account. They have conducted multiple transfers previously between account with only my name so this did not make sense, but we resolved the issue with a phone call. However, XXXX stated that they would have to reverse the ACH transfer back to Chase, which occurred on XX/XX/20. 

The funds never appeared back in my Chase Savings account. I called Chase customer service and they stated there was nothing they could do because they couldn't see the transaction. I called XXXX and they stated they would investigate and have a supervisor call me back with a resolution, but no one ever called. I called XXXX again and was put through the exact same conversation as before and was then told they couldn't do anything to help me.
Product: Debt collection

I recently received a letter from a company that appears to be fraudulent/ illegitimate. The letter was stating it was collecting for the auto insurance company I cancelled months ago after they refused to take payment for the policy that was set up for autopay out of my checking account. That part I am reaching out to a private attorney about for legal assistance. I XXXX the company when I received the letter 2 days ago and people were warning to contact their state attorney general office which I did here in Minnesota and they have record of my report to them and advised I reach out to the Federal trade commission which routed me to you and also that I should reach out the US postal inspection service as well. Which I will be. If there is anything further you need from me please let me know. Thank you.
Product: Debt collection

Made several calls to XXXX customer service about not being able to return equipment. Equipment was returned and Collections Dept. said it would be removed. Debt had been removed from credit and collection agency and now has been re-reported in XXXX through Diversified Consultants INC even though XXXX removed it a second time. Spoke with billing again and agent XXXX said equipment was received and would escalate. This is the third time this statement is made. They have received the equipment and refuse to remove this. Agent provided Serial Number to verify equipment was received. # XXXX.
Product: Credit card or prepaid card

A fraudulent charge was made on my Wells Fargo account by XXXX for the amount of {$15.00} on XX/XX/2022 and again on XX/XX/2022. I disputed both charges and requested a new credit card. I have since received my new card ( have not activated it ) and today I received another message stating there is a charge from XXXX in the amount of {$15.00}. I contacted Wells Fargo and I asked to close my credit card account and disputed the charge. I was given the run around when I asked to go ahead and close the credit card account. The first 2 disputes are still in process. I have asked for an update and was not given one and told to call back when the claims department is open. I don't use this credit card at all my XXXX account is linked to a different credit card.
Product: Credit reporting or other personal consumer reports

According to my most recent credit report, your company is continuing to report unauthorized inquiries even after my dispute letter that was sent on XX/XX/2024. I did not grant any organization authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. The creditor and the CRA 's failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I am once again demanding that the following inquiries are deleted from 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 EQUIFAX
Product: Bank account or service

I have requested the Consumer Financial Protection Bureaus assistance in investigating direct deposit reversals from my account to determine if they were Unauthorized Electronic Fund Transfers. 

In monthly bank statements provided to me by the bank I identified more than $ 10K in direct deposit reversals. 

When I looked up the guidelines for when direct deposit reversals are permitted I found the Federal Reserve Regulation E Supplement I to Part 205 -- Official Staff Interpretations : 5. Reversal of direct deposits. The reversal of a direct deposit made in error is not an unauthorized EFT when it involves : i. A credit made to the wrong consumer 's account ; ii. A duplicate credit made to a consumer 's account ; or iii. A credit in the wrong amount ( for example, when the amount credited to the consumer 's account differs from the amount in the transmittal instructions ). 

The originator never made any of these claims when asked about the reversals. See the attached documents. 

Because these were unauthorized withdrawals, I would like the bank to return the withdrawn funds to my account and prevent the originator from performing any further withdrawals from my accounts.
Product: Credit reporting or other personal consumer reports

On XXXX/2025 I reviewed my credit report and I noticed that despite my ongoing efforts and certified submitted disputes that Experian has disregarded my disputes failed to properly investigate and fix the issues as well they never notified me. Experian has violated my consumer rights and the following FCRA Provisions. 15USC 1681 ( a ), 15USC1681a ( 6 ) ( B ), 15USC 1681b ( 5 ) attached you will see my credit report that was sent to them in reference to support my disputes with the highlighted errors and to no avail they still failed to act and comply with my request for removal. I feel that this has been intentional and caused me a significant hardship financial and emotional and constitutes non compliance with federal law. In which also I will be seeking monetary compensation of {$1000.00} per violation in accordance with my rights under the FCRA. For their extreme negligence in investigating these disputes in regards to my Personal information, inaccurate information as well reinsertion of information that was previously removed. I fall within the lawsuit that the CFPB has filed against Experian.
Product: Student loan

Hi there, I took out student loans with XXXX XXXX which are now services by Navient. Since I started re-payments, my account has been a mess and the payments have been misapplied and I have been defaulted apparently and they have then re-applied them after I have complained. 

Recently, i have looked into this further and they have misapplied my payments throughout XXXX and once they no longer accepted by XXXX debit card for payment as it was deemed a credit card on their system, i was left with no help trying to get payment to them and XXXX options since I do not have a XXXX bank account. I found an alternative to this by using a transferwise.com website to make payment to their lock box account. The representative that helped me set that up in XXXX also confirmed that I should be making a lower payment which i questioned and he confirmed that I should be paying the lower amount. I then found out that all my loans are in default because the amount i was to be paying is incorrect and not covering all loans. I have requested numerous times to have these calls researched and have complained and nothing still has been done. 

I am now in the US for the holidays and wanted to rectify the matter and was just told from their staff they can a request research yet again into the problem but that they could n't take any payment today or help me. I am a XXXX XXXX XXXX woman who has had both federal loans which are paid off now and private loans from XXXX XXXX for education in the XXXX and I feel like I am being cheated by Navient with bad information and also with the constant misapplied payments. I am trying to pay these off and probably are in a lucky position where I can make payments every month however I feel that the company are acting illegally and i am being penalized for this. 

I feel that I have no other option other to contact you to complain and to gain advice. I am in the US until the XXXX XXXX and I understand you may receive thousands of complaints from Navient but would really appreciate you getting in touch before I leave the country. The best contact number to reach me on is XXXX. The above I hope is a snapshot of the issue and hope you find it to be of some clarity. 

Many thanks, XXXX XXXX
Product: Debt collection

I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There at 2 collection accounts reporting the substantial amount ( s ) of {$1300.00} and {$1200.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 6 months and I have yet to receive a debt verification letter via mail.
Product: Checking or savings account

Bank of the West has been charging me {$35.00} fees for transactions unknown to me of origin. I have contacted their support but just get no help at all. As a result I have quit using the account completely but I keep getting {$35.00} fees charged for these transactions. Now today I was informed If the fees aren't paid in 5 days they charge extended unpaid fees. The only money owed is their fees amd I refuse to pay. I would list the charges here but there is wo many ( many I paid in the past months ) its un manageable and I feel they are taking advantage of people. I have written them informing them of the laws about frivelous fees with banks but they do not acknowledge.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still ITEMS that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these ITEMS ( A ). I hope these disputed ITEMS are updated. 
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 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 or other personal consumer reports

Upon reviewing my consumers report, i noticed that there were several accounts listed that do not belong to me. Here are the accounts listed XXXX XXXX XXXX XXXX {$5700.00}, Opened XXXXXXXX XXXX XXXX  XXXX Bal- {$4800.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$4600.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$4000.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$4000.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$3800.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$3200.00}, Opened XXXXXXXX XXXX XXXX XXXX Bal- {$2500.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$2500.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$2300.00}, Opened XXXXXXXX XXXX XXXX XXXX Bal- {$2000.00}, Opened XXXXXXXX XXXX XXXX  XXXX Bal- {$1500.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$640.00}, Opened XXXX
Product: Money transfer, virtual currency, or money service

Cfpb, Xoom has repeatedly discriminated against based on XXXX status. I have given them government ID, multiple pictures of credit cards for verification and they still discriminate against us for using their services. They have automatically locked us out based on age and gender. They have booted my husband for even using the service because he asked them why are they so XXXX and retaliatory if we do not use their preferred services ... my husband even has an email from them stating their retaliation for him removing a chase card from their account .... This is not right and needs to be addressed by a government agency. I work for government also, in policy administration and have never to this date seen the malicious process of ousting a united states citizens for using what they claim as a public services .... They have asked us for bank statements stating that united states government issued id 's are not sufficient ... This is a Rouge entity trying to mimic a financial institution harming and not helping its citizens.. I respectively ask a full investigation into xoom for its misuse of allowed business practices. This behavior has been going on for 1 full year now & NEEDS TO STOP!
Product: Credit card

This is a Capitol One charge. 
I am questioning that I made a purchase for {$220.00}. 
The date that my credit card was charged is XXXX. 
The time of the transaction was XXXX XXXX. ET This charge went to my bank ( XXXX ) the same day. 
My Acct was debited thru the bank at XXXX XXXX. CDT I spoke to the manager to get this information. 
It was done by electronic withdrawal. phone payment PPD ID XXXX 
I called disputes at Capitol One. I called 2 times. 
I requested that they look into this matter. 
Today, Monday, XXXX XXXX I spoke with the dispute dept. i talked with a supervisor ... his name XXXX. 
The time... the call ended was a little after XXXXXXXX XXXX. 
He said that there was nothing he could do. I was told that I called this in on automatic payment. I'm simply trying to justify this charge. 

The next problem... I went to my phone call log thru XXXX. I called XXXX twice about this issue. 
I got no response. I went to the XXXX store. I did get a paper copy of my XXXX phone calls ; but, the date that i would need to explain this issue was missing. As a matter of fact, XXXX XXXX, XXXX & XXXX XXXX are not in my call log. 
I can't get any more help from XXXX. 

I need to settle this problem. 
If no-one can help me I want my balance owed to Capital one reduced by this amt ; and, I want Capitol One to put back the funds to my bank account. 

Please advise me.
Product: Mortgage

Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020. Due to Covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my credit report, I want removed because I am a victim of Covid-19 and legally Freedom Mortgage Corp should not have them there.

Freedom Mortgage Corp, declined to assist me with this matter, disregarding the law, Congress put in place.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report due to being a victim of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow for the blocking and deletion of fraudulent accounts resulting from identity theft. 
Below are the accounts and inquiries in question : AccountXXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

please delete this items now I never received any response for the XXXX credit bureaus please delete XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX  OF Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I applied for membership so that i can open an account. However, I could not advance past the initial application. I called the bank and they told me I had to verify my identity by asking me questions pertaining to my consumer report. I answered the questions successfully. Then I was placed on hold abruptly. The lady rep came back to the line and told me she had to transfer me to someone else so that the questions could reset. I asked why did i have to verify again and she said the system was having issues. She placed me on hold again then told me to call back so I could get another rep. I asked her why and told her it sounded a big fishy. She said she couldnt assist and the new rep would ask additional questions. After waiting on hold, the line disconnected. XXXX my XXXX daughters are having issues as well trying to access USAA based off my military affiliation. We attached a chat transcript of how we were just rudely disconnected while trying to gain information.