23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the complaint against Bank of America rewards credit card ending in XXXX in the name of XXXX XXXX. 
Id like to inform u that the bank is constantly imposing late fee and interest charges even though the payments were made in full without leaving any balance behind. During this whole year ( XX/XX/XXXX to XX/XX/XXXX ), Bank of America has imposed charges for {$28.00}, {$69.00}, {$110.00} and {$120.00} which makes a total of {$330.00}. These charges were imposed after the payments {$270.00}, {$220.00} and {$230.00} were made consecutively. 
I tried to speak to a lady over the phone, but she started yelling and screaming and not listening to what I was trying to say. So Im here requesting u to resolve this issue. Id really appreciate if u could resolve this issue by removing the unnecessary charges of {$330.00}. 
As a XXXX American, I have been facing XXXX  discrimination every time I visit Bank of America.
Product: Vehicle loan or lease

I signed up for automatic payments when I first leased my XXXX XXXX in XX/XX/XXXX. In XXXX, US Bank informed me that I was past due. I attempted to access my online account and was unable to do so. On or about XX/XX/XXXX, I reset my automatic payments and the my US Bank online banking account to make automatic payments. Instead of automatic payments when due, US Bank drew payments for 6 additional months to XX/XX/XXXX. I figured that it was a glitch in the system. But, since I was paid up to XX/XX/XXXX, I let it slide. Notwithstanding US Bank 's error, US Bank reported me past due credit reporting agencies on XX/XX/XXXX, and refused to correct their errors. I was informed by XXXX yesterday that my FICO was downgraded. Immediately prior to this my score was XXXX. 

Today, I received an online solicitation from US Bank for bill pay. I attempted to access my account and was unable to do so. The US Bank computer automatically transferred me to a system to answer questions. But, the system did not provide any questions for me to answer. Since there were no security questions for me to answer, my password was locked. After talking to two different individuals, my password was unlocked ; and, I was allowed to change my password and establish security questions. US Bank 's online system is frustrating. I was a XXXX XXXX for the XXXX  ; and a XXXX XXXX for 44 years. If I can't figure out US Bank 's online banking, I would imagine many other people have problems with US Bank 's systems. I have experience with several bank online systems, US Bank 's is the worst of them so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus On XX/XX/2023, to update this suspicious information. I think you have not validated these accounts, This was already included in my prior COMPLAINT, and I'm including it again. 
Please verify these accounts as soon as feasible : XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my credit report was completely wiped out leaving only 2 collection accounts, and 4 hard inquires. I called in to inquire and was told that the accounts could not be added back until the creditor adds them back per law. On XX/XX/XXXX, everything had been reinserted including things that had been previously removed due to being disputed. I was NEVER given a 5 business day  notification per FCRA and has since been blocked from being able to view my report online. Since I have also been notified that my credit reports have been going to a wrong address that I have also disputed. I called in and they advised me that I had requested to have the address changed which was a lie. They also sent me a credit report with my name and the wrong last 4 of social. I called in and they denied that too. I would like to know who is responsible for holding this company responsible? Are they NOT to follow the laws and guidelines established by the CFPB and FCRA? I have filed a separate complaint with the CFPB that is still open and what Equifax has done was place EVERYTHING back into dispute without my request which is another violation. Who will ever hold them accountable for their actions? Is this something that is often pushed under the rug? Whats the puropose of CFPB and FCRA if you guys will not hold them accountable?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I've placed a prior CFPB complaints regrading my credit scores dropping acutely in XXXX of this year. I've been provided multiple answers to date regarding why this is. I was initially provided information that making a minimum payment in XXXX on my student loans was the driving factor regarding this. Essentially, this was the reason for my initial dispute/complaint. With that being said, further discussions with reps from the credit reporting agencies, my student loan service ( XXXX ), and the XXXX have revealed that this drop is most likely secondary to my student loans being placed into the government driven loan forbearance. Regardless, I am placing a formal complaint at this time challenging the accuracy of my current credit scores and the reflected drop in score that occurred in XXXX. My student loan service has provided that there is nothing from their end that would have resulted in this acute change. Discussions with the credit reporting agencies ( as well as pulling these reports myself ) would allude to my student loans being the culprit for the significant drop in my scores noted in XXXX.
Product: Credit reporting or other personal consumer reports

Greetings, 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 I am writing to file a complaint regarding inaccuracies on my credit report. Recently, I requested an investigation from the credit bureaus to ensure the accuracy of the information on my credit report. The credit bureaus conducted their investigation and concluded that all the information was accurate. 

However, after receiving their response, I conducted my own thorough review of my credit report. During my investigation, I identified several inaccuracies that the credit bureaus failed to address. These inaccuracies include [ describe the specific inaccuracies you found, such as incorrect account balances, outdated information, accounts that do not belong to you, etc. ]. 

Despite the credit bureaus ' assertion that the information was accurate, my findings indicate that their investigation was insufficient and did not address the errors present in my report. This has caused me considerable distress and has potentially impacted my credit score and financial standing. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Complaint Against Midland Credit Management for FDCPA Violations Dear CFPB, I am filing a complaint against Midland Credit Management ( MCM ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Here are the details : My Information : - **Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations by MCM : 1. **No Validation of Debt : ** MCM did not send me written proof of the debt within five days of first contacting me, as required by law.

2. **Harassment : ** MCM [ describe harassing behavior, e.g., called repeatedly, used threats, or was rude ].

3. **False Statements : ** MCM [ lied about the amount owed, threatened legal action they can not take, or pretended to be attorneys ].

4. **Unfair Practices : ** MCM tried to collect fees or interest not allowed by law or the original agreement. 


Since XX/XX/XXXX, Midland Credit Management has been calling me daily from different phone numbers. This makes it difficult for me to avoid their calls or identify who is contacting me. The constant calls feel harassing and overwhelming. For example, on XX/XX/XXXX I received calls from three different numbers within a single day.

Additionally, MCM has threatened to sue me over this debt, even though they have not provided proper validation of the debt as required by law. A representative told me in a letter, we are going to take you to court if you dont pay immediately. This is a violation of the FDCPA, which prohibits debt collectors from making false threats or misrepresenting legal action, especially when they have not validated the debt.

What I Want : 1. MCM to stop contacting me about this debt.

2. The debt to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax has not received written instruction to furnish a consumer report on my behalf in doing so Equifax is actively committing identity theft
Product: Credit card

I have been with the company for close to XXXX yrs. I have never sent a bad check, and been late XXXX time do to not being delivered aka check lost. I have in the last several years experienced usaa placing holds on my account without reason in order to keep a balance on the account. I have on several occasions had usaa NOT report to credit bureaus accurately.. I am including the last hold placed on my account for {$59.00} ish. I have recordings of the service associates refusing to give reasons for the holds. If a company CLAIMS to serve military. This is UNACCEPTABLE!
Product: Student loan

In an attempt to mitigate any sort of credit issue, I called Navient Student loans ( with whom I have private and federal loans with ). I recently lost my job, and was attempting to put my loans into forbearance or deferment. Navient charges {$50.00} per loan for a 3 month Forbearance period. For the XXXX loans in my name, that was a total of {$150.00}. It is {$150.00} of which I dont have at the moment due to my loss of employment. Prior to this, I had always made my payments on time. If by some happenstance, I were to need more time, I would need to pay an additional {$150.00} to extend out the forbearance period for an additional 3 months. After hours of talking to different operators and managers, Navient 's official position is that they do not offer any non-payment options for their private student loans. As I am now unemployed, this will likely affect my credit rating, and snowballs into a larger debt problem that I may not be able to climb out of for several years at best. I wish to warn any who read this to STAY AWAY from PRIVATE student loans, and Navient especially, as they are extremely unfriendly towards their borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX through XX/XX/XXXX XXXX Experian has been debiting my debit card in the amount of {$19.00} per month. I have recently became unemployed and just noticed the charge for XXXX and researched my account to find the additional charges. 6 charges of {$19.00}. I contacted Experian and they researched to see that the charges were not made by me, but by someone using my debit card. However, they refuse to refund my money. They told me it was my financial institutions responsibility to refund the money. This is incorrect, all my bank can do is issue me a new debit card. They said Experian is responsible for the refund due to them being the one who actually received the money, which only makes sense. I have spoken to XXXX XXXX ID XXXX, if this is even legit info ) she wouldn't give me her last name for whatever reason, she is the one refusing my refund even though they can see where a different person other than myself, diff name and social, used my card. She also refused to let me speak with someone else. I just want my money refunded that Experian has taken and now they are proving to be the ones doing the fraudulent activity.
Product: Credit reporting or other personal consumer reports

These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD INQUIRIES 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: Money transfer, virtual currency, or money service

I found a number for XXXX customer service support XXXX XXXX XXXX XXXX to inquire about an error message I was getting concerning not being able to make a shipping label. When I was connected with the person who identified himself as XXXX, he told me it was because my payment applications had not been verified and would be necessary to address the issue. he asked me to download XXXX so he could rectify the situation. He had me open Venmo to send a friend {$2400.00} which did not work so we did XXXX which they said was normal and this specific number would help set a right limit for my XXXX page to allow for the highest amount on my Venmo to be accepted. Later I found that both transactions were taken out of my account, totaling XXXX. To verify my PayPal, I was asked to send XXXX to my mother which was again declined so I was asked to do XXXX. I called my mother to have it sent back and to tell her what happened. Another support person named XXXX XXXX called her to to walk her through a similar process, having her download XXXX to help me. She followed their process thinking that it was necessary. She could not send the money back via PayPal so she was asked to send it via XXXX. I told them I was not comfortable with anymore transactions but they said that would be the only way to get my money back. They needed to consolidate the money in one place. To verify XXXX, they asked me to send my mother {$4000.00} which she was able to send back to me. This money was then sent to my aunt for additional verification that I would snow use XXXX. My aunt was able to send the money back ( - {$70.00} for transfer fee ) from XXXX. However the transaction shows money send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then there was also a transaction sent to XXXX XXXX XXXX My friend who was sent the money via Venmo was able to send me back two payments of {$200.00}. The other transactions were made to a XXXXXXXX XXXX XXXX XXXX which is not mine. The money consolidated from all three apps were then sent to XXXX XXXX XXXX XXXX. I tried calling Venmo, XXXX, XXXX and PayPal but I was told they can not change transactions and I could not get my money back since those are instant transactions. The next day I found several transactions from my bank which were not made my me. I was able to stop the extra transactions made. I filed a complaint with the bank. They provided {$4000.00} back for one of my three claims. I also had two charges from XXXX XXXX of {$2500.00} and {$200.00}, which was not used in this process.
Product: Credit card

Hello, On XX/XX/XXXX, I was charged an amount of {$530.00} by the XXXX XXXX. I have no idea what this company is or was until the fraudalent charge was placed. 

I called capital one to dispute this charge and was denied XX/XX/XXXX. I confirmed every other charge around that date and confirmed other purchases. This charge was not one of them. I'm not sure what proof I can provide since I do not know what this company is or did not recieve a text or confirmation from the app that I made this purpose. If there is anything I can provide proof for, I will but this was definitely not my charge. I am quite upset since I tried to offer anything I could but all they could do is tell me to wait and just deny me the charge without any proper explanation. I would greatly appreciate your help since I am only a student with limited time. If there is anything that I can provide for proof I would be happy to. I just don't know what to do since I have never heard of this company before or done business with a company named Thank you.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I have also attached evidence. 


XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX XXXX - Inquiry Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for the loan paid it in full and XXXX has not reported paid to credit bureaus
Product: Payday loan, title loan, or personal loan

My credit score has been impacted negatively from the two 30 days late payment history that has been reported to the 3 credit bureaus from my account. This account has been fully paid off and i would like to request that you remove the negative history from my credit report with each of the bureaus. Thanks!
Product: Credit reporting or other personal consumer reports

For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification.

I will attach my credit report you will see the clear errors.

from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX XXXXXXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXX. XXXX  for a XXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX Bank. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX XXXX XXXX I purchased a XXXX XXXX. Then I really started seeing activity on credit karma. Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access Experian to freeeze it. XXXX XXXX  XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and XXXX looking for relief. Thanks
Product: Credit reporting or other personal consumer reports

Fair credit reporting act ( 15 u.s.c. 1681 ), I'm requesting a copy of my annual consumer report.
Product: Debt collection

IC Systems calls my cell phone several times a day from the phone number XXXX. They do not leave a message.
Product: Debt collection

I have several medical debts that i am trying to dispute. I was told i had to fill out some paperwork and was not in a clear headspace during these hospital visits, but i had asked several times if i would be liable for these bills and they told me no. They told me to fill out paperwork next thing i know i am checking my credit reports and i have collections that i was not aware i had. I tried disputing online, and i tried calling many times to no avail. And with the COVID many people are out of work, including myself so i am trying to dispute all three medical debts that i was told i didn't have to worry about. I have made dispute calls to XXXX  and XXXX, and will make a call to XXXX  as well right now. I just am having no luck with these companies ( CMRE/XXXX/XXXX XXXX ) Everyone i contacted for customer service through the credit bureaus have been great. 


XXXX XXXX XXXX : XXXX on XXXX XXXX app. 
Customer service for the agency said it was XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

The password and phone number associated with my account in the Experian system. I did not change these and I don't know who did. The online system will not allow me to access my information or change my password without knowing the phone number associated. This would appear to be a fraudulent situation. I called the company. There's no ability to access a live agent. I was advised by the automated system to send a letter requesting a password reset. I sent the letter with the required identifying information on XX/XX/XXXX. I received a letter back on XX/XX/XXXX advising me to call the XXXX number ( XXXX ). It was the same phone number that had advised me originally to send a letter. I sent a second letter with the same information that was sent previously on XX/XX/XXXX. 
It has been 27 days and I have not gotten a response. 
I would like to get my password and phone number reset so that I can access my credit report and determine whether there has been fraudulent activity on my account. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked 'Credit Management Company ' to validate the debt. I asked original debt collector 'XXXX XXXX XXXX to validate the debt. Neither could do so. There were two previous collections agencies involved : 'XXXX XXXX XXXX ' and 'XXXX XXXX XXXX ' . I have never received any correspondence from any of these agencies.