23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We got XXXX American Express Card in XXXX last year. We got charged {$150.00} for membership fee. At the time of the renewal this year they charged {$650.00} to keep the card. I called them on XX/XX/XXXX being surprised by the membership fee jumping to {$650.00}. I told them that if that is fee is {$650.00} I do not want the card. I am willing to pay {$150.00} but not {$650.00} as requested. I paid all what I owe on the card before XX/XX/XXXX. They stated it is {$650.00} fee. I responded that I do not want to have this card. I called them again on XX/XX/XXXX to confirm the cancellation. They stated that I did not ask for the cancellation. I told them that I stated that I do not want the card which is equivalent to cancellation. They argued that I did not say cancel. I have followed up regularly every other week to have them listened to my conversation early XXXX that if I said I do not want it it means cancel it. They did cancel it on XX/XX/XXXX but they insisted on having me pay the {$650.00} fee. Now they started adding penalty fee and intense on my account. Please help.
Product: Credit card

I need to book the hotel this XXXX, and my reward night certificate from the credit card expires early XXXX. 

XXXX I contacted text customer service ( XXXX number ), and they say they can provide XXXX points for one-time exception. they want me to get back in XXXX. 
XXXX I contacted text customer service, and they changed their wording, they can not provide the XXXX amount unlike they promised. They say it's last year but I asked and was promised THIS year.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I was scammed by a person on cashapp. I sent {$65.00} thinking that I was completing a previous business transaction. Almost immediately after realizing that the person that was requesting the money wasnt the person that I had been previously purchasing a program from, I contacted CashApp customer service through Chat because they did not have telephone services available. CashApp notified me that the transaction that had taken place was out of their hands, and that there was nothing that they could do even though I requested that the account will be Blocked in my funds be returned to my account
Product: Student loan

Requested loan refund as now qualify for forgiveness program but need my account to reflect new balance ( not physical money in bank ) and was assured that online account and statements would reflect accurate amount by XX/XX/2023 ( called twice to confirm this date and that the request was already approved ) and when that did not happen I called again and was told vague information about where in the process the refund was and that there is no way to now know how/when the online account can be updated but was told that it seemed to be approved. I now owe this money but there is no way to prove it and thus manage it.
Product: Credit reporting or other personal consumer reports

I have an item on my credit report from a debt buyer, XXXX XXXX XXXX, listed with a balance of {$1400.00}. However, both the original creditor, XXXX XXXX, and XXXX own account statement show the correct balance as {$1300.00}. I disputed the account with all three credit bureaus. 

XXXX eventually removed the account from my report, but it took several disputes and a phone call to get it resolved. I also disputed the account with XXXX, but they validated XXXX incorrect information. As a result, Ive filed a complaint against XXXX. This afternoon, Equifax completed my dispute, but they too verified the incorrect balance, despite the fact that I submitted documents clearly showing the reported amount is inaccurate. 

Its frustrating because it seems these companies are not thoroughly reviewing the evidence I provided. I dont know how they are " verifying '' the information, but its obvious they arent using the documents I submitted.
Product: Debt collection

XX/XX/scrub>XX/XX/2025, Midland Credit XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX I received a letter in the mail from a company called Midland credit about a debt I assumably owed. I was connected to a woman representative who I told I wanted to have original documents sent from the company that claimed I owed the debt. She kept trying to tactically get me to verify the debt over the phone. Which I repeatedly said I would not like telecommunications I would like to receive only mail correspondence and needed to have the documents sent via mail to verify the account. She then transferred me over to I guess someone over her he said his name was " XXXX '' to further question me after I repeatedly requested the documents be mailed to me. He then began to say things that were unprofessional and degrading such as " can you hear ''? and " dont I know that things are done online now '' It became argumentative and I just wanted documents mailed to verify the debt. Very unprofessional and I felt like they were trying to tactically get me to commit to a debt I have no way of verifying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed Identity theft report because one item appeared on my report on Equifax Bureau, that doesn't belong to me. Equifax refused to investigate and reply back to me with no result. They do not have verification information but claiming like this account belongs to me. Only Equifax has reported this account on my credit history.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We have our Mortgage with US Bank we received an offer for a home equity loan for a fixed rate. Our rate now is 5 %. They offered XXXX for XXXX years saving us about XXXX a month. We only wanted to borrow what the payoff was on our mortgage. We gave them all the documents they asked for. We each have a XXXX credit score. This process was taking so long I called every week also have emails. Come to find out that our loan has been put in the inactive file because of the time frame. I only found this out after my XXXX or so call during this XXXX month period. I was told they need paystubs for my husband because the could not read the first set even though I took originals and the branch scanned them. If this was a problem why did the wait XXXX months to tell us. Now the offer is no longer available. I believe this happen because there was nothing for US bank to gain in fact they would be losing money. Our house appraised XXXX times higher then the amount we wanted to borrow. Also we have our mortgage with them currently and in the XXXX yrs we have had it not one time has it been late.
Product: Vehicle loan or lease

Contacted MAS on XXXX to make a payment for XXXX. 

I was informed they dont accept XXXX  account although the representative informed me they do. In addition ; my last payment was made with a savings account. Ive had the loan going on XXXX years, encountered XXXX  both times Ive called to make electronic payments by phone. Their website also lists they accept electronic payments by phone. Previously my account was charged additional fees due to the company stating I had no insurance coverage although I did. They attached their insurance on my bill resulting in the monthly payment being extremely increased. The representatives are hard to deal with and Ive only had decent experiences with XXXX and XXXX. I havent received an account ledger for my balance as requested or any policy they dont accept XXXX. Again, the website shows they do. On XX/XX/XXXX. I found out today the reason I may have not got the ledger is because XXXX XXXX placed a cease and desist on my account. This was done without my knowledge or permission. This information wasnt relayed to me until speaking with XXXX on XX/XX/XXXX. Its also conflicting because XX/XX/XXXX XXXX I have an email from XXXX XXXX XX/XX/XXXX XXXX I also have a voicemail from XXXX. I have never spoken with anyone named XXXX before & this cease and desist had to be placed on my account by someone other than me back on XX/XX/XXXX. The company has now informed me they can not send me proof they dont accept XXXX payments as well as my general ledger. I am 30 % paid off on the loan & this situation is pushing me beyond my XXXX day period to make a payment by XX/XX/XXXX. XXXX informed me I would need to wait on XXXX to return to the office on XX/XX/XXXX ( which puts me behind on my loan for the first time, besides when they company over charged my account for additional insurance & had to readjust it ). Again, XXXX has always been helpful, but this is a family business and a lot of bias things going on.
Product: Student loan

I am filing this formal complaint regarding the unauthorized access and improper disclosure of my student loan records, which I believe violates my privacy rights under the Family Educational Rights and Privacy Act ( XXXX ) and other applicable consumer protection laws. I am requesting an immediate investigation into this matter and seeking student loan relief as a corrective measure for the violation. 

Details of the Complaint Unauthorized Access and Disclosure of Personal Information : My personal student loan records, including personally identifiable information ( such as my name, Social Security number, loan balance, and repayment history ), were accessed and potentially shared without my consent. 

Circumstances of the Violation : On or around [ insert date ], I became aware that XXXX XXXX and associates affiliated with the so-called " Department of Government Efficiency '' ( XXXX ) gained unauthorized access to the U.S. Department of Educations systems . 
This breach included improper access to confidential student loan data, potentially exposing millions of borrowers, including myself, to financial harm and identity theft. 
As a borrower with student loans serviced by [ insert loan servicer name ], I am concerned about the implications of this unauthorized access and the potential misuse of my data. 
Legal Violations and Harm Suffered : The disclosure of my student loan records constitutes a violation of XXXX and possibly the Fair Credit Reporting Act ( FCRA ) if my credit information was accessed. 
Unauthorized access to sensitive loan data exposes borrowers to fraud, identity theft, and potential financial exploitation. 
This situation has caused me significant distress and uncertainty about the security of my financial records. 
Requested Actions from CFPB I am requesting the CFPB to : Investigate the extent of this unauthorized access and determine whether my loan servicer or the Department of Education failed to protect my personal financial information. 
Hold responsible parties accountable for improper handling of sensitive student loan data. 
Provide student loan relief or corrective measures, including possible loan forgiveness, as a remedy for this breach of my privacy. 
Ensure immediate security enhancements to prevent future unauthorized disclosures of borrower information. 
This matter requires urgent attention, and I ask that you respond with the steps being taken to address my concerns. Please provide me with an update on this investigation and my request for relief within 30 days of receiving this complaint. 

Thank you for your time and assistance. I look forward to your response and the necessary actions to protect student loan borrowers from unauthorized access to their financial records.
Product: Debt collection

On XX/XX/2024 I got a response from XXXX through the CFPB stating they never sell members personal information to third party agencies which is false information. I received a letter from MRS BPO XXXX XXXX stating that they were collecting a debt that is owe to XXXX XXXX XXXX XXXX which is a violation of my rights and I want this debt gone IMMEDIATELY. They been violating me for a year straight and its gendering me from moving forward in life and hurting me financially. Ill submit photos below
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  should not be reporting to XXXX  ; XXXX  and Transunion a collection/chargeoff in the amount of {$570.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.
Product: Mortgage

New servicing company took over my loan in XXXX XXXX  Since then, the payments were posted then unapplied to the loan. The website will say one amount is due, the mailed statement would say differently. When I speak to an agent, they can't explain it and tell me someone will correct and get back to me. No response. I emailed using their website, the only response I get in the mail weekly is we are working on it. 

Attached documents provide details of issue and proof of payments.
Product: Credit reporting or other personal consumer reports

I'm reaching out to provide a follow up on my previous complaint about the situation in which I became a victim of identity theft. Once again, I'd like to mention FCRA Section 605B, as stated in 15 U.S.C. 1681c-1, which requires Credit Reporting Agencies to remove and block the inclusion of any items listed in an identity theft report. Please take a look at the attached documents to help with the process of blocking and removing the inquiries that have been showing up on my report. Below, you'll find a list of the unauthorized inquiries that have been recorded in my credit history : 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am here to make another complaint about the same information remaining on my report that I requested to have removed. This is hurting my chances of lawfully obtaining credit on my own merits. My name is being tarnished and I claim this to be defamation of character! The following information is on my reports and I would like ALL of it to be removed. 

Personal Information ( incorrect ) Names : ( outdated ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX, Original Filing Date : XX/XX/XXXX, There's no last Status Date showing. This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX  XXXX-discharged, Filing Date : XX/XX/XXXX, Last Status Date : XX/XX/XXXX, Reference # XXXX - This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

Transunion Public Record : XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy discharged, Filing Date : XX/XX/XXXX, Last Status Date : XX/XX/XXXX, Reference # XXXX. This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

All of these items are either negatively reporting on my reports without my consent, outdated or incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding the collection account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) I them to verify this account. Please remove this account. They did not send me proof of verification of this account. On XX/XX/XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding this account : XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ). I have doubts this is correct. Please remove this account. On XX/XX/XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ). Stating that this information is inaccurate, please remove it! On XX/XX/XXXX I sent a letter to the furnisher to verify that account belongs to me. This account is erroneous. This account is reporting inaccurately on all three credit bureaus. On Equifax this account is reporting the date opened as XX/XX/XXXX with a balance of {$2300.00}. on XXXX this account is reporting date opened as XX/XX/XXXX with a balance of {$2300.00}. On XXXX this account is reporting date open as XX/XX/XXXX. With a balance of {$2300.00}. I want verification that I owe that balance and a break down of the amounts owed. This account is reporting different dates opened and different balances owed. This account is erroneous, I would like it deleted from my credit reports please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a Wells Fargo Auto loan on XXXX XXXX in the amount of {$4300.00}. Wells Fargo sent me a letter that the debt was settled and the title was mailed to me. 
Several weeks later Wells Fargo contacted me and said that the payment didn't go through ( It was a bank check or money order I paid with ) and I asked them to show me the check I sent them. They couldn't locate the payment form and said it was still outstanding even though I have a letter from them and the title. This has ruined my credit. I had XXXX reach out to them and nothing was resolved. I than had XXXX dispute this and they charged off the amount on my credit report. 

It had escalated to the Presidents office at Wells Fargo and I spoke with someone who said they were passing my information along and I never heard back from them and didn't know how to contact someone at the Presidents level.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The disputed account is XXXX , XXXX. XXXX ACCT. NO.XXXX.A default judgment is appearing as a collection account on XXXX, TRANSUNION AND XXXX.It is appearing as a collection perhaps to avoid properly displaying as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted in recent years.In addition, the DATE OF 1ST DELINQUENCY has been re-aged, another FCRA clear violation.The DOFD coincides with the date of judgment entered ( attached court record ) which is impossible considering the nature of the debt, ie : back rent.The delinquency of the debt was many months prior to the stated DOFD.All 3 bureaus, following numerous disputes permit a false, re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT creating a loophole for the ACCURACY AND COMPLETENESS of reporting demanded by the FCRA
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a new vehicle and traded in my old vehicle. On XX/XX/XXXX, as part of my new vehicle purchase, XXXX XXXX paid off my loan to Hyundai Motor in the amount of {$11000.00}. This was 3 days before my due date of XX/XX/XXXX. I continue to receive e-mails, texts, and letters stating that my account is past due. I contacted Hyundai on today 's date, and they transferred me to THREE different agents. They stated they were trying to collect a debt. I advised them my car was paid off. They admitted they received the payment on XX/XX/XXXX, but that they " haven't updated their system yet '' and couldn't state " when the system will be updated with the information. '' This is 12 days after the car was paid off. In the meantime, they continue to add on fees and charges, including late fees, even though the car was paid off. They stated my account is 9 days past due, even though they admitted receiving the payoff amount on XX/XX/XXXX. They have no solution to correct the account, and continue to tell me that I need to make the payments or else it will be reported to the credit bureaus. I was further advised that since my payment is " 9 days late '' ( as of today ) that this will be reported to the credit bureaus. I have had nothing but problems with them since I first financed my car through them. For instance, I received a 60 day deferment in XX/XX/XXXX after being in a declared emergency area due to Hurricane Irma. However, they reported to the credit bureau that I was late. To continue to harass me with calls and letters and e-mails saying I'm late and to continue to assess fees and charges to my account and inaccurately report to the credit bureaus after my account was paid off on XX/XX/XXXX is fraud. I would like this investigated and for Hyundai to correct the problem.