23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I refinanced some of my student loans that I had with EdFinancial. The loan refinance payment resulted in overpayment of some of my accounts with Edfinancial. EdFinancial is supposed to redirect the overpaid money to an account with the next highest interest rate. 

I have asked them multiple times over the course of about 4 months and they will not do anything with my money. It is stuck in limbo while they continue to require payments on my other accounts that are actively collecting interest. They effectively stole about {$1000.00} from me and they will not return it or redirect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to contact the three credit bureaus about a few late payments that were reporting in error. I have not heard back from them since XXXX. These late payments and unauthorized credit inquiries are included and Are highlighted. I used my most recent credit report. The credit bureaus violated my FCRA rights of section 611 ( a ) for failure to investigate within 30 days. It states that the information should be removed immediately if cant be verified within 30 days. 
I demand that the accounts highlighted in the proof submitted be updated with no late payments and the unauthorized inquiries be removed immediately or I would seek litigation to take care of this issue. Im also a victim of Equifax Data breach which my information was used to make all of the inquiries that are on my consumer report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation ofXX/XX/XXXXXXXX Code XXXX since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Debt collection

i recieved a collection letter from RECEIVABLE MANAGEMENT SERVICES stating i owed XXXX car insurance for XXXX i have informed them and XXXX that i have not had car insurance in my name since XX/XX/XXXX/XX/XX/XXXX the vehicle i own which is a XXXX XXXX XXXX has always been insured under my domestic partner insurance XXXX XXXX XXXX XXXX with XXXX the prior vechicle I had was a XXXX XXXX XXXX that was totaled out by XXXX in XX/XX/XXXX. At which time we bought the XXXX at XXXX XXXX in XXXX Florida and then transfered the insurance from one vehicle to the next.NEVER DID WE EVER NEED OUTSIDE INSURANCE FROM XXXX. I have sent on several occassions to this company the declaration page from XX/XX/XXXX stating when this vehicle was insured and they continue to refuse to remove this debt from my credit report and harass me for a payment. I have been a victim of id theft in the past. I have called and spoke to various people at this company and there has been no resolve. My XXXX XXXX XXXX vehicle has and still has full coverage on it by XXXX XXXX XXXX XXXX with XXXX since the date of purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Someone submitted a XXXX Application with my name, social security number and address and was granted a XXXX XXXX and XXXX student loans by federal student aid servicer XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ; tel : XXXX. The person also applied to the University XXXX XXXX and I believe provided a falsified high school diploma. 

I have filed a police report, an identity theft report with the FTC and have disputed the loans with the Department of Education.
Product: Debt collection

I the consumer had a general purpose credit card from Ginny 's I dispute the balance because of billing error and requested to have an open end credit plain. They sent me a letter in the mail using abusive practices threatening to effect my credit report/score. I never gave Ginny 's written or verbal consent to report my business with any credit bureau or reporting agencies. They Ginny 's Violated the FCRA Hjr 192
Product: Student loan

On XX/XX/XXXX XXXXsomeone tried to open up a fraudulent loan under my social security number at college Ave and XXXX I notified them that it was not me in the account was fraudulent and ask them to send me documentation to prove that the loan had been terminated in which I called on the XXXX XXXX XXXX XXXX trying to obtain documentation in which I have not received any and the company is not helpful whatsoever trying to clear up this fraudulent matter knowing that I'm the victim
Product: Credit reporting or other personal consumer reports

I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Product: Checking or savings account

. I have a banking account at Bank. I deposited a check last week into my account and Im having a real bad experience with the bank. I called to see where my funds are and somehow nobody knows where they are. I was wondering if you can help we with locating my funds. 

Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request certified mail to have copies of the documents they have in your files as of this date that you used to verify the accuracy 19 accounts that are not mine or have all 19 accounts deleted. <P/><P/><P/>Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit reports or such accounts be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). <P/>The last request was sent on XX/XX/XXXX and as of XX/XX/XXXX, they did n't do a proper investigation due to the quickness of the response given. I have NOT received any documents, saying that these accounts have been verified nor have they been deleted. <P/><P/>They are reporting inaccurate information on my credit report which in fact is a violation of FCRA.
Product: Mortgage

Contacted Wells Fargo the week of XX/XX/2023 stating that I unexpectedly lost my job, Iam a single mother and temporarily unable to pay my mortgage as well as all the other living expenses for my son and I. They stated they would have a home preservationist specialist contact me which she did and said I was denied work out options with them due to me receiving unemployment. As a single mother and limited allotted amount of food stamps, they stated unfortunately they can not help me push payments back until iam back on my feet again which in hopes to be sooner then later. I do not have any friends or family to help.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX ran my credit report many times affecting my credit score without permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, In XXXX XXXX ( XXXX ) XXXX XXXX I am writing to dispute the accuracy of the debt associated with Account XXXX # XXXX. I recently viewed my account and noticed the discrepancy. 
I see the number of months, the amount, etc. I have been a victim identity theft and I have tried rectifying the situation in the past. XXXX is the only Bureau that resolved the issue.

these errors have grossly affected my FICO score and my ability to apply for a home. 

as per 15USC168i ( a ) ( XXXX ) ( A ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and consumer notifies the agency directly, or through a reseller, of such dispute, the agency, shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is accurate, and record the current status of the disputed information. 

If there is no such finding, they are required to delete the item from the file in accordance to paragraph ( XXXX ), before the end of the XXXX period, beginning on the day that the agency received the dispute from the consumer or reseller. 

I appreciate you for helping me with this matter.
Product: Bank account or service

On XX/XX/XXXX someone performed a levy on my checking account for a debt that I did not owe. I took them to court over the levy, won and the money was refunded on XX/XX/XXXX to my checking account. 

Due to this being incorrectly levied against my account, I was charged a {$100.00} garnishment fee and incurred XXXX {$36.00} overdraft fees. 

On XX/XX/XXXX I called US Bank. The customer service people were very understanding and refunded me the overdraft fees. They informed me that the {$100.00} garnishment fee would have to be refunded by a different department and that they were currently closed. They gave me the telephone number for the Garnishment Department of US Bank in XXXX Oregon which is XXXX located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. The manager of the customer service line assured me that they would notate the account so that I would not have to explain the situation again. 

On XX/XX/XXXX I called the US Bank Garnishment Department in XXXX Oregon at approximately XXXX central. A woman named " XXXX '' answered ( she - when asked - would not give me any last name, employee number, name of a supervisor or any other identifying information ). XXXX told me that even though the money was garnished incorrectly that she would not refund the money. I reiterated to her that a judge had ruled it was a mistake and that managers of the US Bank less than 24 hours prior had authorized a refund and told me so. She said that no judge could tell them what to do and again refused to refund the money without even checking the notes on the account that was taken from me for a garnishment that was not mine and that a court found was not mine. 

We need the {$100.00} to buy winter clothing for our children and are victims of predatory fees for things that I had nothing to do with and for things that were not mine. I know {$100.00} may not mean much to many but it means a great deal to us. 

Thank you in advance for your assistance in getting this refunded.
Product: Credit card or prepaid card

This issue started when I applied for the XXXX credit card as a promotion offer they mentioned to give 100 $ cash back when spend 1000 $ or more in the first three months. 
I did it and received the cash back bonus but in the mean while I have received so many letters saying that i would be given 250 $ when spend the 1000 $ as a welcome gift but when asked about it the XXXX guys opened an investigation and took almost 2-3 months saying that the issue will be resolved. But the customer representative when contacted keeps on disconnecting the chats and is trying to avoid the chat with me but when finally I asked for it they say that I was not eligible for it and when asked why?. They did n't give me any appropriate reason. This was so misleading by them that i was expecting the 250 $ cash back at some point of time. BUT THIS IS LIKE A KIND OF CHEATING OR FRAUD BY THE COMPANY. if I was not eligible for that offer then why the XXXX they should send me a tons of mails saying that i would get 250 as an offer. This is completely disgusting and they are not at all bothered about customers and their concerns. I am writing this only to make more people aware that not to fall in any kind of traps, frauds or misleading adds given by the XXXX.
Product: Credit card or prepaid card

I, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I applied for a XXXX Credit Card on XXXX XXXX XXXX My consumer credit transaction with my social security number that is referenced by congress as a credit card, pursuant 15 U.S.C 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. AMERICAN EXPRESS is criminally liable for violating 15 U.S.C 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. In Pursuant of 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore AMERICAN EXPRESS is unable to lend a consumer, natural person, and original creditor anything. AMERICAN EXPRESS is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS.
Product: Mortgage

I am filing this complaint against Personal Finance Center that they have indicated in their response that they have given me a 5 month deferment, which is not true, I was never called and informed about the deferment, i did not signed any deferment documents and they have not provided me with any proof of the document, I replied back on the feed back, I did not get any response from them on the feedback, the only response I received was the notice of foreclosure sale, they have not made any attempts to contact or offer to assist me with options in regards to mortgage payment, I was the one who approached them asking for assistance, I explained to them that I am a retiree and my salary is not the same as when I was an active employee and what can they do to assist me, their response is that they can not help me and that i just have to pay the amount or they will foreclose on the house. It seems that Personal Finance Center do not want to help their customers who are struggling to pay their mortgages, they simply just want to foreclose and take your house away, that is why i am filing this complaint. I disagree that i was given a 5 month. deferment, they do not want to assist me in any way, their response was a " notice of sale ''. I am requesting that the CFPB look into the practice of Personal Finance Center on how they handle situation like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts are now showing late payments when they were never late.
Product: Checking or savings account

I have a savings and checking account. Today, XX/XX/XXXX, my XXXX Bank called me to tell me that I was being scammed in Florida for a XXXX dollars. Then they told me that I had to withdraw {$9800.00} from the bank to deposit it in XXXX XXXX, because my debit card had been scammed. They created a card on my phone to deposit the money in XXXX Bank. I was scammed. I am desperate. The bank does not want to take responsibility. I went to the police. Please help. I would like good investigation. I think the scammers work for the bank or have good information. I have proof. The phone number is from the bank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


i want reported account removed theses are the accounts that are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave my permission for Ace Cash Express to run a hard inquiry on my credit report. 4 times in 2 months when applying for credit. I have taken numerous loans out through them and they haven't pulled a hard inquiry every time. There are numerous complaints about this online and it was stated : For anyone who got hit with a hard inquiry without consent I suggest contacting the CFSA, the CFPB, lodging a complaint with The Fair Credit Reporting Act under 15 U.S.C. 1681. 

Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018
Product: Mortgage

wells Fargo and other banks and mortgage companies should not be allowed to go outside the amortization that they have created and cause Consumers to struggle with their payments. This is an unfair practice that should be stopped and funds they have stolen returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a formal dispute letter to Experian on XX/XX/2020. I have gotten NO response back from Experian regarding these disputes, NONE.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX 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

the following hard inquiries were not authorized and should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sold and item on eBay a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy eBay to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with eBay trying to resolve this and explaining my side and had proof. Then they passed the situation on to Paypal, now Paypal is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and eBay would n't stand by me. They told me it was the cost of doing business. Now Paypal is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or Paypal bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on eBay was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the eBay score I had and never had issues like this and they still did n't give me the benefit of the doubt.