23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management is contacting me despite the absence of any contract. I have received numerous phone calls and letters, including threats of legal action. This matter was previously resolved by XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a credit card with Upgrade Card. I have a balance just over {$10000.00} on that card. up until today my credit limit was above {$12000.00} so I was never over the limit. I have never missed a payment on this card or any account I have with Upgrade Loans. I have actually never missed a payment on any of my accounts. Today they reduce my credit limit to {$1000.00}, even though I have a balance over {$10000.00}. This destroyed my credit given it makes it look like I charge over {$10000.00} on a card that only had a {$1000.00} limit. This is not justified. Again, I have never missed a payment with this company and have actually paid all of my bills on time. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my Equifax report on XX/XX/XXXX for XXXX for removal from my report. I advised that the account was supposed to be removed per the creditor, which I supplied a copy of the letter from XXXX. On XX/XX/XXXX, I received dispute results for confirmation # XXXX stating that the item was updated to the report as paid in full. However, again I attached the letter from XXXX which stated that the credit bureaus have been notified to delete the debt from my credit report. I called several times and was told by each representative at Equifax that the account was in fact deleted. The letter that was sent by XXXX is dated XX/XX/XXXX and it is now XX/XX/XXXX. Please have Equifax to remove this account from my credit report as it is a violation of my rights to continue to report this debt.
Product: Debt collection

Under code 15 usc 1682 and 1692 this is some unlawful things going on my credit report and need it removed stoping me from getting more credit
Product: Checking or savings account

My accounts were improperly closed and falsely charged overdraft fees, the company closed my account and my account number was XXXX service fees in which Im eligible for refunds. Wells Fargo owes me between {$800.00} and {$2000.00} and they improperly closed my account and I want something to be done
Product: Vehicle loan or lease

Complaint Against Capital One Auto Finance " Refusal to Assist with Voluntary Surrender '' I am filling this complaint against Capital One Auto Finance due their Refusal to assist me with my auto loan account and their deliberate stalling tactics to prevent voluntary surrender.

I have attempted multiple times to speak with Capital One 's Loss Mitigation Department regarding options for voluntary surrender, payment deferral, or hardship assistance.

Each time : 1. I have been denied access to higher management and decision-makers.

2. Representatives refuse to confirm their refusal in writing or provide any assistance unless I choose to be negligent.

XXXX. I was told to wait XXXX days for a XXXX callback, but no one follows up. 

I have made good-faith efforts to discuss solutions, but Capital One is intentionally stalling to force an involuntary repossession rather than working with me on an alternative resolution.

Key Issues in My Complaint : 1. Denied access to Loss Mitigation/Hardship Assistance.

2. Deliberate delay tactics to avoid providing assistance.

3. Refusal to allow voluntary surrender or discuss alternative repayment options. ' 4. Failure to provide written confirmation of their refusal to assist.

5. Continual Conditional Clauses to assist Resolution Requested : XXXX. I, XXXX XXXX, request immediate written confirmation from Capital One regarding my available options. 
XXXX. XXXX XXXX must allow voluntary surrender or provide a hardship assistance resolution. 
XXXX XXXX must be held accountable for FAILING to provide financial hardship options and forcing consumers into involuntary repossession. 

Captial One 's behavior is deceptive, unfair, and harmful to consumers, and I am requesting IMMEDIATE CFPB intervention to require Captial One to address this complaint fairly.
Product: Credit reporting

I get an account with my credit report who still show open but was paid and supposed to be closed. I want all XXXX credits bureaus to make sure this account show paid in full and closed it 's under a tax lien who was released XXXX, XXXX, 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why did credit score go down 14 points please do correct reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand XXXX XXXX XXXX XXXX OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Dear Experian FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Experian, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Experian. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : XXXX/XXXX/XXXX cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX
Product: Student loan

My student loan balance with Mohela continues to increase due to documentation indicating it wouldn't. This has also been stated by the Department of Education as the XXXX plan continues to be dealt with in court. Received a statement on XX/XX/year> for XX/XX/year> payment due. The total account balance was listed as {$200000.00} at the time ( attached ). Received letter dated XX/XX/year> stating my loans are being put in a forced forbearance due to ongoing litigation ( attached ). On XX/XX/year>, screen shots from Mohela show my balance increased from XXXX statement to {$200000.00} ( ~ {$900.00} ) - again no interest is to be accruing at this time ( attached ). A screenshot from Studentloan.gov, also from XX/XX/year>, shows a different balance ( presumably more accurate because no additional interest is on there ( attached ).
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent Inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 

XXXX XXXX  {$390.00} XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX {$890.00} XXXX XXXX {$880.00} XXXX XXXX {$150.00}
Product: Checking or savings account

I opened my account with Bank of America onXX/XX/XXXX -- entirely because of a promotion that was being offered ( I would never have opened a bank account with BofA otherwise, given the company 's horrible record of treating consumers, especially minorities, badly ). The promotion advertised that the account holder would receive {$300.00} if, within the first 90 days of opening the account, over {$4000.00} of direct deposits were made. I adhered to the terms of the promotion, with XXXX XXXX my employer ) directly depositing {$2600.00} on XX/XX/XXXX and {$2600.00} on XX/XX/XXXX, for a total of {$5300.00}, within XXXX days of opening the account ( well over the {$4000.00} required ). I contacted the bank on multiple occasions, and every time I spoke to a representative he or she never mentioned that there was a problem, only that the maximum amount of time BofA had to deposit the {$300.00} was 180 days ( though I do not believe this is actually the case, either ). I waited the XXXX days and went into a local branch at XXXX XXXX XXXX in XXXX XXXX, CA XXXX, onXX/XX/XXXXand spoke with a representative, XXXX XXXX, who told me that Bank of America had incorrectly ( he agreed it was the bank 's fault ) identified the direct deposits as transfers and had thus decided to not reward me with the {$300.00}. I am highly skeptical that this was a 'mistake ' and believe, rather, that this is systemic abuse of consumers. 

Note : I have attached communication from Executive Advocate XXXX XXXX. Since receiving his communication, I attempted to call him multiple times and never heard back from him. It is almost impossible to get in touch with anyone at Bank of America who can do anything about this issue.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a fraudulent account that has resulted from identity theft.They ignore the police report and identity theft reports validating my call to order.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/year>2025 Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

ALL 3 CREDIT REPORT AGENCIES ARE REPORTING INACCURATE CONSUMER REPORT.
Product: Student loan

I receive 10 phone calls a week for the last year about consolidating my federal student loans. I am now receiving emails about this. I do not have any student loans ( federal or private ) of any kind. I am not receiving any bills in the mail. I am concerned that someone has taken out loans in my name or an error has been made. I called XXXX at XXXX and XXXX at XXXX and was hung up on several times. I do not want to receive any further contact about student loans as I do not have any.

Please assist.
Product: Credit reporting or other personal consumer reports

Santander consumer ran my credit on XXXXThat i did NoT APPROVE
Product: Money transfer, virtual currency, or money service

I am asking PayPal to close my account, they refuse to do so and are holding my funds and not allowing me access to them. on XX/XX/2019 they said they " can not close an account with a balance '' And keep trying to get me to use paid services in order to access my funds. I want my account closed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to CFPB NUMEROUS times issues with Experian reporting a negative account that is NOT valid. I have sent several disputes since XX/XX/20. The refuse to to comply with FCRA and complicit in allowing XXXX XXXX to violate FDCPA. Then on XX/XX/20 Experian finally removed the account credit systems collections from my credit file and my credit score increased by 18 points. then on XX/XX/20 they added this collections back to my credit file decreasing my credit score by 3 points. They have refused to supply proof of what method verification process Experian utilized and provide me documents substantiating this debt in accordance to my consumer rights. XXXX XXXX did NOT validate this debt, All credit bureaus have removed this acct except Experian
Product: Credit card

I signed up for the American Express " Amex Everyday '' credit card under the promotional offer of " Spend {$2000.00} within 90 days and receive XXXX Membership Rewards Points '' The sign up date was approximate XXXX XXXX. I have met the requirements of the promotion during XXXX XXXX, but the Membership Rewards Points never posted to my account. 

American Express claims to have looked into the issue. I am getting conflicting answers every time I call the contact center. Some agents tell me that the offer will post to my account within a few days ; other agents say there is no such offer associated with my account. 

I believe this is a bait-and-switch situation, in which I was lured in my an offer that American Express never intended on rewarding.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my wallet was stolen with my bank card and all my information in it pin codes and all. There was some fraudulent activity done on my account and when I found out about it my account was already closed. I asked them to do a fraud report but they told me they did but did not. Now they are reporting me as doing fraud to early warning service and I cant get any type of account business or personal. They didnt even try to do a real investigation. I was told there were some cashier checks that were deposited into my account and I had no knowledge of anything of that nature.
Product: Mortgage

U.S.Bank told us about three weeks after they gave us a preapproval letter in XXXX which we gave to XXXX XXXX that we must sell our present home or increase our down payment by about {$160000.00} in order for U.S.Bank to give us a mortgage. 

We paid U.S.Bank for the appraisal and the appraisal was completed before U.S.Bank told us we must sell our present home or increase our down payment by about {$160000.00} in order for U.S.Bank to give us a mortgage.. 

In order to get the preapproval letter we emailed U.S.Bank all of our paystubs, W2s, bank statements, information about our XXXX XXXX  loan on our present home, credit authorization and what U.S. Bank requested in order to give us a preapproval letter.
Product: Mortgage

I set up a re-payment plan with Bayview Loan servicing and made the final payment on XX/XX/XXXX of the re-payment schedule. I was told at that time that my mortgage was current. Today on XX/XX/XXXXI get a bill in the mail and they are still looking for twice the amount of money after I was told that the payments would go back to XXXX  on XX/XX/XXXX. As you can see by the statement that I am enclosing this is not the case and Bayview has breached the agreement because this was an agreement to make the loan current I have been paying more money and still the loan is not current. With all the complaints that you get why can't you shut these people down?????
Product: Credit card

American Express claims that I deleted my auto-pay but that is not accurate. Since my account is set to auto-pay I did not realize that a payment was missed until after the due date. Once I realized that a payment was missed I paid the amount in full. This was 4 days after the due date. Even though the payment was made in full and the account went to {$0.00} before the next billing cycle began, AMEX has charged interest for the last 2 months without any explanation. They have also not provided any evidence ( or have any evidence in my opinion ) that confirms that the auto-payment was deleted my me. 

This seems to be a recurring theme with AMEX as other customers have complained about this scenario several times in recent years. AMEX charges bogus fees and interest caused due to their system errors. As someone who has worked in XXXX XXXX, I can attest that no system is perfect. Data loss is not uncommon when shipped from one system to the other. AMEX needs to acknowledge this and not charge bogus fees and interest to long-standing customers who do not have a history of missing payments.
Product: Mortgage

I applied for a refinance with New American Funding over 8 weeks ago, and they promised to close in 3-4 weeks. Things were moving along, and I locked a rate of 5.1 %. Exactly XXXX days later, the Federal reserve raised interest rates. Since then XXXX XXXX has tried in various ways to not honor our agreement. They have ordered a new appraisal, ( the original appraisal reflected 71 % XXXX, although I was told that up to 80 % was acceptable ) changed the loan terms, redundantly requested documents, and just this morning sent me new disclosures that suddenly increased my closing costs by {$10000.00}. It is my belief that New American Funding does not want to honor my loan, due to the interest rate change. I need help with this.
Product: Debt collection

Debt was already paid months ago and they keep being deceitful by validating debt through disputes submitted through the bureaus and lying without checking with the original company please see documents
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536y ( 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX refuses to verify these fraudulent debts which have been identified and reported as being the result of identity theft. XXXX, XXXX also continues to report these fraudulent accounts to Experian as being valid when XXXX XXXX XXXX is knowingly failing to comply with the law and has sent me emails stating that they will not reinvestigate the following fraudulent accounts, which is a direct violation of the FCRA. I have a right to dispute any and all inaccuracies appearing on my consumer report an unlimited amount of times until I find that no inaccuracies exist and every data furnisher is likewise required by the FCRA to investigate all disputes filed by a person who is challenging any inaccuracy being provided by that data furnisher on the affected consumer 's report. No statute authorizes a data furnisher to state to a consumer in writing that the data furnisher will ignore all future communications or requests to reinvestigate a claim or dispute filed by a consumer nor that the data furnisher 's decision is final regarding a dispute. XXXX, XXXX is not respecting the law and more importantly, not respecting my rights. Please delete ALL SIX of these fraudulent accounts from my Experian credit report immediately. I did not authorize nor apply for any loan, product or service with this company and again, when I demanded specific documents from them, XXXX XXXXXXXX refused to provide these debt verification documents as well as the information I requested in order for me to try and determine who is misusing my stolen identity credentials and personal information. The following XXXX accounts can not continue to remain on my credit report without running afoul of the FCRA and subjecting Experian to joint civil liability alongside XXXX XXXXXXXX : XXXX XXXXXXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 Experian business CRED. has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me