23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX [ XXXX XX/XX/2025 LVNV Funding LLC Attn : Legal Subject : Cease and Desist Request Dear Sir/Madam, I am writing to formally request that LVNV Funding LLC immediately cease and desist from any further attempts to contact me regarding the alleged debt referenced under the account number [ ]. I dispute the validity of this debt, and I demand that you stop all collection activity and communication with me, including phone calls, letters, emails, and any other forms of contact. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you cease communications regarding this matter. Any further attempts to collect this alleged debt, unless required by law, will be considered harassment and may lead to legal action on my part.

Please confirm receipt of this request in writing and provide a response as to whether the debt is valid or if it is being removed from your records. If the debt is invalid or you are unable to verify its legitimacy, I expect you to provide me with appropriate documentation and discontinue all collection efforts immediately. 

I appreciate your prompt attention to this matter and expect no further contact unless required by law. 

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

I need to submit a copy of my drivers license and social security card to verify identity. Equifax instructs to submit these documents to their website myequifax.com. I have created an account on myequifax.com but am blocked and referred to their XXXX call center. Also, they provide a phone number to call ( as late as XXXX, ) XXXX which doesnt work- rings once and hangs up.
Product: Payday loan, title loan, or personal loan

I WAS DESPERATE AND GOT A ONLINE LOAN ON XXXX/XXXX/XXXX FOR {$250.00}. I PAY {$46.00} EVERY XXXX WEEKS. I WENT TO PAY OFF THE LOAN TODAY AND THEY STATE I STILL OWE ALMOST {$300.00} TO PAYOFF TODAY. AND MORE IF I DONT?!?!?! THEY ARE CHARGING ME {$12.00} FEE PLUS ALMOST {$900.00} IN INTREST! I WAS NOT TOLD THAT BY THE LADY WHO WENT OVER THE LOAN WITH ME. I MADE SURE TO ASK THAT I COULD PAY EXTRA ON PRINCIPAL AND WAS INFORMED I WOULD BE PAYING TOWARDS PRINCIPAL EACH PAYMENT, HOWEVER THAT WAS A BOLD FACED LIED. I FEEL THERE SHOULD BE A LAW AGAINST THIS. XXXX ABOUT TO GO ON UNPAID MATERNITY LEAVE AND CAN NOT PAY THIS LOAN WITH THAT KIND OF FEES
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX  Department of Nelnet XXXX XXXX XXXX XXXX, OR XXXX Subject : Demand for Swift Deletion of Inaccurate Account Information - FCRA Violations To Whom It May Concern, I am writing to demand the swift deletion of the following accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) : 1. Account Number XXXX : This account is reporting an inaccurate date opened, and there are 10 more accounts with the exact same account number reporting inaccurate dates opened, constituting violations of the FCRA .

2. Account Number XXXXXXXX : This account is reporting the date last active inaccurately, and there is 1 more account with the same exact account number reporting the date last active inaccurately as well, which represents an FCRA violation.

3. Account Number XXXXXXXX  : This account is reporting the date of the last payment inaccurately, and there are 10 more accounts with the same exact account number reporting the date last active inaccurately, also in violation of the FCRA .

I wish to make it unequivocally clear that I am not requesting investigations, as the inaccuracies are evident and in clear violation of the FCRA. Further investigations would be frivolous.

My demand is for the swift and complete removal of the inaccurate account information due to its erroneous reporting, as required by the FCRA.

Any delay or failure to comply with this demand will be viewed as ongoing violations of my rights under the FCRA, and I will not hesitate to pursue the necessary legal recourse to rectify these serious violations.

I earnestly hope to find an amicable resolution to this matter through constructive dialogue and cooperation, avoiding the necessity of pursuing any legal actions at this time but if we cant you are criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will have to also follow up with an invoice for said violations ( { {$10000.00} } per violation ).

Sincerely, XXXX XXXX please see attachments to see all the inaccuracies ive been contacting them about since march ive sent in countless letters and received no help with these violations
Product: Credit card or prepaid card

I received a billing statement from Bank of America on my XXXX Credit card with payment due on XX/XX/2021. It had a late fee of {$25.00} plus an interest charge of XXXX for a total of XXXX. 

On XX/XX/2021. I called up the company and asked them to remove the fee since I didn't get the prior bill in the mail. The USPS has been having problem delivering all of my mail. 

Bank of America said that it would not eliminate the fee ( even though I have ALWAYS paid my balance in full and on time while I have had this card ). They said that they didn't receive a notice from USPS that the mail was undeliverable. I told them I can not speak for the USPS but that I didn't get the bill, so I would I know to pay it or to advise them that I hadn't received it. 

The representative at Bank of America contacted her supervisor on my request to eliminate the fee. That supervisor declined. I told them this was unfair and unreasonable. I told them that I have always paid in full and on time, and they still did not eliminate it. 

I requested a closure of my account. I would like a refund of this fee. 

I found that Bank of America has been unfair and unreasonable during this period of Covid 19 when mail delivery has not always worked. I told Bank of America this and I told them that I would be reporting this your office and the consumer protection office or AG 's office ( whichever is relevant ) in the State of Florida. 

Please advise what other information you need from me, and how I can obtain this refund. 

I asked them three times to remove this fee and they went two additional supervisors to try and remove the fee. They all declined. 

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

I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my Early Warning consumer report immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

This complaint is regarding the online bank " Chime '' In XXXX 2023, I received an email from Chime saying my debit card was on the way. I didn't pay much attention because I figured it was a scam, since I did not open any account with them. 
However, on XX/XX/XXXX, I did receive a debit card, with all the documents regarding my brand new bank account ( account and routing number ). I immediately contacted their support to let know that someone fraudulently opened an account using my information. I got concerned because opening a bank requires providing your SSN and confirm your identity. Upon contacting support, they informed me that they'll close my account, and as I was inquiring about the account ( transaction history, date if was requested etc, emailed or phone provided in the application, IP address etc ), I was told I'd get an email to follow up there. 
Within minutes, I received said email, and was instructed to provide a copy of an identity theft claim and provide the last XXXX of my social, which I did. 
To this day, I've exchanged a dozen of emails begging for the information I seek, and I'm given the round around by different representatives who keep asking me the same questions over and over again. 
According to the Fair Credit Reporting Act, I'm entitled to a copy of all the information they have on the fraudulent account, which they blatantly fail to do. Therefor they're not compliant and should be investigated. 

Also, to gage the fraud detection systems they have in place, I created an account with bogus information, and passed all the steps until the congratulation message for a newly created account. Meaning they have XXXX fraud prevention measures, which again puts them out of compliance. 

Customers, beware!
Product: Student loan

I called Mohela in XXXX, because I got a notification my loans were entering repayment while I was still attending school. They told me to have XXXX XXXX XXXX XXXX XXXX  ) send them a new letter showing my enrollment status as still in school minimum part time becuase Mohela had my enrollment status as graduated. I called XXXX financial aid, and they said it would take a few weeks, but they resent it to Mohela, however Mohela has not updated my status and is accruing interest and asking for payment on loans that should still be deferred for in school status.
Product: Credit reporting or other personal consumer reports

Hello! I hope youre doing well. I have an existing XXXX  account. XXXX  doesnt have a secured card. I noticed on my credit report there is a XXXX account with a secured limit of {$6700.00} that is incorrect. I wanted this account deleted from Experian. Im a XXXX XXXX. I have always had prestine credit. I want to continue this. I just read an article where this organization sued Experian for negligence for not reporting information on the consumer reports correctly. I have never had a secured card with XXXX to put up a deposit of $ {$6.00}, XXXX. I need this account removed. I check my credit every month to make sure its accurate. This repository has posted a XXXX secured account on my report. XXXX  doesnt have secured account. I need this trade line removed from my Experian report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry on my credit report. It was from Caliver Beach Mortgage. I have never heard of this company, I never contacted them, and I was not ( am still not ) in the market for a mortgage. This is very clearly a mistake. I have asked to have this inquiry removed and was denied. See attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech Mortgage filed bankruptcy. leaving its customers without any recourse. when I filed a complaint against them for not reporting my payments accurately they simply removed my payment history completely.
Product: Bank account or service

I just called Wells Fargo bank customer service - this afternoon around XXXX PT - and spoke with " XXXX '' who declined to give me his last name, per the bank 's policy according to him. I conveyed to the latter that I 'm XXXX, and as a reasonable accommodation request, I want him/his entity/manager to investigate if somebody else/potentially one their employees has/have been illegally using my account 's private information to possibly open unauthorized account ( s ) using the aforementioned, and follow up with me via e-mail. XXXX declined and stated that it 's not their company 's policy to communicate with customers via e-mail. I reiterated that I 'm XXXX and I was requesting the latter because of my XXXX ; and that his blatant declination thereof was a violation of the ADA and the FEHA. He still declined to reasonably accommodate and stated that he would have his manager contact me via phone only in the future. The reason behind my call/investigation request to Wells Fargo was because of the recent news/lawsuit that was published on the XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the continued reporting of a charge-off account on my credit file, despite multiple attempts to have it removed. This issue has had a severe impact on my financial stability and overall well-being. 

The charge-off account in question still exist in my credit report. Despite my diligent efforts to address and resolve this matter, it continues to be inaccurately reported on my credit file, causing significant damage to my creditworthiness and financial standing. 

I would like to outline the various steps I have taken to rectify this issue : I have submitted dispute letters to all three major credit bureaus - Equifax, XXXX, and XXXX. In these letters, I have provided comprehensive details about the charge-off account, including supporting documentation to substantiate my claims of its inaccuracy. 

I have also attempted to resolve this matter directly with the creditor associated with the charge-off account. I have provided all requested information and documentation to demonstrate that the account should no longer be considered a valid charge-off. 

Given the persistent nature of this issue and its detrimental impact on my financial situation, I have sought legal counsel to ensure that my rights as a consumer are protected. 

Despite these extensive efforts and the substantial time and resources invested, I am deeply disappointed to observe that the charge-off account remains on my credit file. This ongoing situation is causing immense harm to my financial stability and overall well-being. 

I urgently request your immediate intervention to investigate and resolve this matter. Specifically, I implore you to : Investigate the inaccuracies related to the charge-off account and determine the appropriate course of action. 

Promptly remove the charge-off account from my credit file and provide me with written confirmation of its removal. 

Review and enhance your internal processes to prevent similar inaccuracies from occurring in the future. 

Failure to address this issue with the urgency it warrants may compel me to pursue legal remedies to protect my rights and seek redress for the damages sustained. I believe that immediate resolution is essential for the benefit of all parties involved. 

Please consider this letter both an official complaint and a formal request for urgent action. I expect your immediate response within exact timeframe from the date of this letter. Please assist me to removed this charge off account : XXXX XXXX XXXX XXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX/XXXX   XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX ', XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, I did not authorize the following hard inquiries to be made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4 Under the FCRA , credit inquiries from companies I did not grant permission to are inaccurate items that must be removed from my credit report. These unauthorized hard inquiries also violate the Fair Debt Collection Practices Act ( FDCPA )
Product: Mortgage

5/3 bank sent a threatening letter saying that my hazard insurance had lapsed and that they were allowed to charge my account homeowner insurance during period lapse as per mortgage agreement. Letter states I need to show proof of insurance " immediately ", and it must be uploaded onto a certain website - not 5/3 rd webpage, not through 5/3 employ. Problem is- they NEVER checked with my insurance which is auto renewal so there will never be a lapse of coverage. When i called the number on the notice the lady said " don't worry you are fine, i see you up loaded info '' - I said problem is this is someones JOB - nobody ever checked- i should not be getting threatening letters. She said a manager would call me back - never happened. I called insurance company who confirmed- they would have shared info / or lender can " see '' by check some site that it is auto renewal. This is second year i have received this letter and done work for them uploaded proof of insurance. If they want patrons do upload proof of insurance each year- ask nicely, tell me at closing - Local branch also said they couldn't do anything about it as it doesn't come from them -- - Banks shouldn't be able to threaten patroons with large fees, and should do their due diliagence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau is not removing the fraud account XXXX off my credit bureau. I have sent a copy of my police report stating that I was a victim of identity theft and they are still reporting this fraud creditor on my report. it is against the law not to remove a identity theft account if a valid police report is given which it is
Product: Checking or savings account

I had a checking account with citizens bank. I changed banks. The day I went to change my checking account to my new bank, I checked the balance on my citizens checking account. I wrote a check to " cash '' in the exact amount of my citizens checking account and deposited it in my new bank. 
. The following week I received a Citizens letter stating I had a negative balance of {$25.00}. I ignored it. Yesterday I received a letter from Citizens stating that I owed about double that amount, and they threatened to bring me to court. I called the bank and was told that I needed to give Citizens my full social security number or they couldnt look up my account. I refused. I am worried that my credit history would be damaged, but I refuse to pay can you help
Product: Credit reporting or other personal consumer reports

I had a legal name change in XXXX, and in order to update my name with Equifax, I had to File a Dispute through myEquifax.com, and so I did. I created an account and uploaded copies of the court order, my driver 's license, birth certificate, and social security card on XX/XX/XXXX and I received confirmation that my name was updated on XX/XX/XXXX. 

It was at the time I noticed that my address wasn't updated from a previous address. I tried to call them to update my address and was given the following instructions : send a copy of your Driver 's License, social security card, and a COVER LETTER to a XXXX XXXX XXXX Georgia. 

My complaint involves this lapse of logic that Equifax is pushing on me. How am I more easily able to update something complex like my name, by way of uploading documents through myEquifax ; while simultaneously having to go through the trouble of printing paper, buying postage, and sending a letter through USPS for something as simple as a change of address?! 

Further, WHY was I forced to create a myEquifax account to change my name when I'm unable to change other things such as my address through the same account? XXXX and XXXX both allowed me to update both my name AND address through their online portal and/or over the phone, but it feels like Equifax is being deliberately obtuse in updating the most basic of information on my credit file. And don't get me started on how LLCs can have such control over credit without consent. I'd forsake Equifax in a heartbeat in favor of XXXX, if for no other reason than the XXXX data breach that is likely the cause of this nonsense I'm complaining about. 

I doubt the CFPB can enforce anything requiring Equifax to be consistent with their processes, but I'm submitting this complaint regardless with the slim hope that maybe something beneficial will occur to prevent others from having to deal with this indiscriminate nonsense ( I'd prefer a different adjective to describe this, but that word would likely cause this complaint to be rejected or ignored. Rest assured it is quite profane ).
Product: Debt collection

On XX/XX/23 I received an email about my credit report score being lower. When I looked into why, I found a collection account of {$1600.00} from XXXX XXXX XXXX XXXX XXXX. I immediately tried calling and them I reported it as fraud on my credit report. I called them once again and was able to speak to someone, who told me the account is for and address in XXXX XXXX- with my name and ss #. I told her I never live there and I don't know anyone who lives there nor did I give anyone permission to use my information to open any accounts. She refer me to FTC and suggested I filed a consumer complaint and that is what I'm doing.