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

I have a BREAD CASHBACK AMERICAN EXPRESS CARD. Recently, my identity has been reported stolen, which caused me a lot of trouble. But what I really don't understand is that my identity was stolen, but the result in fact is that my own credit card was forcibly closed, and a bank account was also closed recently. My identity was stolen, and now this company is also closing the credit card I applied for myself without my permission. I really don't understand why my identity was stolen, but in fact was my own account has been and was closed. I am very angry and feel that it is unfair that all these banks have not respect me or contacting me in the matter of fact Say close and close.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of Late I seem to have a problem with all three Bureaus ( XXXX, Equifax, and XXXX ) I contacted them all numerous of times on the inaccurate information being reported on my credit profile and the information still remains. I wanted to know what was the status on removal of the collection debt ( The XXXX XXXX Account : XXXX # # # # ) This account has inaccurate information across the board from the ( Opening date, Closing date, Last reported date, Name, and address ). This is in violation of 15 U.S.Code 1681i Procedure in case of disputed accuracy all information reported on any credit report should have 100 % accuracy when furnishing data. Also there are three inquiries that are supposed to be removed as well however they are still on XXXX and is not on Equifax or XXXX. The Inquiry Accounts were XXXX XXXXXXXX : Report Number ( XXXX ), XXXX Report number ( XXXX ), and XXXXXXXX XXXX XXXX Report number ( XXXX ). With that being said this is also a violation of his is in violation of 15 U.S.Code 1681b. This is causing detrimental harm to my credit report, life, living circumstances and according to FDCA 15 U.S. Code 1692k - Civil liability in the case of any action by an individual damage sustain by such person should receive not less than {$1000.00} and no more than {$500000.00} per violation. For my consumer rights being violated I will accept {$2500.00} per violation as compensation for my pain and suffering.
Product: Debt collection

XXXX United Wholesale Mortgage loan recast from $ XXXX to $ XXXX. 
XXXX XXXX {$95.00} Mortgage Insurance premiums ( XXXX ) still being charged. A formal removal request sent XX/XX/22 XXXX {$510.00} paid for reported escrow shortage XXXX statement with XXXX {$95.00} PMI charges
Product: Credit card

American Express has refused to allow me to cancel my card without charging me fraudulent fees after I cancelled my American Express card. I cancelled my card on XX/XX/XXXX and paid the balance due. American Express charged me {$95.00} membership fee on XX/XX/XXXX after I cancelled my card. I was totally unaware since I cancelled my card and was assured there would be no more charges. They charged me interest fees and {$40.00} dollar a month late fees for the unpaid membership fee they posted after I cancelled my card. I found out in XX/XX/XXXX American Express reported a 60 day late notice for {$210.00} invoice with the credit agencies. American invoice for {$210.00} was for charges ALL after I cancelled my card. {$95.00} membership fee charged on XX/XX/XXXX and monthly late fees of {$40.00} a month & monthly interest fees since XX/XX/XXXX fraudulent membership fee posted. XXXX sent me a notice of the American Express 60 day late payment for {$210.00}. When I contacted American Express the last 5 digits of the cancelled card was XXXX. After I insisted American Express credit the fraudulent charges posted to my account after I cancelled my card & American Express refused. I noticed soon after I got off the phone American Express changed the last 4 digits of my card from XXXX to XXXX. I never requested or approved a new account number! American Express has sent me new cards every time I try to cancel my card to create more membership fees and late fees. I NEVER want another American Express Card! They have no right to send me new card numbers. I want the new account number cancelled and a credit for the fraudulent membership fee, late fees & interest fees charged after I cancelled my card.
Product: Checking or savings account

On XX/XX/scrub> 2025, I deposited a check I reccied in the mail from the Consumer Financial Protection Bureau reading a lawsuit from XXXX XXXX XXXX. After depositing the check I got an alert from Capital One saying there was a hold on the check until XX/XX/year>. Furthermore, I received an email alert saying my account was restricted because this check seemed fraudulent and I needed to speak to someone to verify my details. I talked to a Capital One rep on XX/XX/scrub>, 2025, and I explained where this check came from and verified some details such as what phones I access my Capital One account from and how many devices I have. On XX/XX/scrub> 2025, a little after midnight my check appears to have gone through but Capital One will still not let me access my money. I have done everything they asked but I still don't have access to my money. As of XX/XX/year>2025, this issue has not been resolved.
Product: Credit reporting

To whom it may concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the numerous written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite numerous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Also I noticed a XXXX initial fraud alert was placed on my account. I have never requested this before and I am demanding for it to be removed off my account immediately. 


I demand the following accounts be verified or the deleted immediately. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is a notice that the following account notations and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. 
These are the errors that must be corrected immediately to avoid corresponding penalties : XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX  XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX  XXXX  XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS XXXX DUE ; Update to PAID My latest TRANSUNION File Number XXXX 15 U.S.C. 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

The aforementioned Corporations have not provided a notice that complies with 15 U.S.C 6802 ( a ). This is a violation of consumer and customer law.

Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added Do not delete the accounts referenced above, correct it so it reads PAID. Your company has violated consumer protection laws numerous times in relation to these accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws. 
If you can not procure and produce a statement signed by me allowing them to share such negative information you must remove these negative items at once. These documents should be in your possession now. You shouldnt have to contact the Corporations listed above. Without delay remove these negative notations from my consumer report with haste as my ability to contract in commerce is presently being negatively affected.
Product: Credit reporting or other personal consumer reports

This morning, I came across incorrect accounts listed on my credit report, and I have no clue how they appeared. As part of my routine, I reviewed my report and was surprised to find inconsistencies. I attempted to refresh my browser in case it was a minor error, but the incorrect accounts were still there. Given this issue, I ask that my submitted documents be carefully examined so I can put this concern behind me.
Product: Student loan

I have been paying on my student loan since I graduated from college in 2008. The company never made any payment going towards my principle. They keep recommending forbearance and unstructured repayment plans. To this day the balance has never changed from the original loan well over nine years ago. Please help! I hope the attorneys win their lawsuit against XXXX XXXX now called Navient.
Product: Debt collection

I have received countless harassing phone calls from XXXX XXXX XXXX for a debt that I have never heard of in my life. They call at all hours, and on Sundays, and they change the phone numbers they call from so I am unable to block them. I told them to stop calling and they ignored it. Please help! I have read so many online reports of this happening to others as well, so they need to be stopped!
Product: Checking or savings account

On XX/XX/ Navy Federal Closed My Account Due To A Mistake On Their End And Took My Account For Fraud Because Of Something They Did On XX/XX/XXXX XXXX XXXX  Navy Federal Bank Took My Hard Earned Work Checks From A Closed Account
Product: Debt collection

A rep for USI Solutions contacted me Friday threatening to sue me for a XXXX XXXX account XXXX that is more than 7 years old and past the statue of limitations. i explained to her the account age and asked her not to contact me, today i received a letter in the mail stating if i do not make arrangements to pay them within 30 days they were going to file a judgement against me which is illegal because of the SOL law.
Product: Student loan

This is a follow-up to complaint filed with CFPB (  XXXX  ), filed against  Navient. Recap : I 'm trying to pay down my student loan as quickly as possible by paying more than the m inimum each month. I set up monthly autopay but the amount set for each month continuously decreases without notice or permission, even after numerous contact with  Navient and  explicitly telling them not to lower the monthly amount. The last complaint from late  XXXX  about this same issu e. Navient resp onded and provided instructions on how to prevent this. Update : This worked for 2 months and then happened again in  XXXX   XXXX . I have followed up directly wit h Navient to inquire why this is happening again, even when I followed the instructions provided by their representative. Representative was unable to provide an explanation or assurances that this would n't occur again. Once again, Navient is trying  to extract as much money from me by attempting to make my payments last as long as possible.
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. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX file dispute with each credit report agency Experian, XXXX and XXXX. I reached out to them because of inaccurate information that is being reported. I had a account with XXXX consumer which was open on XXXX XXXX I have suffered a lot with that company they increased the payment that I should be paying each month when the account wass open without informing me and then covid came in I lost my income due to an injury the account was not in a charge off state and it closed XX/XX/2021 but I have noticed that the credit agency 's keep reporting it as Charge off even though the account was closed and that is illegal according to the FCRA 623 provisions.

The dispute was completed and the only thing Experian did was update the information after I requested it to be deleted from my report.

If you take a look at the attached information on my credit you will see that information is on my credit but no payment history on XXXX but have a charge off the information is not reported accurately and I need it removed that's utterly ridiculous and it's causing confusion. 

According to the FCRA Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


After the investigation has been completed and the account removed from my credit I would like for each Experian, XXXX and XXXX to send me an updated report of my credit after the investigation has been complete.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies XXXX XXXX XXXX XXXX, DATES : ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX, DATES : ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX, DATES : ( XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. XXXX XXXX XXXX, DATES : ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX DATES : ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, DATES : ( XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATES : ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, DATES : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DATES : ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, DATES : ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, DATES : ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX  DATES : ( XX/XX/XXXX ) XXXX XXXX XXXX, DATES : ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX, DATES : ( XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX  DATES : ( XX/XX/XXXX ) XXXX. XXXX, XXXX : ( XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; XXXX, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I submitted a letter to the Transunion Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

XXXX did not timely submit claim to insurance ; debt is invalid.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I paid my account balance of XXXX in full and still was charge an additional {$160.00} interest rate. On my XXXX statement from XX/XX/XXXX-XX/XX/XXXX, it says that I had a previous balance of {$11000.00} and had made a payment of {$12000.00}, paying my previous balance in full. On my XXXX statement it included one charge that hadnt been paid of {$67.00} from XX/XX/XXXX and received an interest charge of {$160.00}. I called and explained that I paid my previous statement in full and it didnt make sense that they continue to charge me interest fees, especially since I havent experience this with other credit cards or other car/student loans. Usually when you pay the full balance, that stops the collection of interest rate fees. They said the charge was correct and can continue charging interest until two months in arrow are paid in full. Someone could easily pay off their credit card in full and continue accumulating endless interest fees. This feels like predatory business practice that should be change and most likely impact other customers. Also, their should be a refund for interest rates charge after balance was paid it off.
Product: Bank account or service

My bank is Pacific Western Bank at www.pacificwesternbank.com. I am in dispute over {$1200.00} in unauthorized debits from my account, which the bank refuses to recognize, as they will only initiate the dispute is its 60 days or less. I only recognized when my account went into the negative. I want all fraudulent charges disputed nd all funds returned, including any and all NSF or Overdraft fees since the first unauthorized charge/debit occurred. My name is XXXX XXXX XXXX at XXXX CA. XXXX.
Product: Mortgage

I was told by lonedepot XXXX XXXX Licensed Lending Officer NMLS # : XXXX, the total closing cost is around {$3000.00}. After they put different things including that I purchased points and origination fee of 2.8 %, which is to inflate the closing cost .it is outrageous to trick your customers in such manner, and make them sign documents. And they also did the same thing to my other friend who I referred. 
And I believe it deceptive and illegal to, charger my credit card for more than {$500.00}, run credit history, and to access my information by giving me a misleading information. 
Because of this my credit run has been affected. I want them to fix that. 

They recorded they conversation we had. That will proff what they do their customers!!