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

I submitted this complaint to update this suspicious information. Credit Bureaus must REMOVE these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an Old Navy Rewards credit card. Recently they moved this card to Barclay 's. I never received the new card nor new statement. I received an email in XXXX, 2022 that I have an outstanding payment on my account but was unable to pay it since I don't have the new card to setup payment online. I called Barclay 's on XX/XX/2022, made a payment over the phone and the agent cancelled the missing credit card and requested a new card to be sent. The late payment fee of {$30.00}, was also reversed, per the agent. 

Then in XXXX, I received a statement that I owe {$64.00} ... all service charge. The agent that I spoke with the first time, didn't reverse the {$30.00} correctly, therefore, resulting in interest charge and additional late fees... now totaling {$64.00}. I once again called and the agent on the phone said, she can see that the first {$30.00} late fee was not reversed which resulted in additional late fees and interest charge. This agent said she will reverse all the late fees and interest charges on the account and at which time, I requested the account to be closed. I was assured the account is closed and all the fees are reversed. There will not be additional charges. 

Then in mid XXXX. I received a letter indicating that my account is closed as of XX/XX/2022 but there is an outstanding balance of {$67.00}. On XX/XX/2022 at XXXX XXXX  pacific time, I called Barclay 's once again and spoke with a XXXX. She reviewed the account, confirmed the account is closed and see that there is an outstanding balance because the fee reversals which was supposed to occur previous months didn't take place and additional service fees and late charges continues to be added to the account. XXXX has once again reversed all the lates fees and service charges and has assured me that the account is at a " XXXX '' balance. 

I won't be surprised if I see another statement in XXXX indicating a higher outstanding balance as more late fees and service charges are being added. I have no confidence that Barclays will take care of this issue, one that began when my account was transferred to Barclay 's and I never received the new card. 

The act of charging late fees on top of fees that was not reversed correctly is absolutely ridiculous. Having a customer call back multiple time to resolve one issue is unacceptable.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I made two purchases to XXXX for services in XXXX, XXXX. One was for {$81.00} and the other for {$94.00}. One was a day trip to XXXX, XXXX, XXXX XXXX XXXX with lunch, the other for Airport shuttle to and from XXXX XXXX at {$44.00} a transfer and before XXXX percent off XXXX, online discount. XXXX XXXX, 2017 came around and driver and tour guide at XXXX saw me using a cane and said they did not feel I could walk the 800 steps at the XXXX XXXX. I watched the youtube video a couple months prior to learn there were 400 challenging steps and a lift. The driver said there are now 800. Driver made tour unavailable. and would not do a refund for the XXXX XXXX. I asked XXXX twice to dispute with XXXX in XXXX who claimed that I " resignated '' and they will not do refund. I shared this with Bank of America on XXXX/XXXX/2017 who said no one has to give refunds unless I did not do a portion of the tour, that it was their word against mine in XXXX, and that the topic is not up for discussion any further, that Bank of America will document that the Company said " no refund. '' The rep from bank of America was curt and rude. I waited two hours for a call back and she was nameless and treated me like I am a pain in the XXXX and stupid. I told her I will file a claim with my travel insurance. She said good and bye bye. I 'm tired of getting no where with Bank of America. I 'm thinking about leaving their Bank again because the reps get younger, move too fast, and claim there is not much they can do just to go with a credit union. I was treated horribly. Not only am I placed on hold for complaining and XXXX there reps off at the Bank. But, I 'm not getting any refunds. Being told the case is closed. They keep sending me rejection letters as if I would try again to reopen any case. Also, the Bank is forcing me to pay extra for travel insurance. They do n't work to protect my money and are not on my side. They get testy and rude.
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, EXPERIAN, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Product: Credit card or prepaid card

I contacted Discover Credit Card regarding an erroneous {$500.00} transfer from my account that occurred on XX/XX/2020. They determined it was fraud and credited my account. They cancelled my card and gave me a new account number and card. 
XX/XX/2020 the {$500.00} was credited. 
XX/XX/2020 {$500.00} was erroneously taken out. XXXX it was credited back to my account. XX/XX/2020 {$500.00} was taken out again. XX/XX/2020 it was credited back to my account. XX/XX/2020 again {$500.00} was taken from the account. XX/XX/2020 they charged me a late fee and interest AFTER I had closed the account and was assured this was taken care of. Each month I have called Discover and each time I talk to 3 to 5 representatives taking about an hour of my time. Each time I was told it was corrected and it would not happen again. I finaly froze the account, but after another erroneous {$500.00} withdrawal I told them to close the account. I was assured they would correct this. They have not as of XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I wrote a letter to Equifax disputing a collection account from XXXX XXXX XXXX , XXXX. from client name : XXXX XXXX XXXX XXXX XXXX. My dispute was received by quifax on XX/XX/XXXX.

They advised tha the item was investigated but it was not removed from my account.

On XX/XX/XXXX, I wrote another letter to Equifax that was received by Equifax on XX/XX/XXXX. I requested that they provide thieir method of verification as is required by the Federal Credit Reporting Act. Specifically, I asked : Who did they speak with?

What was the date?

How long was the conversation?

What was their position? What is the name of their employee that spoke directly to the creditor? and What is the position of the employee that spoke directly with the creditor.

They never provided any of the above information. They simply said that the information was verified.

As I work to get this item removed from my credit report, the above information is key to me being able to follow up effectively.

Equifax did not provide the information that I requested.

On XX/XX/XXXX, I sent another follow-up letter advising them that, as they failed to comply with Federal Regulations, they need to remove this item from my credit report. However, this item remains on my credit report.

Any assistance you can provide in the resolution of this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX from XXXX XXXX, IL do swear that I am indeed writing & submitting this CFPB complaint by myself on my own behalf. Now I have submitted 4 disputes to TransUnion to have inaccurate items removed from my credit report as well as some unknown things I don't recognize. Now I am filing a complaint with you all ( CFPB ). My last dispute I mailed in was XXXX of XX/XX/2021 and the XXXX dispute XX/XX/XXXX. I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic being a XXXX female and ignoring my request. I feel as though I am being taken advantage of at this point. I am a well educated XXXX woman with her PhD. Now I am demanding that these accounts and items not only be deleted from my TransUnion credit report, but I AM demanding that these accounts/items be deleted immediately or I will be filing for litigation because I know my rights. The insane amount of stress this is causing me is unbelievable. Now my personal information was also apart of that XXXX Data Breach that occurred. I shouldn't be penalized for their mistake. I believe my information may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX XXXX true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX XXXX  XXXX  # XXXX {$310.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction (

s ) that I have made. It is the result of identity theft. PLEASE BLOCK AND REMOVE ONLY TH
E FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX XXXX   # XXXX {$310.00} Inquiries : XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX  # XXXX {$310.00} XXXX XXXX XXXX XXXX # XXXX {$190.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I applied and was granted credit cards from two companies. I also applied to XXXXXXXX XXXX XXXX XXXX  responded DENYING credit based on " a change on my TransUnion credit report.

I then went on line to TransUnion providing all personal information TransUnion requested and then advised TransUnion could not assist me because " something is wrong with our ( transUnions ) system try again later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have incorrect addresses and names on my Credit Reports that need to be deleted. I spoke to a representative at Equifax and XXXX on XX/XX/20. They refused to remove the inaccurate and incorrect information.
Product: Mortgage

Mortgage for XXXX XXXX XXXX XXXX, XXXX XXXX, CA was transfered from XXXX to Lakeview Loan Servicing XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022. 
The terms of the loan were changed. My previous loan did not have an escrow account. Lakeview is now charging for tax and insurance. I have contacted Lakeview several times via phone and email. They have not responded. The keep sending me harassing voice messages to recover the funds they do not deserve
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had Fraudulent accounts on my report. Please remove these accounts from my credit report. they are hurting my ability to obtain credit.
Product: Credit card

I had set up autopay for my credit card online with Commerce Bank. On XXXX XXXX, Commerce showed that my payment had gone through in their system. On the XXXX of XXXX, I learned that the payment had been reversed. I contacted Commerce to what the situation was. I went through my routing information with them to learn that my auto pay was XXXX digit off. The support staff was helpful and they changed my autopay routing number over the phone and then deducted the original payment as desired. 

My next auto pay was set to occur on XXXX XXXX. I logged onto my online account on XXXX XXXX to make sure everything was all set only to find out that my auto pay had been cancelled. I re-setup the auto pay but it said my XXXX payment was to go in effect on XXXX XXXX. There were no other options to immediately pay online so I contacted Commerce support again. I stated to him exactly what had happened and that I needed to confirm that my payment would be occurring on the XXXX of XXXX. He assured me that it would come out the next day and I again explained that the online system showed it would n't come out until XXXX XXXX. He again assured me that the payment would come out on XXXX XXXX. I asked for some sort of confirmation number and he stated that he was unable to provide anything but again assured me that my payment would come out. 

Not believing a lick that he was telling me, I emailed customer care telling them : '' -- - Original Message -- -Sent : XXXX/XXXX/2015 XXXXTo : CBISubject : Account InformationI just wanted to leave a message for you regarding my autopay. This will serve as notice if my bank account is not debited tomorrow ( XXXX/XXXX/15 ) that I have indeed attempted to pay on time. On XXXX/XXXX/15, I logged in to confirm what date my autopay would go through. At the time, it appeared that my autopay had been cancelled so I reset it up, however, it showed that my next payment would be XXXX/XXXX/15. There was no other means to allow me to pay online so I contacted customer support over the phone today, XXXX/XXXX/15, to confirm when my payment would be made. The support specialist today me that my payment should come out tomorrow even though online it shows that my next payment is coming out on XXXX/XXXX/15. I asked the customer support person to make a note that I confirm my payment would be coming out tomorrow. If for some reason, it does not and Commerce charges me an overdraft fee, I will notify the CFPB and this email will be included in that complaint. I hate to be pessimistic but I am concerned as the payment online shows XXXX/XXXX/15. " Sure enough Commerce did n't deduct my payment on the XXXX and charged me a late fee. Additionally, I was being charged interest on a balance that should have been lower. Thus, I was fraudulently charged interest in addition to the late fee. This is horrible business practices full of deceit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only Equifax deleted these accounts from my credit report. I have followed up with XXXX  and XXXX with follow suit letters with still no response. I am requesting that XXXX and XXXX follow suit of Equifax and delete the six XXXX XXXX accounts from my credit report. XXXX and XXXX can confirm by reaching out to Equifax to confirm this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my outstanding balance in full as of XX/XX/18 and contacted XXXX XX/XX/XXXX after viewing my credit report. The transunion report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via Transunion. On XX/XX/XXXX I received notice from Transunion the dispute was complete and reviewed my credit report. The update submitted by XXXX indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted XXXX on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated dispute submissions, Equifax consistently responds within 24 hours, stating that the account in question is accuratewithout providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes. The rapid response time and lack of supporting evidence strongly suggest that Equifax is not fulfilling this legal obligation. 

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as demonstrated in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . Given this pattern of noncompliance, I urge the CFPB to take appropriate action to ensure that Equifax adheres to federal law and provides consumers with the necessary proof of a reasonable investigation. 

The disputed account number is XXXX. 

I appreciate your attention to this matter and look forward to your response.
Product: Debt collection

Omni Financial has already sold off the debt, they have not tried to contact me in any way shape or form and they continue to consistently on an almost monthly basis update and flag my account as a charge off debt, which refreshes the date of the account everytime. doing this they will keep this flag on my account forever and that is not legal.
Product: Credit reporting or other personal consumer reports

Equifax was supposed to send me a email or a letter pertaining to the data breach settlement never received anything from them because they have so many different addresses that do not belong to me on my credit file. also try to contact them to see about the data breach and put my information in and it come back that my information was compromised in the breach and generated a number XXXX, and no one will help for Equifax, and it hurts me that I did not get compensated. I call this number XXXX call this XXXX and they don't help at all they don't pay me.
Product: Checking or savings account

I opened a checking account in branch on XXXX for a {$500.00} bonus. I completed the requirements for the bonus but only {$300.00} was credited to my account on XXXX. I sent a message to the company on XXXX and was told that the bonus for {$500.00} didn't exist. I told them that I had documentation showing my bonus and they told me I had to go into the bank. I went into a branch on XXXX and my documents were uploaded. I was told it would take a week to fix and I heard nothing. I sent another message on XXXX that asked the status and was told that my request was esculated and I would hear in mail in 14 days and I haven't received anything.