23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX     2016 I  called century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.
Product: Credit card

I received notification from my First Access Visa card that an address change has been made on my account. The change was from my address in XXXX, MD to an address in XXXX, XXXX. I have neither moved nor requested an address change on my account. When I put in my login information on the myccpay.com website, it tells me my credentials are incorrect. I called First Access lost/stolen number and reach a XXXX (? ) XXXXXXXX XXXX XXXX 
The verification process performed by XXXX was a joke! He only asked for my XXXX XXXX and Full Name - That's it!! During the call, I was able to ascertain from XXXX that the email address has been changed but they still have my Social Security number. It's easy to see how some random person can call and change the address and email since there is pathetically no security with First Access accounts! I requested and received confirmation from XXXX that the account is now closed.
Product: Credit reporting or other personal consumer reports

Experian is reporting multiple closed account that should not be there. The company have ignored all my request to do a thorough investigation on verifying these errors. They use 3rd party services to immediately verify the account without actually looking into it. This company has had several complaints submitted about how they violate and report inaccuracies on customers consumer reports. I was forced to escalate after reading several reports and reviews about how Experian has conducted business unfairly in the past. They have guidelines directly on their website that they continue to violate. This has been unfair and has caused damage to my credit worthiness and reputation.
Product: Bank account or service

Back in XX/XX/2001, I had a checking account with Wells Fargo. I did n't look at my statements every month but after over a year, I did look at my statement and noticed a $ 10 monthly charge for " Online Banking '' -- something I did NOT sign up for or authorize. This prompted me to go over my previous statements, whereupon I saw that Wells Fargo had been charging me this fee for over a year! When I called to complain, I was told that I would only be reimbursed for the past 3 months ( {$30.00} ), because I should have noticed this sooner. Soon after this, I closed my account with Wells Fargo. Now, in light of all the fraudulently created accounts that have been discovered, I think it 's worth sharing this complaint to show that this nefarious practice goes back for at least 15 years. I no longer have any of my bank statements from that time, but if Wells Fargo still has them, I would like this to be investigated, and to be compensated for the money they stole from me. Thank you.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred in the last couple years since Ive had Navy Fed. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX  ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

I don't recognize a hard inquiry on my credit report on XXXX from XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a netcredit loan when I was struggling to pay my bills. I took a loan for XXXXXXXX XXXX XXXX XXXXXX/XX/year>, and now 9 months later owe {$1100.00}. Now while they say there's no interest on this loan they take what is called statement balance fees. So as of now my current payment of {$190.00} in monthly payments is being charged {$120.00} a month in fees which is making it literally impossible to ever get out of this debt. And at the beginning the fees were even higher per a month making it even mor difficult. In 9 months I've paid roughly {$2000.00} into this {$1300.00} loan and still owe {$1100.00}. This is beyond predatory actions. It is completely designed to keep you from paying off the loan while making them rich. I have reached out to them and ask for help and lowering the fees and was told that its not possible. This has to be stopped. This company is preying on desperate people in need.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and unverifiable information in my credit report under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX et seq. 
I sent Equifax this request via XXXX XXXX Mail on XX/XX/year> 2025
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX. 

This account was reported as ID THEFT XX/XX/XXXX. 

This account was DELETED from my report in XX/XX/XXXX. 

See attached DELETE CONFIRMATION. 

This account has RE APPEARED on my report.
Product: Debt collection

Eagle recovery has continuously called me but not once sent me anything via mail to make payments on my medical bill that is in collections with them until they wanted the full amount. Now they want an outrageous monthly balance even though I try and work with them. Claiming it will be too long to pay off if I give them a smaller monthly balance. I thought that 's what we were talking about in the first place, and what I was giving them was reasonable for what I can afford on a single persons budget with everything else I have to pay. They are n't the only bill.
Product: Credit card or prepaid card

I 'm seeing a hard inquiry by Cbna on my credit report, never saw it before but it appears now on my report from XXXX saying its from XXXX 2016 I never requested anything from this company I 'm almost sure it 's a ID theft issue please provide me some help as I ca n't go thru XXXX, I 've tried but for some reason it does n't let me go thru. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX   violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report this is a violation on my consumer protection rights.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Former : XXXX XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The facts that I know is that an inquiry was placed on XX/XX/2019 by Equifax Mort. The address that shows up is XXXX XXXX, NJ XXXX and their phone number is ( XXXX ) XXXX. After contacting Equifax Mort on XX/XX/2019, I was informed that XXXX was the one that used the software for this inquiry. I was given a reference number and instructed to call ( XXXX ) XXXX. After doing so and providing my name, it was mentioned there wasnt any information in the system at the time. 
In addition, a person by the name of XXXX contacted me from XXXX and let me know that she sees an application started but not finished. I let her know that I never started anything and that Im working with XXXX to get this fixed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. 
I called the company on XX/XX/2019 and I called Equifax and XXXX on XX/XX/XXXX and XX/XX/XXXX XX/XX/2019 and they have no been any help at all. They said there is nothing they can do. Except to contact the creditor and ask for a deletion letter which I did and still waiting on but have not heard a Yes or No on.
Product: Credit reporting

I recently bought a home. I went on line to the XXXX reporting agencies for my free credit reports. I found the sites difficult to navigate and before I was through, I had become a member of both XXXX and TransUnion. I was afraid to tamper with the process, so I kept the memberships in effect until now. I was able to terminate my membership with XXXX without difficulty, but have found the TransUnion website to be very opaque about the process. It looks like I have to call a phone number during working hours to be able to terminate my membership. That is not right. I should not have been directed toward membership in the first place, and it should not be difficult to terminate a membership.
Product: Debt collection

I was alerted by a credit monitoring site that a negative account was placed on my XXXX report. I never received any mail / notice from the company to let me know that I even had a debt. The report says I opened this account in XX/XX/XXXX, I was XXXX XXXX XXXX in XX/XX/XXXX I DID NOT TAKE OUT A XXXX LOAN OUT FOR SCHOOL at XXXX XXXX XXXX!!! I want this taken off my credit report immediately!! This company could have at least let me know about the debt so I could either pay it off or dispute it if its not mine! I have not been in school since XX/XX/XXXX so even if this debt is mine that means the account is over 7 years old!!!
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a tablet, keyboard, and stylus and paid additional for expedited shipping online at XXXX. The cost of the tablet was {$500.00} and the cost of the expedited shipping was {$18.00}. The total purchase price was {$550.00}. I used XXXX to complete the purchase which was charged through my Discover Card. On XX/XX/2018 I received the keyboard and stylus but not the tablet. I contacted the merchant about not receiving the tablet and they claimed they were out of stock and that it would ship on XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped and I contacted the merchant again and they stated the expected shipping date was now XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped. I opened a claim with XXXX that I did not receive my entire order. The merchant provided to XXXX the shipping information for the keyboard and stylus only and XXXX chose to resolve in their favor. I then proceeded to open a claim with Discover Card. I provided them with complete documentation showing my correspondence with the merchant about not receiving the tablet and the merchant acknowledging they had not shipped the tablet. However, the merchant proceeded to provide the same shipping information to Discover that the keyboard and stylus were shipped and Discover resolved it in their favor as routine practice. I contacted Discover again on XX/XX/XXXX. Upon reviewing the documentation they claimed they would reopen the dispute as it was routine practice for them to resolve in the merchant 's favor as long as a tracking number was provided. They had not even bothered to inquire as to whether the entire shipment had been sent. I had explained to them numerous times that the keyboard and stylus that they shipped are useless without the tablet as they will not work with any other tablet. This is tantamount to purchasing a car and the dealer only giving you the keys to the car but never delivering the actual car. I had even offered to ship back the keyboard and stylus at the merchant 's expense since they were unable to provide the actual usable product which was the tablet. It has now been almost 4 months that I have been trying to resolve this through all the applicable channels through XXXX, XXXX, and Discover. All 3 companies have been extremely dishonest throughout the entire ordeal. For all they care, I could have been shipped an empty box with a tracking number and they continue to uphold the charge as valid. Also, because I opened a claim with my credit card company, the merchant has indicated they now have no intention of ever shipping the tablet. Basically I got scammed out of {$550.00} because the merchant knows how to game the system with the credit card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple futile attempts to dispute the fraudulent items with you. Your correspondence stated that the account in question " WAS PREVIOUSLY INVESTIGATED. '' I diligently accessed my Credit report through your respective websites and obtained copies of the information pertaining to : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$240.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcy Reference # : XXXX. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), it is mandated that upon receiving a dispute, each consumer reporting agency must conduct a free reinvestigation, accurately record the current status of the disputed information, or remove the item from the file within 30 days. This timeframe commenced on the date the dispute was received, and unless the account is deemed frivolous or irrelevant, there has been no indication that my dispute falls under these categories. Yet, the item continues to persist on my file with a mere last investigation. Given this information, I demand the immediate deletion of the disputed accounts from my Credit file in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT entertain another reinvestigation of the account ; ONLY deletion will be acceptable.
Product: Credit reporting

I have been trying to get XXXX and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real with Chase and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally Chase sent me a letter stating they did n't have the file with the documentation to support this debt ..a clear violation of the Fair Credit reporting Act ... ..but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the chase documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring chase on the phone and verify it with me ... ..Chase refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call XXXX agent hung up on me and the other XXXX agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it due to unverifiable records and the company Chase says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to ... .... attached PLEASE Find Documents from Chase themselves stating they do n't have the information cause they sold the debt ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX the account with the creditor XXXX  XXXX XXXX was deleted off of my credit report. On XX/XX/XXXX I received mail from a creditor XXXX stating this is an attempt to collect a debt. Thing is what debt do I owe them? I never signed any agreement with XXXX XXXX I then sent them a Validation of Debt and a Cease and Desist letter certified and requires a confirmation signature which I yet to receive or any documentation that validates that I owe them anything. On XX/XX/XXXX I received a email alert that there's been a change to my Experian credit report. I log in and see my score had decrease and a Collection account has been added to my report. First by law Experian was suppose to inform me that something was about to go on my credit in written form. Never received that. Second XXXX/ XXXX has yet to validate this debt but Experian allow them to place a CollectioXXXX account on my credit reporting report. Experian failed to follow the law as a Consumer I have rights 15 U.S.C 1681i ( b ) ( i ). Because they failed to do this I request that this account be deleted back off my credit report and update my file. This has caused me a great amount stress because I am working really hard to stay the course and these credit bureau to feel like they have the right to add something on your report without Validation is crazy and unprofessional because they are aware of the laws and the rights as consumer and I have already dealt with this creditor and the account was removed.