23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX  : # XXXX XXXX XXXXXXXX : # XXXXXXXX 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 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 to any 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

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 XXXX XXXX XXXX. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian a few weeks ago and still havent been notified as to what the status is.
Product: Bank account or service

In late 2014, I removed overdraft protection services from a Wells Fargo checking account. I did so while going through tough financial times to avoid the large and onerous {$35.00} overdraft fees. Through my Wells Fargo debit card, I have multiple automatically re-occurring payments set up for services like XXXX, XXXX and XXXX streaming video services. In the past when my account balance has been insufficient to cover those transactions, they 've been denied by the bank as expected. I can point to specific instances on XXXX XXXX and XXXX where this occurred. Last month, on XXXX XXXX, a payment was submitted by XXXX for {$8.00} when my account balance was a negative balance of approximately {$240.00}. As expected, the payment was declined. On XXXX XXXX and XXXX, I made deposits to my account totalling {$220.00} to bring my account balance to about negative {$20.00}. On XXXX XXXX and XXXX, XXXX reoccurring payment were submitted for which my account balance was not sufficient. Contrary to my expectations, these payments were authorized and I was charged for XXXX seperate {$35.00} overdraft fees, a total of {$100.00}. In contacting Wells Fargo today, they were unable to provide any explanation of why these payments were authorized and overdraft fees were charged, contrary to what has occurred on my account in the past. The only suggestion they could provide was that perhaps the merchant/vendor had done something different with the payments. To that end, I contacted the customer service of a specific merchant ( XXXX ) to check to see the payment they submitted on XXXX XXXX differed in any way from previously pre-authorized payments. Per their customer service, it did not. I was also advised that XXXX submitted another pre-authorized payment attempt on XXXX XXXX which was also declined by Wells Fargo. So far in contacting Wells Fargo, I have been unable to determine either why payments in the past they claim should have been authorized were not, nor why payments these payments were authorized, despite of payments for the same amounts from the same vendors in the past being declined. I suspect, though can not confirm, that there exists some rule within Wells Fargo ( perhaps unknown to their customer service representatives ) that overdraft transactions are somehow authorized or declined based off of account balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is with Equifax. Tried to get it closed it has reached statute of limitations 7 years. XXXX  and XXXX  has moved it from my credit report. So I'm wondering why Equifax has not moved it.
Product: Checking or savings account

A cashiers check was deposited into my checking account today in the amount of {$6000.00}. I called around XXXX pm XXXX XXXX XXXX to receive an estimated date of when the funds would be available ; and the customer service representative started interrogating me. I told the representative that she was out of line and requested that the call be escalated to a supervisor so that I could file a formal complaint. The representative placed me on hold and never returned to the call. I received an email shortly afterwards stating that a hold had been placed on the cashiers check because information was received that the check would be returned. These funds are valid and no return was initiated by the depositor and she is a family member.
Product: Credit card or prepaid card

We purchased an XXXX  treadmill over a year ago. The product came with a subscription program to watch video with trainers while running. The product came with a year free of the subscription. At the end of the year, we requested that the subscription NOT be renewed as we did not use it and have NOT used it in almost a year. The company XXXX ( which, according to my research, are actually one corporate entity ) decided to charge us {$420.00} on XX/XX/2022 for another annual subscription and charged it automatically to our store charge account we have with them. We requested on numerous occasions over the past few months in email and over the phone that the service be cancelled and refunded. They have flat out refused to do so saying that it is another division of their company that handles that issue and when they transfer us to the other division, they then state that they aren't the ones that handle that issue, either. It is a looping circular system with no division taking responsibility, nor do they attempt to solve the problem, cancel the subscription and certainly not remove the charge from our account. It needs to be removed and refunded. It is fraud to charge someone for a product they have flat out refused.
Product: Credit reporting or other personal consumer reports

I'm in regard to inaccurate information that appears on my Equifax, XXXX, & XXXX consumer report. After reviewing my report, I discovered over 30 items incorrect with one account that is reporting delinquent and over 120 days past due causing my credit score to be severely impacted. I disputed the inaccuracy with XXXX and they verified the information was correct. I requested a reinvestigation and XXXX responded they were no longer responsible for the account.listed below are inccorrect information regarding my student with XXXX XXXX 

Account # XXXX over 190 days past due From XX/XX/XXXX XXXX XXXX This report has 24 months Reporting XXXX data Available '' in XXXX this report shows XXXX XXXX payments were made on time but in XX/XX/XXXX this report reported a XXXX late payment and XXXX a XXXX late payment. In XXXX From XXXX - XX/XX/XXXX were reported as one-time payments and XXXX reported 90 days late sept 120 days late XXXX ( 150 days late ) XXXX ( 180 days late ) XXXX { No data Available ). 
in XXXX XXXX ( No data available ) XXXX XXXX XX/XX/XXXX ( All on time payments ) XXXX ( 90 days late ) XXXX ( 120 days late ) XXXX ( 150 days Late ) and XXXX XXXX XX/XX/XXXX ( No data available ) XXXX & XXXX reported ( No data Available ) March 2024-July 2024 all reported on time and XX/XX/XXXX reported ( 90 days Late ) XX/XX/XXXX reported ( 120 days late ) XXXX & XXXX Reports ( No Data available ) XXXX has been inaccurately reporting late payments and unable to provide information for over 24 months of payments that can't be verified. This company reported the first delinquency was on XX/XX/XXXX but reported payment was received on time. this report is wrong and violates so many consumer laws. the impact that XXXX loans full of inaccurate information being reported 190 days late on my credit has caused so much debt XXXX, paying higher interest rates, denied for adequate housing has effected mentally, emotionally and financially.
Product: Debt collection

Cash Call has listed a charged off account on my Credit Reports. They were sued by the CFPB and State of California for violation of lending practices and state limits. The debt in my state, CA is invalid.

They claim they did not attempt to collect on the debt, yet they have not removed it from my reports, nor have they ceased collection attempts. The " debt '' is also 7 years old and would need to be removed even if it were a legal loan. 

They also stated that they were to charge {$95000.00} for interest on this " debt '' They have threatened suits and continue to claim the debt is legal went it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I immediately checked my Credit Report to see if the previously disputed accounts were already corrected, but to my disappointment, the Credit Bureaus have not yet corrected my Credit report. I previously sent a letter last XX/XX/2022, requesting that the Credit Bureaus investigate and correct the information being reported by some accounts on my Credit Report. I investigated my Credit Report and notice the following : a ) there are accounts being reported as late even though the accounts have never been updated and the balance is XXXX ; b ) the Accounts being reported as charge offs still indicates its balance, as far as I know, charge off accounts should no longer report balances on a credit report ; and c ) there accounts that are removed or not being reported on some of the Credit Reports and it makes me wonder why do some of the Credit Bureaus still indicate the removed accounts? I came to a conclusion that to correct my Credit report, the Credit Bureaus must remove the accounts reporting erroneous information on my Credit Report. Once again, I am requesting the Credit Bureaus to please remove the following erroneous accounts if the Credit Bureaus are not able to verify them for themselves : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00}
Product: Debt collection

I borrowed {$4500.00} from Square Capital and was required to make 3 installment payments. I made all three payments and have proof. Square will not acknowledge the final payment. I have sent them proof multiple times of the payments. They call, email and harass me attempting to collect a debt that is already paid. The loan has been paid in full since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the following account information reported on my credit file. Upon review, I identified discrepancies that require immediate investigation and correction to comply with Metro 2 and XXXX guidelines. Please investigate and verify the accuracy of the following account details :
Product: Debt collection

Dear Consumer Financial Protection Bureau : Thank you for the opportunity to exercise my rights under the Fair Credit Reporting Act ( Section 609 ) to dispute erroneous items in my credit file. Hence, I am submitting a dispute due to a " fraudulent account '' on in my credit files with XXXX, XXXX, and XXXX.

REASON : The reported account by the Portfolio Recovery collection agency is unverifiable and fraudulent ( # XXXX ) : 1 ). Hence, I am disputing the fraudulent collection account in the amount of {$1300.00} ( {$1300.00} ).

Within thirty ( 30 ) days, please permanently remove the aforementioned Portfolio Recovery Associates collection account from my 3 credit files / reports. I also request you verify the FRAUD ALERTS are in place on my credit files. 

Warmest Regards, XXXX XXXX XXXX, XXXX, XXXX. 





CC : XXXX, XXXX XXXX XXXX XXXX, Portfolio Recovery Associates, LLC., XXXX, XXXX, and XXXX.
Product: Checking or savings account

Cash app are a horrible company. They never protect accounts and when I report fraud, via email, no phone available to reach them and they never provide any documents, they only send a one sentence email : claim denied. It's frustrating and unfair and I plan on going to court to sue them via trial by jury if I don't get my money back. I've been going for over two years and their negligence is unmatched. Attached are all the responses they sent me. Also, all the transactions I want to dispute.
Product: Mortgage

The mortgage servicer ( SPS ) that purchased my loan form XXXX does not provide a free method for their customers to make their monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to get my XXXX free credit reports online on ( the date you tried to get your credit reports ) and was unsuccessful at getting my credit reports/ files. It's very inconvenient for me and I need them as soon as as possible.
Product: Student loan

I feel the repayment plan that was set up for my student loans has been misleading and are structured in a way that causes harm to the borrower. I have been making payments on my student loans for a little over 4.5 years and have not seen any progress. Since 2013 I have paid a total of {$15000.00} however my balance has only decreased by {$3000.00}. I am on an Extended Repayment Plan that will not repaid until 2040+. I will be refinancing my loans with a private company now that my credit is established. The private company has offered nearly the same interest rate with a 15 year term. In addition, my estimated payment will only increase by {$100.00} a month. Had the terms of Navient been similar to the private borrower I would only have approximately 10.5 years left and a substantial decrease in principal balance. The structuring of the Extended Repayment Plan that was recommended by Navient has caused me to potentially stay in debt for over 20 years. This should not be legal because it takes advantage of students that do not have credit established in order to qualify for a private loan with regulated terms.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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

XX/XX/2018 for {$820.00} I have requested that this account be investigated multiple times. For the last 3 years I have sent multiple disputes and request for the validation of this account. I have never have received investigation response for neither of the 3 major credit bureaus. I have sent in multiple request trough certified letters and I have yet to receive anything back from this creditor.
Product: Debt collection

the original loan amount for a voluntary reposed vehicle was {$6200.00} with my down payment of {$1000.00}. My last payment made was in XX/XX/XXXX, they reported is was XXXX XXXX they auctioned the vehicle in XX/XX/XXXX and didn't deduct the money from the loan amount or send me a copy of the sale of the vehicle. I have asked over the last 6 years for a copy of the date and price of the sold vehicle. They only state they have sent it to the address I have lived at for 8 years, except I have never received anything from them. They have sold the account to a collection agency in XX/XX/XXXXthat has never contacted me either.
Product: Checking or savings account

On XX/XX/2025 I closed my XXXX account with Optum Bank, account number XXXX, and requested a rollover of the {$16000.00} in the account be sent to my new XXXX with XXXX XXXX. I was charged {$20.00} to close my account and the money was deducted from my Optum account on this date. However, XXXX never received the check that was supposedly mailed to them. After being instructed by Optum Bank representatives to continue to wait more time, they confirmed that on XX/XX/2025 they reissued the check to XXXX. However, a week later, upon speaking with another agent, I was told the check has not yet been reissued, and that they do not have an estimated time that it will be reissued. 

My money has been missing for one month now, and I've been unable to resolve this issue by speaking with customer service. I've been told that my issue has been " escalated '', but I never receive any update and today, XX/XX/2025, customer service tells me they get an error message when looking into my account. I'm concerned that I've been scammed, and I don't know what else to do to recover my {$16000.00}. I'm asking CFPB for any assistance they can provide. 

Thank you in advance, XXXX XXXX
Product: Checking or savings account

I have a Dependent Care FSA account through the XXXX XXXX Health Equity. I requested a payment from Health Equity of {$190.00}, which was paid from Health Equity to my Bank of America account on XX/XX/2021 through ACH. Bank of American never posted the {$190.00} to my checking account.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX  Balance : {$440.00}.
Product: Mortgage

I am filing a complaint regarding a lack of proof of service, lack of due process, lack of publication with regards to a foreclosure which took place on XX/XX/XXXX without my knowledge. This company, Select Portfolio Servicing , Inc. appears to have executed a foreclosure in violation of XXXX  Civil Code 2924b. Although I currently reside in XXXX, I am a co-owner of a property located in XXXX. I did not receive any notice nor did I see any publication about the sale ; and thus I did not have any opportunity to defend my interest in my property. I can not even find a newspaper publication which announces about the sale nor did I see any proof of publication. I was told that my former partner, who is the co-owner of the property, is in Bankruptcy, and tendered payment in full to Select Portfolio Servicing , Inc. Further, according to an auction company of public record, XXXX, they confirmed that the auction of the property did NOT take place on XX/XX/XXXX. Despite these, when I check a public record, Select Portfolio Servicing , Inc. DID record a Trustee 's Deed Upon Sale on XX/XX/XXXX, indicating that an auction took place on XX/XX/XXXX and it was sold to the foreclosing beneficiary, being the highest bidder at such sale, became the purchaser of said property and paid therefore to said trustee the amount being {$700000.00} in lawful money of the United States , at the auction sale which did NOT take place on that day according to the auctioneer of record.
Product: Debt collection

XXXX XXXX XXXX are not licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but it 's still on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding the ongoing issue of fraudulent hard inquiries on my credit report. Despite my repeated attempts to resolve this matter, I have not seen any progress or positive results from your end. I urge you to understand the severity of this situation and the impact it has on my financial well-being. 

I first raised this concern with your agency on XX/XX/2023 via mail when I noticed unauthorized hard inquiries on my credit report. I followed the appropriate procedures, submitting all necessary documentation to support my dispute claim. To my dismay, several weeks have passed, and these fraudulent inquiries remain unchanged on my credit report. 

XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( XXXX XXXX. XXXX ( XXXX XXXX and conducting a proper reinvestigation to remove the errors within the required 39 day period XXXX XXXX XXXX XXXX XXXX XXXX XXXX