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

I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX Balance : {$0.00} 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 reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : High Credit/Credit Limit : XXXX : {$10000.00} / {$7100.00} Equifax : {$10000.00} / {$0.00} XXXX : {$10000.00} / {$0.00} Inaccuracy Noted : There's a discrepancy in the credit limit reported. XXXX lists a credit limit of {$7100.00}, while both Equifax and XXXX show a credit limit of {$0.00}. 
Last Reported : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy Noted : Equifax reports the last update almost a month earlier than XXXX and XXXX. 
Comments : XXXX : Charged off as bad debt Equifax : Unpaid balance reported as a loss by the credit grantor XXXX : Consumer disputes- reinvestigation in progress Inaccuracy Noted : The comments vary significantly, indicating different stages or perspectives on the account 's status. While XXXX and Equifax indicate the account as a loss or bad debt, XXXX notes an ongoing dispute. 
Date of Last Payment : XXXX : XXXX Equifax XXXX XXXX XXXX : XX/XX/XXXX Inaccuracy Noted : There's inconsistency in the date of the last payment. XXXX shows a much earlier date, whereas Equifax shows a significantly later date, which might indicate more recent account activity that isn't reflected in the other reports. 
Date Last Active : XXXX : XXXX Equifax XXXX XXXX XXXX : XX/XX/XXXX Inaccuracy Noted : There is a significant discrepancy in the reported " Date Last Active '' across the three bureaus. XXXX reports a much more recent activity date than XXXX and Equifax Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and Disclosure, 623 A1 Responsibilities of the furnisher of information. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] FINAL NOTICE I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

Please delete the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied for credit with XXXX XXXX XXXX ( XX/XX/year> ).
Product: Credit reporting or other personal consumer reports

This information is incorrect, fraud, please delete this information. all inquiries is fraud. 
THIS INFORMATION IS INCORRECT IS FRAUD DELETED INFORMATION PLEASE. LEASE END XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXT XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

cashapp took my account away from me and charged me for things i didnt need to be charged for all from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2020, a derogatory mark was added on my credit report per XXXX XXXX from Credit Collection Services and as allowed under the Fair Debit Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPPA authorization. 

If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. 

Please note withholding the information you received from any medical provider is an attempt to be HIPPA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA compliant.
Product: Credit card

Dear CFPB and Citi, I am filing a complaint regarding a missing cashback offer on my Citi XXXX XXXX XXXX ending in XXXX. 

On XX/XX/2025, I enrolled in the " Earn 12 % Back ( up to {$30.00} ) at XXXX XXXX '' offer before making a purchase ( attached screenshot as proof ). I then made a {$410.00} purchase at XXXX XXXX on XX/XX/2025. However, as of XX/XX/2025, the offer has disappeared from my offer list, does not appear under redeemed offers, and I have not received the {$30.00} cashback. 

I contacted Citi customer service on XX/XX/2025, but the agents were unable to assist or provide any resolution. I request an investigation into this issue, specifically reviewing the backend offer activity logs to verify my enrollment and eligibility for the cashback. 

Several other credit cards offer similar XXXX XXXX promotions, and I would not have used my Citi card for this purchase if I had not successfully enrolled in the offer. I expect Citi to honor the 12 % cashback as originally promised. 

I appreciate your prompt attention to this matter. 

Best regards,
Product: Credit card

I had a credit card with HSBC and I used to use it. When the ( HSBC ) card was expire I did n't continue it. I stopped use the card. After that, I think the HSBC sent another new card to the address and at the same time I went to visit in my country. Then someone took my card and used it. Unfortunately I did n't any contact with HSBC because of I never think it 's could be like that. Even I did n't check out my credit report in this time. Finally I knew about it when I to buy a new car with car dealer. When I was finance about my new car the finance ( car dealer ) man told me I have a problem with HSBC. Then I contacted with HSBC and they told me they could n't help me about it because of its passed already more than XXXX days. So please help me to solve it then I will really appreciate for it. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts being reported. I submitted to the bureau a police report, theft affidavit, and identification documents. They have yet to remove all of the fraudulent accounts per FCRA 605b Block.

FCRA 605B ( 15 U.S.C. 1681c-2 ) 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, not later than They are still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

NewRez, Shellpoint Mortgage Servicing paid XXXX County Tax Commissioner for XXXX for property located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The payment was made in error because, as the new owner at XX/XX/XXXX, XXXX County created an updated bill with extended due dates. I have attached the tax history. 
Because NewRez mistakenly made this payment they put my principal and interest loan into escrow. They also increased my p & I loan of {$1300.00} to {$1900.00} now including XX/XX/XXXX of the previous homeowners property bill. 
My actual bill is based on homestead, and is {$1000.00} less than what NewRez calculated. 
With that said, I have already paid my XXXX taxes first installment of 2 to the tax Commissioner in the amount of {$1800.00} on XX/XX/XXXX. 
NewRez has been putting my monthly payment in a suspense account, which shows me as delinquent. They won't take me out of escrow because they've created a delinquency on my loan. I have always paid early. 
Now NewRez has placed me in loss mitigation until I pay back escrow of {$3000.00}. 
I have talked to customer service folks, loss mitigation, and the escrow departments since XX/XX/XXXX, to get my payment back to p & I of {$1300.00} as it should be since closing on this loan back on XX/XX/XXXX. 
I can not pay the higher escrow payment for property taxes since I've paid my taxes on time as the attachment will show. 
I hope you will assist me in this problem. 

XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I have recently discovered that I am a victim of a data breach, and unauthorized access to my personal information has led to these fraudulent accounts and inquiries. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these entries be blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Reported : XX/XX/XXXX Balance : {$5900.00} XXXX. XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$720.00} XXXX. XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1600.00} Unauthorized Inquiries to be Investigated : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX As these accounts and inquiries were the result of unauthorized access to my personal information due to the data breach, I respectfully request that they be immediately blocked and deleted from my credit file.
Product: Checking or savings account

I attempted to use my debit card on XX/XX/22 and received an unusual error. I noticed that the card was expired. When trying to contact the bank no one was available and all locations and numbers said the bank was closed. I was never sent a new card or did not receive it. On XX/XX/22 I called the lost or stolen card number to report that I never received my card. They advised me that the bank never sent me a new debit card. I filed a complaint with the lost or stolen card company working with my Ocean First bank. I have numerous bills that are set for auto payment and all of my money is in this bank account. I currently have no access to any of my money and when my auto payments try to go through they will now be denied and I will be charged fees because the bank did not send me an unexpired card and I can not reach anyone to resolve the matter. Please help.
Product: Credit card

The Self account was reported Closed XX/XX/2023. The Self account still reported late payments after the account was closed XXXX, 2023
Product: Debt collection

In accordance with the Fair Credit Reporting Act, [ ZIONS DEBT HOLDINGS LL ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The Estate of XXXX XXXX XXXX is not privy to any contracts between ZION HOLDINGS LLC and its associates. I DO NOT UNDERSTAND, I DO NOT CONSENT, I DO NOT ACCEPT. I DEMAND A CEASE AND DESIST, YOU ZION DEBT HOLDINGS ARE NOT AUTHORIZE TO USE OF THE TRADE NAME OF THE ESTATE OR COPY RIGHT ON ALL MEDIUMS AND PUBLIC PLATFORMS. FAIR NOTICE TO ALL PARTIES INVOLVED. THIS IS A XXXX COPY RIGHT INFRINGEMENT VIOLATION ACCORDING TO THE ESTATE FEE SCHEDULE OF FILE. THE ESTATE WILL ALSO BILL XXXX FOR COMMERCIAL INJURY. THIS IS A PUBLIC COMMUNICATION TO ALL All rights reserved UCC1-308 Notice to agents is notice to principles Notice to principles is Notice to Agents Applications to all successors and assigns
Product: Credit card or prepaid card

I was charged {$4900.00} on XX/XX/XXXX by XXXX, XXXX. In my dealings with this company I did not receive any services. The company was an absolute scam and will not respond back to any email/calls. Also have been shutdown by the FTC. XXXX XXXX agreed to settle FTC charges that it helped deceive consumers with false claims that they could earn six figures within 90 days. The defendant in the case, XXXX XXXX, allegedly helped operate the coaching scheme, which did business under the name XXXX XXXX. The final order bans XXXX from selling business coaching programs and investment opportunities. In addition to the false claims about how much money people could earn, XXXX XXXX falsely promised to provide individualized coaching from successful marketers, who in fact were just salespeople selling costlier membership levels, according to the FTC. The FTC alleges that most people never earned the promised income and that consumers lost tens of millions of dollars to the scheme, including some individuals who lost more than {$50000.00}. 

Update as of XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent two letters to Transunion regarding a XXXX account that is not mine and also in violation of Section 807 of the FDCPA. I requested validation and still have not received any response. This account is affecting my ability to obtain credit and move into a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXXt and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper XXXX off.

It is within my rights under the FCRA to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

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

Immediately delete these accounts because I asked for sufficient evidence from each company and the XXXX window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.
Product: Debt collection

Southwest Credit Systems is reporting false info on my credit report. I have never had a XXXX account. Apparently the account was opened XX/XX/XXXX. I have been with XXXX XXXX XXXX since XXXX. I would like this collection removed immediately not to mention my name is XXXX not XXXX. This account is not in my name.
Product: Checking or savings account

So I called chase after receiving today an email that my checking accounts were both restricted and they provide a number to call to see why they were restricted and provide information of myself so they can be unrestricted. Upon calling I go through the automated process and eventually get a hold of the representative and once I tell them all my banking info they tell me that chase already decided to close my account and its irreversible and theres nothing I can do about it. Keep in mind that I have been a chase customer for over 6 years now and they didnt provide me with a warning let alone a reason as to why this happened. I have bills to pay and all my money is currently sitting in those locked chase accounts that are soon to close. I have to wait for evaluation and then for them to mail a check which they already confirm it takes them 10 business days to do so and another 10 business days to mail the check. The representative on the phone said I can expect it before XX/XX/XXXX which is literally a whole month from now. This isnt right. The first checking account has a balance of {$1100.00} and the second one has a balance of {$2500.00}. All my money is in these accounts and rent is due at the end of the month and bills and credit card payments.
Product: Mortgage

Received misleading mailer, which looks like an official document, but is actually just an advertisement. The Ad has a year on the top right, which makes it look like it came from the IRS or other government source when in fact it's just an advertisement. This is false and misleading.