23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved from XXXXXXXX XXXX XXXXn XX/XX/XXXX to XXXX XXXX XXXX  with my new job opportunity. 

Recently I saw a charge collection to my XXXX XXXX in the amount of {$5700.00} from XXXX apartment complex stating I did not pay my rent from XX/XX/XXXX to XX/XX/XXXX. 

I have not lived in XXXX since XXXX of XXXX and never signed a lease with XXXX apartment complex. 

Please help to investigate this fraud and see who was using my Social Security and my name to commit this fraud. 

I am unable to buy or rent an apartment any more because of this situation. 

Thank you.
Product: Mortgage

I was hospitalized in XXXX, XXXX and XXXX of 2016. Because I was hospitalized I immediately contacted my mother to contact my mortgage company. The set up a modification program for me during this time. I met all obligations that they ask and my mortgage is current. They reported me 30, 60, 90 days late to the credit bureau. I am disputing this because it is affecting my credit score. I am selling my current home to satisfy the original terms of my loan. However, I can not get financing because my credit score is XXXX and no one will work me until my score is XXXX. I believe if my mortgage company did not report me as late, and I met their agreement, my credit score would reflect higher than the minimum requirements of XXXX to work with another lender.
Product: Credit reporting or other personal consumer reports

It has came to my attention that my personal information was in fact exposed in a data breach. After carefully reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked Transunion for validation of debt on a previous occasions, as seen here on previous complaints, this information was never provided. Due to my recent knowledge of my information being exposed, an FTC complaint has been filed on behalf of the information I am unfamiliar with. Please find attached a copy of my ID, the FTC complaint, and a validation of debt letter. As indicated in 605b 15 USC 1681 c-2, Transunion has 4 days to block and investigate this information. Please be advised that failure to block the information in this FTC report from my credit profile within 4 days will be considered a violation of my rights and will result in legal action being taken against TransUnion.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 filed a complaint # XXXX about Barclays Bank. The original issue being I was having medical hardship starting XXXX still going through the medical issues I am gaining on health. I have been a loyal customer for over XXXX years and all I received from XXXX was a insulting phone call from XXXX XXXX XXXX XXXX @ XXXX X XXXX. What good is filing a complaint when the company does not explain in detail what could of been offered a year ago when I began my medical hardship. I had a XXXX prescribe over XXXX worth of out of pocket scripts in. XXXX, {$XXXX} worth or out of pocket costs in XXXX. I have no understanding how a bank can not help a consumer pay a debt I was {$XXXX} off being able to make the amount due and they did not work with me. I was locked out of my account and requested all my documetation, refused and ignored by XXXX. I called her back numerous times to understand ... and then I receive an answer that says contact the collections agency ... She is the worst example of a customer support indivual for a XXXX liaison to the consumer. I want to reopen this and get this rectifed. I want all my memos from them, It is totally unacceptable to treat a loyal paying client while struggling to live.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer report and found inaccurate information. Exeter Finance LLC inaccurately reported multiply months as late with no change in between the months, this is a violation of the FCRA and is causing damages to my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be XXXX XXXX accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, XXXX Social Security XXXX is : XXXX, The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove old numbers and address! 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Bank account or service

My checking account with Wells Fargo Bank , N.A . ( Acct XXXX. XXXX - Account Name : XXXX XXXX ) has been charged {$14.00} for a " Direct Connect Fee '' that shows up on my statement as a XXXX Banking charge from XXXX/XXXX/2014 to date. I never used this service and was enrolled in error. When I try to complain to Wells Fargo, various telephone transfers move me from XXXX department to another with no one taking responsibility to correct the problem so I ask for a physical mailing address and they REFUSE TO GIVE ME A MAILING ADDRESS.
Product: Credit reporting or other personal consumer reports

Back inXX/XX/2023 I reviewed my Experian credit report and noticed an account that did not belong to me. I began by contacting Experian by phone with their fraud department to alert them of this incorrect information. They proceeded with telling me i had to submit a letter and FTC report. I went on the FTC website and filed my fraud report. I sent my letter and this FTC report to Experian on XX/XX/2023. Following my letter the fraudulent account was not removed and all they told me it was verified, but they did not supply any type of proof to support this claim. I called the creditor directly and they do not have my address or correct name so how is it that this account belong to me. I do not recognize it and it does not relate to any transactions i have made or authorized. Accourding to the FCRA laws : Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ). FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts. FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting. Experian is violating all of these laws anf they should be held accountable for their inaccurate reporting!
Product: Credit card

Im writing to formally dispute unauthorized access to my credit report under15U.S.C1681of fair credit reporting act.Upon reviewing my recent credit reports, I noticed that CREDITCONTROL, LLC accessed my credit information without my written consent.As per the FCRA, a creditor or entity must have my explicit written permission to obtain or furnish information under certain conditions.I have never provided CREDIT CONTROL LLC with written authorization to access my credit file or to furnish my personal information to bureaus .THIS constitutes a violation of my rights under the FCRA Reference # XXXX and # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 1st I was notified by Marcus by Goldman Sachs Personal Loans that in these exact words : " XXXX, please read, weve enclosed details on how to reapply! Your Loan Options are Waiting. 
It won't hurt your credit to see your loan options. '' So i followed the instructions, I was denied a small XXXX XXXX dollar loan. The very next notification i saw was from my Credit Alerts : Heads up : You have new alerts on XXXX. 

How am i supposed to get hard inquiries off my report if they keep trapping me into getting them like this? I was set up
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

XXXX XXXX ( DOB XXXX/XXXX/XXXX ). Today on XXXX XXXX, XXXX I had called XXXX to follow-up on the process of my disputes. I originally contacted XXXX and wrote them a letter via mail asking them to dispute three accounts on XXXX XXXX, XXXX. They sent me a letter back on XXXX XXXX XXXX asking me to confirm my identity. The following day I sent them back a copy of my social card, a XXXX XXXX XXXX bill and a copy of my id in which they received it on XXXX XXXX XXXX. It is now XXXX XXXX, XXXX and I have not yet heard back from XXXX. As the Federal Credit Reporting law states- ( FCRA , 15 USC section 168 li : failure to investigate these accounts within a period of thirty days will result in a non verification which requires that the above accounts be immediately removed from my credit file. The lady that I spoke with was giving me the run around about an XXXX XXXX XXXX XXXX WA XXXX, which has nothing to do with the law. This address was reported to the Credit Bureau because they had to run my credit in order for me to stay here for the last six months. I have stated in my letter and on the envelope after XXXX XXXX I will no longer be residing there because my lease is up and due to this issue I will be homeless so all my mail is being forwarded to the post office. I have yet to receive anything from XXXX through the post office as of today and prior to today. Then I had asked to speak to the supervisor and she had hung up on me. Therefore, I am making a complainant and hoping that you can help me resolve this issue. Attached is my letter of the items that I want to be removed from my credit report immediately. 

Thank you, XXXX XXXX
Product: Money transfers

On XXXX/XXXX/2025 I send money thru western union ( online ) to recipient in XXXX XXXX XXXX, XXXX. I received SMS & email confirmation that money went thru and available to recipient on XXXX XXXX. But to this moment as i write nobody knows where the money is in XXXX or here! The MTCN XXXX also confirmed money is available but recipient was told by XXXX. in XXXX that there is no money!! I am sick & tired of this! It is indication of incompetence & very poor service! 

Thank You, XXXX
Product: Checking or savings account

On Saturday XX/XX/2023, I turned my XXXX on at approximately XXXX. I attempted to use my XXXX app. I was greeted with a message stating my account had been locked due to suspicious activity and that I needed to call for verification. I called the number provided and successfully completed the verification process, to which I was told that there had been multiple failed attempts at logging into my account to prompt the lock. At approximately XXXX XXXX  on the same day I attempted to use my debit card ending in XXXX and the transaction was declined. I once again called XXXX to see why it was declined. At this time I was informed that my account had been reported as receiving a fraudulent {$90.00} transaction and that my account was frozen until an investigation was completed, up to XXXX  days. I requested that the exempt funds be released immediately to which I was told no. Since that date Ive had multiple automatic bill pay accounts be declined by Chase. It is sunday XX/XX/2023 and my account is still frozen. I have not been contacted by any investigator from chase, the {$90.00} transaction has been deposited to my account even though I didnt ask for the money and have no knowledge of where it came from. My account has a {$1700.00} balance and due to chase declining transactions Ive been accessed late payment fees, returned payment fees, and now have a auto insurance cancellation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that all credit reporting agencies update my personal information to reflect my name and address and remove all others appearing on all three reports. The only name and address that needs to be ( see below ) on all three reports should be. 

As of the date of this complaint, this has not been done. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account. I believe that this limitation was placed in error, and I respectfully request that you re-investigate my case and restore my account, if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policies, nor have I engaged in any activity that would warrant such a severe consequence. I have always used my PayPal account in good faith and in accordance with your terms of service. Therefore, I am confident that this limitation was a mistake. 

Secondly, I am aware that PayPal has strict policies and procedures in place to ensure the safety and security of its customers. However, I strongly believe that my account has been unfairly targeted, and I would appreciate a thorough investigation of my case. I am willing to cooperate fully and provide any necessary information to resolve this issue. 

Lastly, I would like to request that you restore my account to its previous status as soon as possible. As a longtime PayPal user, this has caused significant inconvenience and has impacted my ability to conduct online transactions. Additionally, the email address associated with my PayPal account is XXXX, which I hope will assist in locating my account. 

In conclusion, I respectfully request that PayPal reviews my case and considers reinstating my account. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo is not honoring their promotion. I have physical documentation of this promotion. I've even followed up and filed numerous claims. Bonus of {$100.00} was never rewarded and now they say they promotion never existed when i have the physical documentation.
Product: Credit reporting or other personal consumer reports

A month ago, I filed a complaint with these Bureaus, but the incorrect information on my report is still there. To my surprise, I haven't heard back from them, and they've already closed my complaint. Can you clarify why they closed it without addressing the issue? Did they even look into my dispute? I need to know that they have properly investigated the inaccuracies on my report and confirmed the accounts. Could you share how they went about verifying my report?
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card XXXX states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
XXXX XXXX and Transunion is currently reporting it monthly as a late payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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

The collection account below is not mines. I have disputed over the last two years. This is not mines not sure what I need to do to prove this. I may file a lawsuit against this company. 

XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$4100.00} Needs Attention
Product: Money transfer, virtual currency, or money service

I used the XXXX app to send money to a recipient in XXXX on XX/XX/year>. They said the funds would arrive on XX/XX/year>, but I still haven't seen the funds deposited into the recipient 's bank account. I contacted XXXX, and they claimed to have transferred the funds, but the recipient hasn't received anything. I emailed them to request a refund, but they didn't respond. I'm experiencing my second incident of lost funds, and I'm extremely frustrated. I hope to file a complaint and have someone resolve the issue by refunding the money I transferred on XX/XX/year> ( Reference Number : XXXX ). Thank you!
Product: Credit reporting or other personal consumer reports

Experian has 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 or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Hello, On XX/XX/2022 I disputed a total {$270.00} from 28 charges from XX/XX/XXXX to XX/XX/XXXX with Capital One. Originally Capital One refunded the the total amount, but they then reinstated the charges saying the found sufficient evidence to believe the charges were valid. Their evidence was that there were three charges on my account previously from the same merchant. I tried to explain to them that those charges were fraudulent too I just didn't notice them because they were small amounts spread out. Capital One said I needed to collect any evidence I had to support my claim and send it to them. I told them I have no evidence of someone else using my card and that I've never had an account with the merchant in question, so getting evidence would be impossible. They gave me the merchants number, which was nothing more than their customer service number and they said they couldn't help me without any account details which I didn't have because I never made an account with the merchant in question.
Product: Credit reporting

Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.
Product: Checking or savings account

On XX/XX/XXXX, there were two unauthorized deposits of {$1200.00} at an ATM in NY. See attached page from bank statement for more details. 

On XX/XX/XXXX, there were six unauthorized withdrawals for a total of {$1800.00} made with the " XXXX XXXX ''. See attached page from bank statement for more details. 

I did not recognize the transactions until the there was a withdrawal the bank the attempted attempted to correct the unauthorized deposits and withdrew {$1200.00}. It seems the checks may have represented a stimulus check. I have never received a stimulus check have have not been to New York, nor have any connections in New York. In order for the fraudulent deposits to be made, someone had to have stolen my pin and created a fraudulent card. 

So + {$2400.00} on XX/XX/XXXX, - {$1800.00} on XX/XX/XXXX and then - {$1200.00} in XXXX leaves me down {$600.00}. If the banks try to correct the other {$1200.00} deposit, I would then be down {$1800.00}.