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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Mortgage

I recently paid additional principle on my home mortgage loan. After the additional principle payment the total balance of the loan is approximately 40 % of the appraised value. My mortgage company ( Penny Mac ) refuses to remove the PMI until 2 years from now. because that is the estimated date that the loan value would be below the required 80 %
Product: Debt collection

I took out a 18 months zero percent interest by XXXX name change. I sign loan with XXXX company. They sent loan to Wells Fargo and they set payments low so i could'nt pay off in 18 months. I 'm a senior and did n't realize this. Until 18 months was sent bill i owe XXXX company still XXXX and Wells Fargo XXXX interest. Please help me to understand this. Im just confused. Need Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : 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 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 am writing to formally dispute the inaccurate information reported on my [ credit report/account ], specifically concerning XXXX, an account erroneously added on my report. This incorrect reporting constitutes negligent non-compliance under 15 U.S.C. XXXXo of the Fair Credit Reporting Act ( FCRA ), and I request its immediate deletion from my records. 

The FCRA mandates that entities handling consumer information maintain accurate records and promptly correct any discrepancies. Failure to comply, whether willfully or negligently, exposes such entities to legal liability. Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently enforced actions against institutions for similar violations. For instance, in XX/XX/year>2025, the CFPB fined Equifax {$15.00} XXXX for inadequate investigation of consumer disputes regarding their credit reports, highlighting the serious implications of failing to address inaccuracies.
Product: Credit card

In according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC XXXX section 602 states I have the rights to privacy 15 USC XXXX section 604 A section XXXX it also state a consumer reporting agency can not furnish an account without my written instructions, under 15 USCXXXX XXXXB a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit card or prepaid card

there was a {$240.00} charge to some XXXX XXXX  that i did not charge on my card. i called capital one credit card XX/XX/XXXX told them im filing a fraud charge for this {$240.00}. so they filed it and finally tdoay XX/XX/XXXX i see online they are chargng me {$25.00} late fee for this purchase. i said what is going on i filed a fraud charge o this in XX/XX/XXXX and you still are charging my carge for it and it says its credited but then you put it back on the card and charge me a {$25.00} late fee. they said they sent me a letter by mail which they did not to tell me they are not crediting me and i ask them why and they wont tell me why. so i told them if you wont fix this im reporting this to the fbcp banking commission, atty gen, XXXX. that you cant charge me for something i didnt charge on my card there is a law for this. the person i spoke to on the phone today was XXXX in the fraud dept, im not happy and i want this fraud charge to be credited and not charged to me and take off the {$25.00} late fee. as im not paying something i didnt charge. they wont do nothing about it.
Product: Credit card or prepaid card

A XXXX  payment was made using my account, cash tag $ XXXX. I immediately notified cash app. I then received notification that my phone number had been unlinked to my account as well as my email. This took place on Sunday XX/XX/XXXX around XXXX. The cash card associated with the account was **** **** **** XXXX CVV *** EXP **/**. The bank account associated with the account was XXXX. I reached out for assistance and Was advised that more information was needed to authenticate my account I provided the information that they requested and was advised that there was no way they could assist with resolving the issue nor would they be able to provide refunds or access to my account. Multiple transactions and deposits have been made to account. And the account Is still open as I verified with multiple merchants that the refunds they have initiated have successfully went into the account.
Product: Checking or savings account

REVISED STATEMENT : COMPLAINT XXXX. On XX/XX/XXXX contacted BBVA in regards to receiving my provisional credit for Account ending in XXXX. Customer service representative refused to give me the fax number to fax my complaint and when I requested to make a request over the phone to provide proof of my complaint she stated there was no record of my complaint even though I provided her with my claim number from Consumer Finance. I am revising and updating my complaint due to BBVA Compass bank stating they have no record of my complaint. My initial complaint was completed on XX/XX/XXXX allowing the following disputes to be addressed and researched. I am disputing the following charges : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total unauthorized charges/transactions in error : {$1500.00} After investigating these charges ; I am also disputing the NSF ( non sufficient funds ) fees associated with these charges. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX Non-Sufficient Funds Total : {$380.00} TOTAL DISPUTED CHARGES : {$1900.00} ATTACHED ARE RECEIPTS FOR TRANSACTION IN THE AMOUNT OF XXXX VERIFYING AMOUNT PAID NO MERCHANDISE. 

XXXX RECEIPT FOR ONE TRANSACTION IN THE AMOUNT OF {$750.00} CARID EMAIL STATING REFUND WAS TO BE PROCESSED IN THE AMOUNT OF {$190.00} LETTER RECEIVED ON XX/XX/XXXX DENYING TRANSACTION IN THE AMOUNT OF {$4500.00} FROM XXXX. I HAVE NO RECOLLECTION NOR ANY DOCUMENTATION OF THIS PARTICULAR DISPUTE OR FUNDS BEING REMOVED ON THAT DATE. 

EMAIL RECEIVED ON XX/XX/XXXX VERIFYING THE 10 DAY TIME FRAME HAS EXPIRED AND BANK REQUESTING ADDITIONAL TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the addresses listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 
( 1 ) XXXX XXXX CT XXXX, TX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 4 ) XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX
Product: Vehicle loan or lease

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX  as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, XXXX XXXX {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Product: Debt collection

Some months ago, I received an on-line notice from XXXX XXXX Bank XXXX XXXX, Ohio that my XXXX. credit card payment was over due.I have never opened an account with this " bank '' and do not even know if they are a legitimate company.With all of the web security issues of late, I am more than a little reluctant to contact these people directly for fear that I may compromise myself further. 
I am constantly being called at all hours and emailed with threatening notices about this account. As a result, I have become paranoid about answering my phone, have trouble sleeping at night and have devolved into states of XXXX at times. 
All of my banking is done through my local credit union and my credit, except for this issue, is impeccable. My credit card has a zero balance and the interest rate is below 10 % a.p.r.I would never open an account such as the one in question that has an a.p.r.over 30 % and late fees of {$34.00}. 
I am a retired XXXX vet and live on my Social Security alone so my income puts me substantially below the national poverty line.
Product: Credit card

I have decided to file a complaint through the Consumer Financial Protection Bureau after I was assigned a regulatory complaint servicing specialist through Bank of America. XXXX XXXX, the specialist assured me she would get to the bottom of the situation and resolve it quickly. The deadline for her response has passed and her number is no longer in service. 

It all started with the worst banking experience I have ever had. XXXX phone call lead to my account being closed without my permission and my credit slashed. 

I called to inquire about a balance transfer to a card that I have had a zero balance since XXXX. Do to some issues with my account, card services was unable to assist me so they transferred me to a credit analyst XXXX XXXX XXXX XXXX. I explained to XXXX what I was looking for and he said he would see what he could do. He asked me tons of questions regarding financial hardship, income, where I live, how I was able to make such large payments, etc. After all that he said he was unable to offer me anything but to keep an eye out. I told him that I was recently offered an offer which just expired, and he assured me he could n't reinstate it. I expressed to him that I have been receiving offers from other banks and did n't see the need to keep this account open if BofA could n't help me out. He said he would close the account, I interrupted him and said " do not do anything to my account till I speak to your manager ''. 

I was transferred to XXXX XXXX. XXXX was nice and wanted to know what was going on. I explained to him and he said to hold and he 'd check it out. Note : this entire time I 'm hoping for an offer or at least an option for a balance transfer. 

XXXX comes back saying that after further review the Bank Americard Visa XXXX ( XXXX XXXX is closed and that my {$10000.00} credit limit on the BankAmericard Cash Rewards Visa XXXX was reduced to {$2900.00}. Shocked I asked him why my account was closed when XXXX said I did n't have any offers but to keep an eye out? XXXX responded with " well you closed the account ''. I told him that I instructed XXXX to not do anything to my account until I spoke to his supervisor. XXXX could sense the misunderstanding but said there was nothing he could do. 

I called Bank Of America because I wanted to see if they could help me. I started banking with them when I was XXXX, a freshman in college. I have been loyal ever since. When I called I was hoping for some guidance, maybe not the answer I wanted, but at least some guidance. But the answer I got was completely different. I 'm modified at what happened and really upset over the outcome.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Checking or savings account

On XX/XX/XXXX, I received a fraud alert message from TD bank attempting an unauthorised transaction for {$160.00}. Upon receiving that, I replied NO as a prompt and my card was immediately locked. I called them and since I needed a replacement card I ordered for a new card. On that day when trying to dispute the transactions they mentioned it was not posted in their accounts and that I have to wait until all unauthorised transactions was posted. Only on XXXX I could file the dispute for a total amount of $ XXXX I had informed the bank just few hours after the alert message not realising that my card was stolen. 
I requested documents pertaining to the exact time of the transactions, method of use of the card as in between those transaction there were my personal transaction by using the phone pay and whenever I use my card I always put a PIN no. in the stores. I didn't receive the details and my dispute was denied twice ( filed on XX/XX/XXXX and XX/XX/XXXX ) saying that there were " valid transactions conducted by me after the fraudulent transactions posted '' to which my question is I did use the new replacement card and my phone pay app all along for personal use and I don't understand their denial on that verdict. I also submitted a police report on the matter for reference of the bank. 
I also spoke to the technical team of the bank to get a clearer understanding and the unauthorised transactions are so apparent when I inquired the details of the transactions. 
They provided a provisional credit and I didn't use any of it as well.
Product: Debt collection

Complaint XXXX has identity theft involved by medical provider and collection agency
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX & XXXX XXXX 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 an 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

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report til this day over 60 days later. I have not received a response yet. I think I am being ignored on my disputes. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 60 days so they should be deleted promptly. I demand these items be removed or will file for litigation. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, proof of address, FTC report, and original disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for refinance with XXXX XXXX XX/XX/XXXX a mortgage company. They took the information from Transunion. As of XX/XX/XXXX I have had over XXXX mortgages calling my phone and counting. I did not authorize Transunion to give or sell my information. As I purple heart veterans and a single parent this is a direct violation for my personal right. I am uncomfortable with different people calling my phone and harassing me.
Product: Mortgage

I was approved for a modification, send all the required paper work, but the mortgage company is still stalling in fixing my account. They are also messing up my credit rating due to them not fixing my account
Product: Credit reporting or other personal consumer reports

To whom this my concern, I recently found myself wanting to get in the market to purchase a home which made me put my credit report to notice these 5 fraudulent reports Im attaching here with a FTC report. I havent personally pulled my credit report in over 15 years so I know I didnt do no inquiries on my credit file
Product: Debt collection

I XXXX XXXX HAS NO CONTRACT WITH THIS COMPANY AND THEY PUT THIS XXXX XXXX XXXX  XXXX XX/XX/2019 ON MY ACCOUNT AND I HAVE INSURANCE AND ALWAYS HAD IT AND THIS DOES NOT SUPPOSED TO BE ON MY CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted trans Union credit bureaus on XX/XX/XXXX about inquiries that was on my report that should not have been there. I told them I was a victim of the inquiry issues section 6-11 they said they could n't help me. These are the inquiry that was removed and put back. 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX erroneously reported my co-signer and I for a late payment when in fact the account is current and doesn't have a due date until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect and misleading when I reviewed it. The 3 credit bureaus need to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

There are many inquires and accounts that are on my credit report that have been open or pulled without my consent. There are XXXX judgements that should not be on there. I went to circuit court and they dont know where they even came from. I disputed this in the past but they still reside on my credit report. I also have numerous inquiries that I am not aware of that are on my report as well. Along with an account for XXXX and XXXX and XXXX that show on my credit report as well. And I have also disputed these accounts as well and they still have not been removed from my credit report.