23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ive been a Bank of America credit card customer since 2003. Without any notice, Bank of America decreased my credit limit from {$19000.00} to {$500.00}. 
I have been diligently working on fixing my credit rating, and recently made a payment to Bank of America for over {$19000.00}. Making such a drastic credit limit decrease will adversely effect my credit rating. I just got off the phone with Bank of America and they were unable to help. Is there anything the CFPB can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach, I was alerted that my information may have been impacted. I am still in the process of tracking down the severity and taking precautions so the breach does not escalate. 

( see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Auto Loan through XXXX XXXX and have noticed inaccurate late payment reporting 's on my credit report. Upon finding these discrepancies I immediately disputed the late payments through the credit bureaus individually that reported incorrectly and no correction was made. Per section 312 of the Fair and Accurate Credit Transaction Act it is required by law to issue guidelines for furnishers regarding the accuracy and integrity of the information about consumers furnished to consumer reporting agencies ; prescribe regulations requiring furnishers to establish reasonable polices/procedures to implement the guidelines ; and issue regulations identifying the circumstances where a furnisher must reinvestigate a dispute about the accuracy of information in a consumer report based on a direct request from consumer. Furthermore, my rights were violated after requesting an investigation to rectify these inaccurate reporting 's and no changes were made. 
Listed below are the following incorrect reporting 's listed on my credit report that need to be corrected to appear as On Time Payments. 

XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 Days Late ) XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 days Late ) XX/XX/XXXX ( 30 Days Late ) XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 Days Late ) XX/XX/XXXX ( No Data )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency ( XXXX XXXX ) stated that they don't report to credit bureaus. I contacted the company ( XXXX XXXX ) whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted XXXX to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to XXXX and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by XXXX for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to Transunion about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.
Product: Credit reporting or other personal consumer reports

I am writing this to file a formal complaint against XXXX XXXX Bank regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ), and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX  complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the consumers financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my accounts vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with the air resolution require under the electronic fraud transaction act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Please delete this collection account from my credit report, as the original creditor, XXXX, sold my account to a collection agency without providing proper notification. This action violates my rights under consumer protection laws.
Product: Credit reporting or other personal consumer reports

I spoke with someone Saturday @ XXXX XXXX  regarding this matter. he said he would send it to my email its been days and he haven't I took the steps he recommended and got an ftc report. He said he would send it to a address on file name XXXX which I never stayed at that address is not even tied to none of my credit reports or accounts reporting on file. So he said I would send it to your email he never did. And I have that call on recording. This account is fraud and im requesting immediate removal of this account. As the information you guys are reporting is not accurate. And if so if you believe this is me please provide copies of id, social and a copy of the contract / application that i signed which I know i never had also provide me with footage of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My past due payment was made by XX/XX/XXXX. My total balance due at the time was XXXX and it was due XX/XX/XXXX.That included XXXX past due and XXXX currently due. I paid XXXX on XX/XX/XXXX to cover my past due. I am not 30 days late on my credit report when I should not be. They are also charging me {$150.00} in late fees now?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed an account by the name of XXXX XXXX XXXX reporting to XXXX credit bureaus XXXX & Equifax... I have never opened an account with XXXX XXXX XXXX .... I contacted the company and I was told that I am not in there system .... But for some reason they are reporting a Card with a balance of {$3300.00} .... This account is a fraudulent Account which I have no knowledge of .... When I checked my credit report I also noticed phone numbers, addresses, and my name spelled incorrect. I DECIDED TO GO TO MY LOCAL POLICE DEPARTMENT TO HAVE A REPORT COMPLETED DUE TO A FRAUDULENT ACCOUNT.
Product: Debt collection

I took a title loan on my XXXX XXXX. At the time was unemployed as well as currently and applied for a loan {$900.00}. I paid them {$900.00} but their compounded interest rates were too overwhelming. At the time I told them that the car was theirs to take and the amount owed the was {$420.00} of interest after repayment of principal in full, they kept calling that they were willing to goodwill offer for the payment. But my understanding was that if I somehow could not repay them they would just keep the car after all, they have the title. But to this day I keep getting phone calls day and night as early as XXXX XXXX. XXXX. They have the car our transaction is done. I would like to somehow alleviate these harassing phone calls and real good will intervene and I not be held responsible for their compounded charges ( after all in earnest I have paid them the face value of the loan and not affect my credit.
Product: Checking or savings account

Goldman Sachs / Marcus is not allowing me to close my account and wire funds to my other external account, despite validating that account with a tri-party call. They are holding my savings hostage. Each time I call about the status, the status reverts to not having initiated any wire and that I need to continue to wait 1-3 days. The account reps are gaslighting me and have no accountability.
Product: Credit reporting or other personal consumer reports

I had an affirm account that was charged off and sent to a collection agency. I entered into a settlement agreement with the collection agency. I paid off the settlement amount, but the initial creditor is still reporting a balance owed. I have contacted the company over and over, and also disputed the account with the credit bureaus but they keep confirming the account information as incorrect. Yet the account is settled in full, and I am providing proof with the dispute that the account is settled in full.
Product: Credit card or prepaid card

I am unable to pay my my XXXX XXXX credit card as the card does not appear in my profile, when I try to add the card however it says it has already been added. The card carried a small balance. I emailed XXXXXXXX XXXX and received no follow up. The website is VERY VERY HARD TO USE!!!!!!!!!!!!!!!!!!!!!!! They should like everyone else have a separate website for the credit card, not lumped into the website. A simple search shows many people with this same problem. They should be advised to simplify this process.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit reporting agency has violated the Fair Credit Reporting Act by failing to respond within the thirty day time frame with 100 % debt validation accuracy. Equifax was unable to provide proof that they verified the debt ( s ) and continues to list them on my credit report. The Collection agencies have failed to provide any original documentation, in addition have failed to respond to my dispute. Equifax received certified letters on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. Tracking numbers # XXXX & # XXXX USPS tracking service. Equifax also has been notified through Fax and certified mail with police reports, affidavits, and notarized letters that these accounts where established without my consent and knowledge due to identity theft.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have had a loan with solo funds since XX/XX/XXXX. I had fallen through some tough times. Which caused me to be unable to pay back. I have had loans in the past with solo funds this is the first one I have missed. In XX/XX/XXXX XXXX my account with solo funds was transferred to XXXX a debt collector. I went ahead and I was put on a payment plan of {$62.00} with the another debit card I had on file starting XX/XX/XXXX. I thought I was on the right track. I called XXXX just to see what my balance was and I was told that my balance was the same and no payments were being taken out. I checked with solo funds because i when I logged in to XXXX it said I have XXXX outstanding balances. I only have XXXX account with solo funds. So I spoke with an agent named XXXX and she told me she will forward my information to my recovery team. Today XX/XX/XXXX I received an email from solo funds recovery team. Asking if I can settle the loan of {$690.00} into XXXX payments and in order to be placed in a repayment plan an upfront payment of {$340.00} must be made immediately and I was told that collections efforts will continue that auto debits. Payment reminders via calls texts and email will continue until received. I responded back explaining my hardship. That my bank was overdrawn and Im working on getting back on track and I had spoken to my employer about getting more hours and asked for emails to be ceased until I get my bank account straightened out. I received a response that all collection efforts will continue until the lender receives his money back. I feel like Im being harassed and intimidated This has been a rough year for me and I am making an effort to get back on track financially. All I ask for the the emails calls and texts to cease and when I have enough funds that I will reach out to settle this matter. I am on a fixed income and Im barely making it.
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 consumers rights to privacy and confidentiality under use 1681XXXX 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 rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a 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 15 USC 1681. 

XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX. Account : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604. 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 in accurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the charge-off status reported by Capital One Financial Services ( `` Capital One '' ) on my credit report. It has come to my attention that Capital One has erroneously reported charge-offs on XXXXXX/XX/year> for the accounts listed below, which I believe are incorrect and unjustified. 
CAPITAL ONE XXXX {$1200.00} CAPITAL ONE XXXX {$980.00} CAPITAL XXXX XXXX {$5500.00} According to my records and the terms and conditions of my credit card agreement with Capital One, the charge-off date should accurately reflect the actual date when the account became delinquent and charge-off occurred. However, the information being reported on my credit report indicates a charge-off status beyond the correct date, which I believe is both misleading and inaccurate. 
I kindly request that Capital One promptly investigate and correct this reporting error on my credit report. The inaccurate reporting of these charge-offs have a significant negative impact on my creditworthiness, making it essential to rectify this matter as soon as possible.

I understand that, as per the Fair Credit Reporting Act ( FCRA ), Capital One is obligated to conduct a reasonable investigation into the disputed information and provide a timely response. I kindly request that you provide me with written notification of the results of your investigation within 30 days of receiving this letter.
Product: Checking or savings account

Wells Fargo continues to operate under abnormal and shady practices. I received a letter on XX/XX/2022 about claim # XXXX. Previously this claim was resolved back a couple month 's ago, I was sent a previous letter from Wells Fargo Explaining they had completed their investigation and confirmed that an error DID occur. These are fraudulent transactions. Wells Fargo had stated in that letter that the previously issued credit on the CLOSED checking account ending in XXXX was resolved and that the credit was final. However now I am receiving a letter from Wells Fargo that states we have completed our research and based on the information " Available to them '' the charges were made by Me " False Accusations '' or someone who had my supposed permission. This is not true. I never Authorized these transactions. Wells Fargo previously resolved this claim and then month 's later is going back into a closed account and telling me they are going to deduct {$230.00} that they expect me to pay for fraudulent charges. on XX/XX/2022. This account has been closed for well over 90 days. I will not be paying fraudulent charges. I do not agree with this especially since Wells fargo previously sent a letter stating an error DID occur now they are counterdicting themselves. This is shady how they are treating people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with manual at Transunion on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be delete and removed off my Transunion credit report : XXXX XXXXXXXX XXXX '' late payment amount of {$17.00}.