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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Lack of Investigation To Whom It XXXX Concern, I am writing to formally file a complaint against the major credit bureausEquifax, XXXX, and XXXX failing to properly investigate and correct inaccurate information on my credit report. 

I have identified multiple accounts on my credit report that are being reported as duplicate entries with incorrect account numbers. These errors are significantly impacting my credit profile. I have submitted formal disputes to each credit bureau, requesting that they investigate these discrepancies and correct or remove the inaccurate information. However, they have failed to conduct a reasonable investigation or resolve the issue. 

Additionally, I have reached out directly to the companies reporting these accounts, requesting validation of the debts as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my written requests, these companies have not provided any verification or documentation to validate the debts they are reporting. 

This lack of response and failure to correct inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to investigate disputes thoroughly and ensure that all reported information is accurate. 
I am requesting that the CFPB investigate this matter and take appropriate action to ensure that : 1. The credit bureaus conduct a proper investigation into the disputed accounts.

2. Duplicate accounts with incorrect account numbers are removed from my credit report.

3. The reporting companies provide proper debt validation or cease reporting these accounts. 

I have attached supporting documents, including copies of my dispute letters, responses ( if any ), and credit reports highlighting the disputed accounts. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, [ Your Signature ( if mailing ) ] [ Your Printed Name ] Attachments : Copies of dispute letters sent to credit bureaus Copies of debt validation requests sent to reporting companies Copies of credit reports showing the disputed accounts
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violation. On XX/XX/year>, I sent a cashapp transaction of {$140.00} to a user in order to purchase tickets for a XXXX XXXX game. I received the tickets however they were fraud. I contacted cash app and was unable to get ahold of them after trying over and over to reach them and never heard back about my transaction. I do have screenshots to support my transaction.
Product: Debt collection

My credit report from XXXX has a collecting debt which does not belong to me I disputed in XXXX but the debt collector state that they have a bill with a similar name company XXXX, I have never any account with XXXX and my current resident for the last 10 years is XXXX XXXX XXXX XXXX. XXXX MA, XXXX. 

I do not have any debt with any company my credit report always has been excellent, either someone stole my name or my social security or both. 

Please help me to restore my credit by investigating this collection. 
southwest credit systems account # XXXX
Product: Credit card

Have been trying to get PNC Bank to stop sending credit card offers to me. I have documentation for the last 6 months. Each time I call the number on the offer to opt out, they willingly take my information and tell me that I will stop receiving the offers. I documented opt-out calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX another offer was received. 
( I am also an XXXX permanent registered participant. )
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit bureau ( XXXX, XXXX, and Equifax ) account was frozen without my consent by a third party.
Product: Debt collection

I have made contact with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning this debt. I have repeatedly informed them that they were filing the insurance claim with XXXX incorrectly and they refuse to file it correctly. I have made contact with XXXX and was informed that they have not filed the claim correctly and that is the reason why they have not paid the claim. XXXX XXXX XXXX XXXX refuse to file the claim according to XXXX rules and guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

609a1a of the fair credit reporting act XXXX or Transworld systems nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contact XXXX on an account that was closed due to non-usage. The company closed this account because I didn't use the card on a regular basis. not because of payment. I would like this to be removed it has a negative impact on my credit. 

XXXX XXXX did the same thing back in XXXX XXXX this is also reflecting negative on my report. 

XXXX XXXX closed the account because I wasn't making purchases on a regular this also needs to be removed XX/XX/XXXX XXXX XXXX XXXX another credit card with increase line of credit, and they closed the original account which also affected my XXXX XXXX. XX/XX/XXXX. This need to be removed. Not just XXXX account but XXXX. XX/XX/XXXX This is crazy on their behalf. 

XXXX XXXX XXXX Closed the account for the same reason. XX/XX/XXXX You can see all these accounts have XXXX balances. 
XXXX XX/XX/XXXX also closed for not using the line of credit. 

XXXX XXXXXXXX XXXX XXXX same issue. XXXX balance and closed account XX/XX/XXXX XXXXXXXX XXXX closed when it should reflect account paid in full. XX/XX/XXXX, All these accounts are reflecting my credit score negatively and need to be corrected. 

Department ED/XXXX XXXX  XXXX closed with XXXX balances need to be removed again negative reflection on my credit report. 

XXXX account closed. Please remove. 
All XXXX XXXX XXXX XXXX closed and XXXX balances. Please remove. again negative reflecting on my report. 

Nelnet accounts closed. XXXX balances. Please remove from report. This is very sad and disturbing. Dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX closed XXXX balance XX/XX/XXXXXXXX XXXX Closed XXXX balance XX/XX/XXXXXXXX XXXX  closed XXXX balance XX/XX/XXXX Please Remove these items that is causing all sorts of credit problems Thank you. I've tried to have these removed with no luck!
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act 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 instruction.
Product: Debt collection

On XX/XX/2018, I was in XXXX XXXX, XXXX, with my husband on vacation. We were approached at our resort by a representative of XXXX XXXX Resorts, a timeshare/travel club. They attempted to sell us a membership in their club, and we initially agreed. The person identified as a Manager approached us and the salesperson and stated they have direct relationship with Bank of America and would open a credit card to charge a down-payment for the travel membership account. We returned the day after and notified the same manager who spoke with us that we're not interested in becoming members due to some suspicious and negative reports we had read about that company on the internet, and under XXXX Laws, we had 72 hrs to change our mind. We were advised, that no problem, your membership is hereby cancelled and refund will be issued to the B of A account. We DID NOT USE any of the offers allegedly included with that membership Whatsoever. We returned to the XXXX 3 days later. About a month passed and we received the statement from B of A and contacted the credit card company to advise them that the only charge on that account should ve been refunded, and they told us to deal with the XXXX XXXX first to check on status. We tried to get ahold of someone in their customer service to no avail. We made a couple of payments on the credit card account to avoid getting charged late fees and negatively affecting the credit score. The dispute continued for over a year. We could provide any additional documents to B of A as none were provided to us. Multiple reports circulate on the internet about fraudulent and deceptive methods used by this company in XXXX, attempting to defraud primarily American tourists. We have exhausted all attempts to clear this up with B of A. The charged off the account and at this point are attempting legal recourse through potential lawsuit. XXXX XXXX resorts later attempted to collect on XXXX!! more for supposedly not living up to the terms of their membership contract through a California based collection agency. However, after threatening legal action and filing a complaint with the Attorney General of Colorado and California, they seized all contact and never reported this account to any of the credit reporting agencies. Please assist us in this matter, as XXXX credit reporting agency advised us to do so. You can reach us by XXXX or XXXX, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card or prepaid card

I received my XXXX statement from ComenityXXXX Visa XXXX and noticed that my previous payment was also there. I checked my bank and see that they did not cash the payment until XXXX/XXXX/XXXX, I contacted their customer service by phone, and while waiting for them I did some research on this company and found that they have a tendency to process payments past due date and then charged consumers late fees plus interest. After I talked to their customer services, he reversed the charges. Dues to their unethical business practice and to protect my credit scores, I canceled the credit card. When I receive my last statement, I contact them again, and this time I want to redeem my cash back ( {$130.00} ) she said that since I canceled the card, They won't redeem my cash back, this is wrong and I want my cash back.
Product: Mortgage

I called Freedom Mortgage to remove my PMI on XX/XX/XXXX. The rep told me I would get next steps in 3-5 business days. I did not receive any word. On XX/XX/XXXX I sent a message to their message center requesting the removal again. XX/XX/XXXX they sent me a message back saying they needed more time to review my request and I would receive a response by XX/XX/XXXX. XX/XX/XXXX I missed a call from Freedom Mortgage while at work. I called them back and had trouble getting through all the dialing prompts. I spoke to a customer service rep she tried to help and tried to send my the denial via email but was not allowed to by their system I had to wait for the explanation in the mail. XX/XX/XXXX I received and advertisement email claiming my home at valued at XXXX on XX/XX/XXXX I received the letter explaining my denial for removing PMI because of the loan to value ratio but no explanation on number they used. If they value my house at XXXX that would make my Loan to value ration at 74 % well under the 80 % requirement. my original loan was at XXXX. I also have made significant improvements to my house and the going value of my house in the neighborhood has raised to between XXXX. They refused to give any information of what they were using to calculate my loan to value ratio nor how to contest the value used of the house.
Product: Credit reporting or other personal consumer reports

This collection has been paid off, looking at my credit report for TransUnion there was never any payment history reported even though I was told that I owed a debt. 

I feel as though the information reported was inaccurate on TransUnion 's behalf and this is something that I find to be extremely concerning if this can happen to anyone. 

Account Name : XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Inquires made that I didnt authorize XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was told this account wiuld be deleted from my credit bureaus when I paid the account off many XXXXyears ago. I am now XXXX and XXXX and asking for them not only to fulfill their promise but also to understand my situation and goodwill delete the item so I dont become homeless in the winter.
Product: Credit card or prepaid card

Subject : Complaint Regarding Synchrony XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally file a complaint against Synchrony XXXX concerning my credit card account with account number XXXX XXXX XXXX XXXX. Despite my efforts to address this matter with Synchrony XXXX 's customer service, I have not received a satisfactory resolution. 

Account Information : - Account Holder 's Name : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Promotion Start Date : XXXX - Promotion Expiration Date : XXXX Description of the Issue : On XX/XX/2022, I enrolled in a promotional deferred interest charges credit card offer with Synchrony XXXX for a one-year period. The initial purchase amount was {$2100.00}. I promptly set up auto-pay with the intention of making payments on time throughout the promotional period. Despite my diligence in ensuring timely payments, I did not receive any statements via email or regular mail. 

I had made an extra payment of {$1000.00} in XX/XX/2022 to expedite the repayment process. Shockingly, I realized that I had missed the promotional period and was charged an additional {$530.00} on top of the remaining balance. This oversight was primarily due to my inability to access statements through any means. I did not receive statements during the promotional period via email, or mail. The company insists they did send the statements to the address on file, which is my current address, but I insist I did not receive the statements via mail or email. I've never had any situation like this with any creditor. I am saying the true, I am being 100 % honest, I did not receive any statements in any way. 

Supporting Documentation : I have attached multiple screenshots as evidence, showing that I was unable to access any statements online either. Additionally, I can provide further correspondence and documentation upon request to support my claim. 


Conclusion : I appreciate the Consumer Financial Protection Bureau 's commitment to ensuring consumer protection and fair practices. Kindly review the evidence provided and use your expertise to mediate this matter, allowing for a just resolution. 

Please feel free to contact me at XXXX or XXXX for any additional information, clarification, or evidence you might require. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I sold my XXXX XXXX XX/XX/XXXX that I got a loan for from Navy Federal CREDIT UNION... I sold the car to a third-party company XXXX... they called over and got a {$23000.00} 14-day payoff from navy federal ... XXXX sent over that full amount and now navy federal is saying they gave XXXX  a 14-day payoff amount of {$23000.00} but still released the title to them after XXXX sent over a check for {$23000.00} now its reporting to my credit that I owe money on the car.
Product: Consumer Loan

There are communication between myself and bank but they put as all my fault, I am veteran working away from home most of my times, so I told USAA to take out {$250.00} bi weekly for my car payment, well after XXXX payments they stop and I did n't realized they stop, after 60 days they repo my vehicles and told me I fail to make my car payments, my car payment was {$350.00} a month buy but I been paid them {$500.00}, after I relized they repo my car I called them and ask them why they not notified me they reply that I did not answer my phone! Well they lie to me becauce I did not received any call from them or letter mail? I ask them what number did they call? They said that they do n't have number anymore and other thing is they told me my XXXX bank account is closed, well again they lie, my account with XXXX still active. I ask my bank did USAA try to take any money out? They say NO ... .so I talks to USAA they now say that they only take out XXXX payments, I have to sign some kind of documents for them to take money for car payments??? They been taking {$250.00} out fine? Why they stop and blame on me not make my car payments??? Now I told them it a communication issue between myself and them, they not buying it ... And now they say too late to get my car back! It on auction???? Please help me on this issue! Thanks ...
Product: Student loan

I went to school and thought i was only borrowing what i needed and each time they mailed an check and said you borrowed extra and would not allow it to be returned as it was actually a grant that i would not owe for in the end, then i needed up owing XXXX for a degree, then they said oh do not worry do the IBR and it will reduce the debt and payments and 5 years and XXXX in payments later i now owe more ( XXXX ) they are total thieves and liars.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be numerous inquires on my credit report that I did not authorize and Equifax reinserted some that they took off but reinserted them without informing me nor validating the inquiries. Equifax breach has really caused lots of consumers major fraudulent problems. I have reached out to the fraud team department of the creditors and alerted them that I did not authorize these inquiries and they stated to dispute them with Equifax which I have done so but Equifax keeps sending me a pre made letter stating they verified them when they have talked to no one regarding these unauthorized inquiries. 

The unauthorized inquiries are : XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX-XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX-XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX 

XXXX XXXX Inquiry fromXX/XX/2020. 
XXXX XXXX-XXXX  Inquiry fromXX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXXXXXX  Inquiry from XX/XX/2020 all these inquiries are unauthorized and they need to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I put in multiple disputes where they responded in 2-3 days saying they will not remove off my report that all info is correct and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX XXXX never late PUBLIC FILINGS US XXXX XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Money transfer, virtual currency, or money service

I am filing against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

My identity was stolen- my car was broken into and my wallet that contain my ssn and id was stolen. almost a year later two credit cards was open and started being reported as charge off to CRA. The original creditors are XXXX XXXX. I disputed the account with the original creditor and the CRAs multiple time. I made them aware that this account was open with out my consent and I provided the identity theft report filed with the FTC. Both accounts are being reported as charge account and one account was sold to Midland Credit Management and now being reported as a collection. I file a dispute requesting validation and did not receive any proof that the account was mine. The name and address on the account is incorrect.