23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, This is my third attempt to have my credit report to read correct and accurate information. I recieved coorespondence thru the mail stating the accounts were verified and updated. The documentation used to conduct their investigation where not included. Even after saying the information was verified and correct Once I viewed my consumner reports none of the information was changed. All XXXX credit bureaus have inaccurate and incomplete information on the accounts. They even have different data from eachother listed on the accounts. I've called multiple times and even sent emails to the CEO. They continue to report inaccurate and incomplete information even after saying it was verified and updated. In regards to Accounts - XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. i HAVE ATTACHED THE CREDIT FILE WITH EACH INACCURACY CIRCLED AND NOTED. I HAVE ALSO ATTACHED THE LETTER THAT I SEND VIA EMAIL TO THE CEO. TRANSUNION XXXX AND XXXX ALL REPORT DIFFERENT INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION If, after any reinvestigation of a minor item under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,
Product: Credit card

I repeatedly requested information regarding ALL the penalties I would be accessed if I closed my account. 

As of this date CareCredit representatives refuse to provide me with this information.
Product: Credit card

Hi- I have a Kohl 's card. I received an email from Kohl's/Capitol One stating that I needed to activate my new card. I have not requested a new card-they said it was a Visa card ( which I have not yet received either ). 

My issue is that I did not apply for, nor do I want a new Visa Card. 
They stated my Kohl 's card was " upgraded '' I called to complain, then they told me that I couldn't close this account until I received my new card. I kept insisting they close this account as I did not apply for a Visa card, nor had I received the new card.They finally agreed to close the account. 
This is complete fraud in my opinion, stating I have a new Visa card without applying for it. 
I am XXXX years old, perhaps it is elder abuse as well. Companies should not be allowed to falsify applications for Visa cards for people that have not applied for them. 

Thank you, XXXX XXXX
Product: Debt collection

I was divorced in XX/XX/XXXX. My ex-husband and I had jointly financed a XXXX XXXX XXXX through PNC Bank. In the divorce he was given the XXXX and all financial debts linked to it. 
After I received a copy of the court order that the XXXX was to be the sole responsibility of my ex-husband I began to get notices of missed payments. Not knowing what else to do, I immediately took a copy of the court order to my local PNC branch and attempted to show them that I should be taken off the loan. This occurred multiple times. Every single time I went to a branch I was told they would not help me. 
On XX/XX/XXXX I received notice that the bank had foreclosed on the loan due to non-payment. All throughout this I tried to contact my former husband who was nonresponsive. Then in XX/XX/XXXX I received a notice of the plan to sell the XXXX at a public sale. The balance of the loan was a little over {$41000.00} and PNC sold the XXXX for a little more than {$23000.00}, leaving a balance of {$18000.00} that my former husband owed. I received the notice of this balance in XX/XX/XXXX. 
After several attempts to get help from PNC I finally found an attorney who was willing to help me for free because he was a member of my church. PNC at first took him seriously. In XXXX he began corresponding with different individuals at PNC until he worked his way to XXXX XXXX, and executive client relations specialist. 
In early XXXX I received a notice from PNC that they would settle the debt for approximately {$5500.00}. 
The attorney spoke with XXXX and she stated that there was nothing that PNC could do to help because I did not tell PNC that I was supposed to be taken off the loan before they foreclosed on it ( which is patently false. ) He then asked her about potentially discussing different settlement options. She said she would reach out to the settlement department and reach back out with what settlement could do. That was in early XXXX. The attorney reached out four or five times since that and has gotten absolutely no response. 
The last thing that happened he called and left a voicemail and the message said his call would be returned within 24 hours. When it was not he sent an email informing them that due to their failure to respond to any and all contact, that they misrepresented themselves, and have purposefully tried not to send us in the right direction that I would be reporting to CFPB.
Product: Student loan

Hello, I submitted a request for a lower monthly payment to my loan with myfedloan. I stated that since my divorce I am newly married with XXXX new kids and have new financial responsibilities along with the student loan payment. Since the pandemic I have been struggling to make ends meet. I am in a public service loan forgiveness program that makes no sense!! At the current loan payment program, I will be paying off the loan far sooner than the 120 payments. This program does not help me. I am a XXXX XXXX XXXX. 
Sincerely, XXXX XXXX
Product: Mortgage

We closed out a loan with PenFed credit union-paid off XXXX mortgages with them. For our florida house that we paid off, they kept our escrow money. It is my understanding that they need us to sign something to allow them to keep that money for any reason. We closed on that months ago and still have yet to receive escrow monies of XXXX they held, plus over XXXX that we had to give as a deposit despite already paying a full year of insurance before closing. We then had no money to pay for the insurance that was due! How can these big banks be allowed to have fraudulent business practices?
Product: Money transfer, virtual currency, or money service

I Am Writing To Formally Express My Concerns Regarding Zelles Handling Of Disputes, Particularly In Light Of The Recent CFPB Lawsuit Highlighting Significant Issues With The Platform. Despite Using Zelle Numerous Times & Reporting Discrepancies, My Financial Institution & Zelle Failed To Investigate My Claims Adequately. They Informed Me That Recovering Lost Funds Was Impossible And That Tracking These Transactions Were Unfeasible. The CFPBs 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.
Product: Checking or savings account

Me, XXXX XXXX, had three checking accounts, two consumer and one business with Huntington Bank. It appears they had closed these accounts for no reason after asking me to come into branch, I had called and they told me to go into branch, I went in branch and they would not tell me anything, they wouldn't even tell me the status of the accounts or confirm they were being closed, I then called and they made me have the account numbers, thankfully the person in branch as able to provide this. They then proceeded to not give me any information about what accounts or why they were being closed, this is obnoxious on this bank for requiring people to come in office for no reason, and then not telling them any info. this bank has had a history of telling people, including me to come in branch for no reason when they won't help me over phone
Product: Credit reporting or other personal consumer reports

an address is reporting to my XXXX XXXX and Experian that I never lived at this address below is subject to fraud and identity theft. this address must be removed and blocked. 

XXXX XXXX XXXX., XXXX, pa XXXX -- fraud address
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX OF XXXX XX/XX/2022 ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00}.
Product: Debt collection

I was given a sapena for a court date for bad debt. I have been getting a bit of a run around. I found out that this bill was allegedly from XXXX XXXX. After getting a run around from XXXX XXXX, eventually they said they didn't charge me anything and that I should submit it as fraud. I submitted it to the identity theft, police and Forwarded the information to the attorneys office. I still feel like I am getting a run around. I found out Friday that my court date was postponed ( which was scheduled for today, Monday ). I am still not sure what is going on with this. I did contact them to try and settle it, to avoid stress, but they refused to reduce it to an affordable price.
Product: Debt collection

Notified XXXX XXXX initially XX/XX/XXXX, filed necessary FTC report, Police report and dispute with CRA. Account was deleted from CRAs, however XX/XX/XXXX account transferred to another agency CONTRACT CALLERS INC, agency forward me back to XXXX XXXX due to account listed as fraud and information inconsistent with data reported by XXXX XXXX. 
Spoke with XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without resolution.As per XXXX XXXX supervisor, i was informed it was nothing that could be done and file a complaint. 
All 3 CRA had fraud/active duty alerts during this time account was open and XXXX XXXX failed to notify of fraudulent activity and even notify of account being opened.Neither the collection agency nor XXXX XXXX has offered a resolution regarding fraudulent account opened in my name. I am repeatedly hung up on or transferred.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> a collection from national credit systems appeared on my credit. The collection is attached to an address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have never lived there and this collection is not mine also alongside there were several inquiries to my credit which are listed in this FTC, which I have attached to this Complaint, I have numerous issues with this in the past Ive been victim of identity theft, and these things happen with this particular credit bureau. The amount is only {$75.00} but it does not belong to me.
Product: Payday loan, title loan, personal loan, or advance loan

I had a brief period of unemployment, so I took the 2 month bill pause they offer normally. No big deal, modified my loan and went about my business. XX/XX/XXXX they advise that I'm past due. I look online and the billing section says I have a payment due XX/XX/XXXX. I'm very certain the rep I talked to said, no bills until XXXX. I have no other bills, I have no other notifications I owe for XXXX. 

They said " our system will skip ahead to the next payment. '' What? Is that legal? I don't know... I got my modified loan statement. But I got ta figure out if just not sending a bill is legal ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, a certified letter was mailed to TransUnion requesting information regarding their XXXX of XXXX pertaining to an alleged debt that they list as " XXXX XXXX '' ( XXXX ). This collection agent ( XXXX XXXX ) reports a debt owed to XXXX XXXX in the amount of {$190.00}. This debt is being actively listed, although it exceeds the XXXX statute of limitations for reporting. 

TransUnion was previously notified of this specific error and a dispute was filed. TransUnion reported that their " investigation '' had verified the incorrect information. As such, the aforementioned XXXX of XXXX letter was posted on XX/XX/2022. No response was provided by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX added incorrect late payments to my credit report on this closed account. This is a violation!
Product: Student loan

Based on the evidence, the Department found that The XXXX XXXX engaged in widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education. This limited my availability to properXX/XX/XXXX at the school, which ultimately led to being forced into private student loans in order to finish the program. Since the closure of the school, I no longer have the ability to accredit my degree and confirm my graduation. Ultimately, I am required to pay for something that no longer exists. 

During the process of applying for student loans, each semester The XXXX XXXX XXXX XXXX XXXX would lose prospective lenders forcing students into high interest private loans with two banks, XXXX and Citizens Bank. 

Citizens Bank did not provide any payment assistance upon graduation and defaulted the loans.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX  ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX 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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the 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 15 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. Please delete the accounts : XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$1500.00}, XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolden Police report # XXXX XXXX XXXX XXXX XXXXXXXX police There are 3 hard inquires from cbna on my equifax credit report and equifax refuses to investigate it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 


XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all 3 major credit bureaus ( XXXX, Equifax and XXXX ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Venmo suspended my account. I've had my account in good standing for years now, and the only change I made was to add a XXXX bank account to transact. Immediately after attempting to link the accounts via Venmo 's account linking portal, I was notified that my account was closed. 

The Venmo app said that I'd receive an email containing more information about my account suspension, but the email I received only asked for a picture of my driver 's license to verify my identity. I used the upload link they provided right away. They didn't tell me why my account was suspended. 

Two days later ( XX/XX/XXXX ), after hearing nothing, I submitted a help request to seek further information. An employee responded to my request to say they'd reviewed my ID, but that another team would need to review my case and that they'd get back to me in 10 - 15 days. He requested that I reply to the email with other questions, but Venmo has been silent since then. 

I've called and had an online chat with the Venmo support center, and all I was told is that for account suspensions, the only way I can get information is via email. Yet, as I've written, they haven't given me a reason for my suspension. If there is fraudulent activity or a potential identity theft, I need to know ASAP. 

Venmo is not making it easy to get any help or assistance on this issue, and they're not providing information to me to understand what may be going on with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me s letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX AND XXXX, through there paid subscription gives authorization to XXXX XXXX TO ACCESS THIER SYSTEM REMOTELY GIVING THEM SOLE AUTHORITY TO REPORT CONSUMER ACCOUNTS AS VERIFIED ALSO THESE THREE COMPANIES GAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO CLASSIFY A CONSUMER ACCOUNT AS NOT BEING FRAUDULENT WHILE SIMULTANEOUSLY PROHIBITING XXXX, XXXX AND EXPERIAN ALONG WITH THE CUSTOMER FROM DISPUTING THE ACCOUNT AS FRAUDULENT. IN PLAIN ENGLISH AFTER A BUREA BLOCKS AN ACCOUNT AS FRAUD ANY PAID SUBSCRIBER CAN ACCESS THE ACCOUNT AND UNBLOCK IT AS FRAUD AND PREVENT THE CREDIT BUREAU OR THE CONSUMER FROM CHALLENGING ITS LEGITIMACY AS FRAUD EVER AGAIN! GIVING A PRIVATE PAID SUBCRIBER THIS BIAS AUTHORATIVE CONTROL VIOLATES THE FCRA IN ITS ENTIRETY. No consumer has any rights whatsoever given the access given by these three major bureaus. The above information was provided by a supervisor of all three bureaus. 

These accounts is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, XXXX, AND EXPERIAN IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!