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

I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX ) and they are now have the most recent police report ( that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. XXXX does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX Systems is being assisted by the credit agency to ruin my stellar payment history and rating. Experian, XXXX & XXXX has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable
Product: Credit reporting or other personal consumer reports

On or around XXXX of XXXX  I noticed my XXXX XXXX card was lost. I went online and the card had been used fraudulently and I notified the company. I had to contact the company more than 20 times over the course of the last three months and I find that the customer service is sub-par and lacking in any kind of professional skills. Many calls were answered by customer service outside the United States and the hold times were long and sometimes dropped. 

On XX/XX/XXXX of XXXX  I received a letter stating the fraud investigation was closed. On or around the end of XXXX I noticed that all of the charges were put back on the card. I continued to contact the company and on XX/XX/XXXX received a call from corporate and an email from XXXX ( no last name provided ) that the issue would be resolved. I have yet to receive a follow up call. 

On or around XX/XX/year> I spoke to customer service rep XXXX  ( XXXX ) in regards to my account. He gave me information on where to send any information for the fraud investigation. I asked for the investigation notes, or any documentation that was used to confirm the fraud follow up. The conclusion is that since the chip was used it what he said fraud. 
What a horrible and demeaning thing to say and the idea that the customer of the fraud investigation was lying is repulsive. Of course the chip would be used if the card is being used unless the card is swiped. I asked for evidence that was used in the investigation like people they spoke to, any videos and there is none. 

XXXX XXXX  themselves on Respect, XXXX, XXXX, and XXXX and XXXX. I find this to be laughable when the company has employees that can't even take a fraud investigation into account. I will continue to make complaints until XXXXXXXX XXXX is sanctioned for unethical practices. A payment is due and I will not being paying that because the account is in fraud status.
Product: Debt collection

XXXX XXXX XXXX called me and repeatedly told me that my credit would be harmed until I pay back debt. I said multiple times and asked multiple times if she was saying that it would be harmed every day until I pay the debt she said, yes your credit is going to go down every day to debt is not paid and your credit is going to get worse until this debt is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

My acct has perfect payment history except 4 payments that were marked as 30 days late when they shouldn't be.  These are 4 payments in a row XXXX, XXXX8 and XXXX they were NOT, this is severely effecting my life and me getting new credit.  Please adjust these immediately i just recently saw for the first time in years my credit report due to being denied for an apartment bcs of my score and these late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for XXXX XXXX, Equifax and XXXX. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.
Product: Debt collection

Our PayPal account was charged {$39.00} on XX/XX/21 by someone unknown to us using my debit card number which was never on the PayPal account. We contacted our bank the charge was fraudulent and our money was restored to our account. 
We closed the PayPal account. On XX/XX/21 we were contacted by XXXX XXXX regarding the debt. They said they would send an email of the transaction that we never got. On XX/XX/21 we talked to XXXX XXXX at XXXX regarding this debt. On XX/XX/21 XXXX XXXX stated he would send as fraud to PayPal. Now we have gotten a collection letter from XXXX XXXX attempting to collect the same debt. These collection companies are harassing us by passing this fraud claim around in hopes of getting money they are not owed. 
Closed PayPal account # XXXX XXXX XXXX  account number XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX account number XXXX
Product: Credit card or prepaid card

I placed my credit card payments in deferment. When though I set up the deferment over the phone with an agent, my account still showed a delinquent causing me serious hardship. 
This issue has hindered me from providing housing for my family.
Product: Credit reporting or other personal consumer reports

On XX/XX/2025 I delivered, by certified mail, a letter requesting that TransUnion verify that the adverse information was being reported correctly by the creditors of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX  Fin XXXX as was either updated or deleted from my report. I received no response from them on the investigation and on XX/XX/2025, by certified letter, informed them that due to the lack of their investigation I demanded that they remove the accounts from my report and notified them that this was not another opportunity for them to investigate as they have already received their chance of investigation. Yesterday, XX/XX/2025, I received an email from them saying that they have received my dispute three days ago and are investigating. They are outside the legal requirement to have done an investigation and I would like these accounts removed from my report immediately as instructed in my letter they received XX/XX/2025. I pulled my report today ( XX/XX/2025 ) and all accounts are still showing as they did in XXXX and no remarks have been made that the accounts are even being disputed.
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 a 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 14.4K under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss,
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to remove the following unverified accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX 
Despite being notified months ago that this information was not validated, Equifax continues to report these inaccuracies, causing financial harm and emotional distress. I did not authorize these accounts or inquiries, and they are unrelated to any activity I have conducted. I have attached a copy of my FTC Identity Theft Report for your review. Under 15 U.S. Code 1681c-2, I request that this information be removed from my credit report no later than 4 days after receiving this letter. Failure to comply will result in further legal action to protect my rights.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. they are hurting my report as these are under the negative items which have late payment remarks. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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 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: Debt collection

I 'm a XXXX year old single mother. On XXXX XXXX, 2016 I called my bank at XXXX XXXX to check on my account balance. I have a checking account at XXXX that my mother 's name is attached to. Her name is only a secondary on the account, if anything were to happen to me. She has never once in all the years that I have had this account had any of her checks deposited or taken money out, she does n't even have a card to the account. When I called for my account balance it stated that is was frozen with an overdrawn balance of {$15000.00} due to my mother having debt with Discover Bank. I have over {$6000.00} saved in that account for my son and myself and Discover Bank said because my mother 's name and social security number are attached to my account that they can take all of my money and not leave my son or myself with {$1.00}. All of my {$6000.00} are still in my account but it is untouchable until XXXX XXXX decides if they will release my money to Discover Bank to cover my mothers debt. My mother owes {$21000.00} to Discover Bank and they filed a law suit using XXXX XXXX XXXX XXXX as legal representation. I can 100 % prove that all money being deposited in that account is mine and has nothing to do with her.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account do not believe to me, I do not recognize these account numbers nor accounts. I believe that i have been a victim of identity thief. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1100.00} opened XX/XX/XXXX XXXXXXXX XXXX {$840.00} Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting

This account in question was previously deleted due to fraud. It originally was XXXX account. The new company XXXX purchased XXXX and re-inserted the same account on my credit report. This needs to be deleted immediately. I have supplied Equifax with a police report, affidavit and personal identification. XXXX changed the account number to allow it to be re-inserted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding an outdated account that is still showing on my credit. the account is over 7 years old and the credit bureaus have not corrected my credit report it is still showing as a collection. I had asked them to please update this incorrect information and it has been over 30days and I still have not gotten a response. The account is XXXX Bank account # XXXX is from XXXX. I need them to delete this account from my credit report.
Product: Credit card or prepaid card

I purchased some furniture from XXXX prior to moving into my new place on XX/XX/2020 and I had many issues with the furniture ex : 1 inch differential between each drawer leaving a visible gap. Chips on sideboards that was damaged during setup by XXXX which is the company they use. I was refunded monies several times but Discover sent me a physical check in XXXX and than months later told me they shouldn't have sent it. So they applied the money BACK to my account. I have names of who i spoke with and after sending XXXX XXXX emails I decided i would try and let Discover resolve this. They failed me in every way possible. Especially since I was asked to send them proof that my replacement furniture was on back order for over a year. XXXX sent me an email XX/XX/XXXX stating your order is delayed and Discover still has not reversed the amount to a permanent fix. I don't know what else to do. They caused my FICO to drop over 62 points because of this issue. I need a permanent resolution, plus they are charging me interest on top of everything else! Disgusted
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send tons of letters to Transunion Credit Bureau and i have not got a responded regarding whether by email or letter in the mail or by app. i need some resolution regarding this issues
Product: Credit card or prepaid card

After checking my profile this summer on XXXX XXXX ( XXXX ) I noticed that my credit card with a {$24000.00} limit from Bank of America opened on XX/XX/XXXX was closed. I contacted them to inquire why it was closed, because the reason listed on the site under Remarks is " Account closed by consumer '' -- -I DID NO SUCH THING either verbally or in writing. I was told by the representative when I contacted them was that is was closed " due to non usage '' and added that it could be re-opened by applying a second time which would be a hard check on my credit, dinging my score which has steadily dropped from well over 750 to low 700s as I've paid off various accounts and balances. What I DID do was have the balance transferred in XXXX/XX/XX/XXXX to a XXXX Personal Loan because the Bank of America credit card interest rate was too high and at XXXX, I was able to get a better rate in order to pay the balance off faster. Yes, I did stop using my credit card to reign in my spending, improve my financial standing and score and pay off my debt. What I didn't expect was this financial institution to cause me financial harm by closing a card with the credit limit that I earned without my expressed written or verbal consent. I contacted the credit bureaus to dispute the closing and have received results that are not favorable, so I decided to reach out to the CFPB to see if you all might be able to help. I'd like to make a major purchase in the coming year and will be unable to do so without demonstrating that I am responsible with money. Thank you for any help.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, Wells Fargo Dear CFPB, I am disputing an item on my last statement, dated XX/XX/18 because I believed I was misinformed of the promotion that XXXX XXXX store was offering us on their no interest rate for 18 months credit card at that time. Last year, my fianc and I came into XXXX located in the XXXX XXXX XXXX in XXXX to shop to purchase wedding rings. Once we decided to purchase the rings, I was planning to place the purchase on my personal credit card, but the sales rep informed us that they had a great promotion on their in-house credit card that doesnt charge interest for 18 months. It sounded too great to pass up. So, we inquired some more information on it to make sure we knew what the agreement was. The sale rep assured us that there would be no interest for 18 months and after that period all we had to do was pay the monthly interest and the balance. We thought it was a great deal so that way we can use more money towards our wedding. 
So, after the 18 months was over. We received our XX/XX/2018 statement with a balance of {$3700.00} with an interest charge of {$4300.00}. Coming to a total of {$8100.00}! We just thought it was a mistake for the interest charge. We called the credit card company and found out that there is a roll back interest charge since we did not pay off the balance within the 18 months free interest rate period. We were furious with the false advertisement that the store had given us so I immediate cancelled the credit card and requested to speak to management. I explained the situation to the manager on the shift saying how the sales rep mislead us and use deceptive marketing practice to lure us in with the promotion they offered but did not explain all the cost involved if it was not paid off within the 18-month free interest period. If that was the case, we would have used our own personal credit card if we had known or even pay off the balance before the free interest rate period expired. The manager on duty explained over the phone that it was in the contract and there wasnt anything that they could do but they can give us a discount if we were able to pay the balance in full in a set time. To me, I feel like they were well trained for this scenario and it seems like it wasnt a first time a customer called to complain about the roll back interest charge or their last. 
We agreed to the terms for the discount and have since than paid the amount of {$7000.00}. So, if the sales rep had explained this to us in person last year. We could have used our personal credit card or even pay off the balance before the promotion had expired. Please assist us in getting a refund on the interest we paid. We believe its only fair we not be charged for the roll back interest given that we paid off the entire credit card balance as soon as we discover the promotional rate they promised was false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have listed fraudulent accounts reporting on my credit report. I did not aplly nor utilize any of these accounts myself. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX
Product: Debt collection

I am concerned about identity theft by this company. Scam debt collection call regarding my recently deceased mother. My mother has never owed any debt and being from the   XXXX   XXXX   generation rarely used credit cards and paid for most expenses by cash.     In calling the number,  XXXX , it was found to be a company, AscensionPoint, and I found numerous complaints online about their scam practices especially in the cases of deceased family members.     Unfortunately,  AscensionPoint h as a website ascensionpoint.com,  XXXX , that makes it appear to be a legitimate company but obviously, it is a fraud/scam organization.