23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I met XXXX XXXX through a guy name XXXX XXXX in regard to acquiring real estate and building new homes in XXXX, GA. When I met XXXX XXXX at XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX # XXXX, XXXX, GA XXXX, we had a meeting about what he does and the company he owns. XXXX XXXX stated that he and his partners own a few companies such as XXXX XXXX XXXX XXXX XXXX, BHG Loans, and IHAULoads. He stated he owns a mortgage company, that will give me 100 % financing for the build out of homes, as long as I get the capital liquid funds to put down on the vacant lots at address ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, GA XXXX. So, after the meeting that took place on XX/XX/2022, I met with XXXX XXXX on XX/XX/2022 to go view different lots, that he stated he owned, and he would sell to me and provide the financing through his mortgage company for the build out. Once I left XXXX, and flew back to New Jersey, on XX/XX/2022 XXXX XXXX sent me a BHG Loans link through text message to apply for the loan and talk to his partner XXXX XXXX to put down on the vacant lots at XXXX and XXXX XXXX XXXX, I proceeded to do so, and I was approved for {$150000.00} in which I secured the loan and followed all the directions XXXX XXXX instructed me to do. Once the money was deposited into my account on XX/XX/2022, I called XXXX as instructed and he told me, to pay off a personal loan I had with XXXX XXXX ( I did so ), keep a few months to make payments on the loan which is {$3100.00} monthly until construction starts, and to wire him {$100000.00} for the down payment of the lots at XXXX and XXXX XXXX XXXX, XXXX, GA XXXX ( I did so ). After wiring money, XXXX XXXX told me he was working on the deal, he been in contact with underwriting, and that I had a closing date scheduled for first week of XX/XX/2022, it never happened, then he moved on to other properties throughout XXXX, GA ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. After nothing came from any of the lies that he told, he stopped answering the phone and I lost contact. I then contacted the police, and have not got any answers, I contacted XXXX XXXX XXXXXXXX where I wired the money from, and they stated they can not get the money back, I have called the FBI and haven't gotten anywhere, I have contacted BHG Loans, and they refused to modify the loan or remove interest due to the scam. I have exhausted all avenues that I know of and I'm begging for help, this loan is {$3100.00} monthly and it has put a major hardship on me and my family, I'm struggling to pay it monthly, I also can't default on it due to my kids needing their education and having a chance to go to college within the next year. Can you please assist me in this battle. I honestly did not see this type of scam happening to me, I thought this was a crime, and it seem I can not get help from any agency. This whole situation has hurt me and is truly stressing me and causing me to be in the position to lose my current home, not be able to save, neither can I provide a healthy living for my kids as I once was able to do prior to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I contacted TransUnion and sent supportive documents Including the police report of Identity Theft. Information is still reporting incorrectly. 
Such information can result in issues with my XXXX  and private contracts
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently taken action against credit reporting agencies, highlighting systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a payment of {$400.00} was made to Republic Finance that didn't get processed. The error was caught in XX/XX/XXXX by the company but wasn't corrected or noted as promised. That action created a late payment reported on my credit file that I was made aware of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They have called my phone numerous times at XXXX. I have notified them several times that I live on the east coast.
Product: Credit card

I got the Citi credit card : Citi / AAdvantage personal credit card in XX/XX/XXXX. I signed up paperless and auto-pay set up linking with XXXX XXXX. First payment was on XX/XX/XXXX. Citi had withdrawn/attempted XXXX ( XXXX ) different amount of money : {$1700.00}, {$1600.00}, {$1600.00} and $ XXXX ( XXXX XXXX XXXX  telephone agent found this transaction as third withdrawal but they refused to make Citi withdraw from my bank account. Thank God! ). Statement balance was {$1700.00}. I did not process to pay any amount with using/linking XXXX  XXXX Bank XXXX 

Below is the screen copy of Citi account " XXXX XXXX ''. 

XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Canceled {$1700.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX Credited {$1600.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX Credited {$1600.00} It has been still under review when I called to confirm it with a telephone agent who was in XXXX this morning, XX/XX/XXXX. I also requested to reimburse {$35.00} over draft fees that was charged by XXXX Bank. They denied that request. 

Currently, I am outing and do not carry card with me. So I can not apply card number in full next page. It is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX are the last XXXX numbers. You may call me to provide a full number.
Product: Checking or savings account

Hi my name is XXXX XXXX XXXX submitting they claim because its been a few months since I was supposed to have access to my tax refund deposited on my XXXX bank account the account number is XXXX every since I received my tax refund my bank hasnt allowed me to use my funds I can login fine and see funds but cant use it, they told me this was because my account wasnt opened that long and that they needed to verify me in person which I did but Everytime I do is something new they just keep me goin in circles like hold on but never no answer almost like they dont care or just wan na keep holding my funds.
Product: Credit card or prepaid card

I recently filed a chapter XXXX Bankruptcy on X/XX/2017. After American Express was informed of the filing they disputed all the charges that I have made 6 months leading up to the filing. These charges range from gas station purchases, dining, utilities etc. I called and tried to speak to AMEX about the issue and no one wants to assist or help me. This practice is unlawful and I need to know what to do in order to resolve this matter ASAP. My internet, cable, and cellphone have been disconnected and the accounts are pending disconnection. Can someone reach out to American Express on my behalf and have them retract these disputed charges that has been wrongfully executed.
Product: Debt collection

Acima Digital FKA Simp reported to XXXX Credit Bureau that I owed XXXX. I don't owe such amount. The creditor failed to follow the Fair Credit Reporting guidelines prior to reporting this derogatory information to the credit bureau. As such, it is requested that the collection be deleted from my report.
Product: Credit card

On XX/XX/2025 I received a text message and email from Citizens bank Fraud Alert stating my card was declined for a transaction I did not make on a card I had lost. I then received an unsolicited one time passcode from Citizens Bank indicating to me that someone was attempting unauthorized access to my account. I called the fraud number for citizens bank to report the suspicious activity and request closure of the card, but they could not verify my phone number. They stated the only way I could resolve the verification would be to visit a branch in person, but there are no Citizens Bank branches near me. I requested that the account be closed and was transferred to customer service over the phone - customer service stated they could not access my account and only the fraud department could cancel the account. I was transferred back to fraud who again stated I needed to visit a branch to close the account or get a replacement card for a lost/stolen card - when I requested additional information on the process or alternative options the line went silent and the representative hung up on me. There seems to be no way to close the compromised account except to travel long distance to a physical branch, which I'm not sure would even work. I am now locked out of my online account for the credit card and have no recourse to cancel the credit card which might continue to incur fraudulent charges in my name.
Product: Debt collection

I recently got a call today from a company called XXXX  I honestly have absolutely no clue what this is all about. When I tried to callback I get a automatic system robot not a actual human being. No actual person, or name or reference to what this is pertaining to. I do not have any outstanding debt from this so called company. Please inform them to stop calling.
Product: Credit card

Synchrony Bank services my Amazon.com Prime Store Card. The primary feature of this credit card is you get a 5 % statement credit when you use the card. I have not gotten the credit, although the amount of it shows up on the statement. I have complained 2 times to Synchrony Bank and they have n't resolved this issue. The statement I receive clearly sets forth and promotes the 5 % cash back benefit, but it is not actually implemented. I have alerted Amazon about the bad service from its co-branded bank credit card but they send me back to the bank. This is fraud if intentional. I am certain most people do not monitor this closely as it is generally a small amount of money, but I am also sure people get this card for this benefit which they are n't actually receiving ( if others are similarly mistreated ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with Discover Financial Services XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called Discover customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. 

I contacted Discover Financial Services XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.
Product: Credit card or prepaid card

I discovered my Avant credit card issued by XXXX missing from my wallet after I logged into my online account and saw six unauthorized transactions. I immediately called Avant customer service on XX/XX/XXXX to report my credit card lost, and to have a claim filed for the unauthorized transactions. I told the customer service representative that the card was lost, but I didn't remember the last time I saw the card, or, at what location the card was lost. The claim was made and submitted to Fraud Management Services. I then received a letter dated XX/XX/XXXX, which informed me that I couldn't be reached by phone, and that I needed to call the Office of Fraud , Research, and Investigations at XXXX Ext. XXXX. The letter stated that information was needed to investigate the alleged fraudulent use of the credit card. I left a voicemail for the representative investigating my case at the extension above, and the voicemail greeting said my call would be returned within 24 hours. However, I didn't receive a call. Nevertheless, I did receive a second letter dated XX/XX/XXXX, which stated Avant had begun a review of the fraud claim, and I would be contacted if additional information was needed to resolve the disputed charges. A third letter dated XX/XX/XXXX was received, and had the same wording as the XX/XX/XXXX letter informing me that I couldn't be reached by phone, and that I needed to call the same phone number and extension as above. Also, the letter stated that I needed to respond by XX/XX/XXXX. I left two voicemails, and I did receive one voicemail from the case worker on XX/XX/XXXX. I returned the call on XX/XX/XXXX, and then made numerous calls through XXXX, leaving a voicemail each time, but never received a return call. The last letter I received from Avant was dated XX/XX/XXXX, which indicated I had notified Avant of suspected unauthorized transactions on the account in the amount of {$480.00}. The investigation was completed, and there was a determination that the transactions were authorized and valid based on the information received in the investigation. Therefore, the transactions would be re-debited to the account and appear on the next statement. Since receiving that letter, I've left four voicemails at the same number and extension, but haven't received a reply. I've enclosed all the correspondence letters received from Avant, and the statement showing the disputed transactions.
Product: Credit reporting or other personal consumer reports

Original creditor XXXX XXXX sold information to Spring Oak Capital LLC, with out consent. Original loan was inquired with XXXX XXXX a year before natural disaster XXXX
Product: Debt collection

I have contacted the Department of Education, Equifax and XXXX to help me remove the paid account off my Equifax credit report. No one has helped me resolve this problem on my Equifax report it Is still reporting the Dept of Education loan account, They we paid in full and verfied they we supposed to be deleted and still has not, it is affecting me negatively I would just like to resolve this with Equifax so the loans can be closed off of my credit report since it paid in full. Attached I have the letter of pay off and tax verifications for no more amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to equifax several times that the car judgement on my report is incorrect I also submitted the complaint to consumer finance which exeter finance responded and said they would have it corrected in 45 days but it took well over 45 days for them to correct it so it should be removed but now they stated it has been corrected however the account is still being reported as a charge off when it should be settled however equifax is still reporting it incorrectly.
Product: Credit card or prepaid card

I need to set the PIN on my card to use it as a Debit card as the instruction on the sticker on the front of the card say to do, however the company has blocked my phone number. I dial XXXX listed on the card, and the system immediately hangs up on me as soon as it begins to ring. I have tried this phone number many times over the past year with the same problem. This problem does not exist from any other phones I tried to call from, so they have specifically blocked my phone number. This is unacceptable because I can not use the card for debit purchases pursuant to the terms of the card agreement until I use someone else 's phone to call. I called the number with my wife 's phone and spoke to 2 different supervisors who refused to acknowledge that they block phone numbers, but my experience clearly indicates they do. This needs to stop as they are required by terms of the card agreement to at least speak to someone who purchases their pre-paid cards.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. insert your accounts you want deleted XXXX revolving acct with acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor 1. XXXX Account number XXXX Transunion -- There was never a dispute. Please remove comments. 

2. XXXX XXXX XXXX Account paid- please remove comments. no disputes 3. XXXX XXXX please remove comments ( never disputed anything ) ( 2 entries -- Transunion ) 4. XXXX XXXX XXXX XXXX  XXXX - paid/closed -- please remove negative remarks 5. XXXX XXXX XXXX- Please remove comments- 6. XXXX Account number XXXX - chargeoff removed by Creditor -- sent to all 3 bureaus. Will submit proof. 

7. XXXX- creditor error -failed to deduct payments when auto payment was setup. my banking info never changed. I always setup auto pay. This was only $ XXXX month and at the time, I had 4 or 5 mortgages, car note, credit cards and they all were paid on time, I always setup payments auto pay to avoid missed payments. I requested account to be closed. Please remove negative payment history.
Product: Checking or savings account

it has now been almost a month since ive had access to my Ally bank checking and i have tried to request to have my account closed and my funds mailed to me but i have not been getting the help i deserve or need. just constant runaround from the Bank. 

I want my account closed and my funds mailed to me, i have over XXXX in the account that i transferred in from another checking account i own and i can not for the life of me get my money back. they are holding it XXXX, i dont want to continue business with this bank. my account was locked for no legitimate reason and for that i want to close this checking account. i want my money mailed to my address on file
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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

I am a Victim of ID Theft and I am very concerned with Experian and knowing that I filled a police report about all of the inquiries that Experian allowed on my credit file, over  XXXX  inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to Experian and my score is the lowest with this company. It is around  XXXX  and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

TransUnion is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.
Product: Debt collection

Gold Key Credit , Inc., filed on my XXXX, XXXX and XXXX reports I owed them a debt. I sent several written notifications to verify and validate the allege debt. Gold Key Credit , Inc., has refused to verify or validate the date. I requested a copy of the contract signed by me that obligated me to pay Gold Key Credit , Inc., it has also refused to send me a copy of the allege contract showing my signature. 

Also, this allege account has someone else 's address. It was placed on my XXXX, XXXX and XXXX credit report.
Product: Checking or savings account

I was traveling abroad, in XXXX, and someone fraudulently used my debit card. I filed a fraud claim and bank of America temporarily issued me a temporary credit. After their investigation, they claim that they are unable to refund the fraudulent amount and have taken back the temporary credit. There are XXXX separate claims comprising this fraud, XXXX is for the amount of {$510.00} and the other is for {$250.00}, so the total is {$760.00}. I did not make any of the purchases and the my debit card was used fraudulently.