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

On XX/XX/XXXX and XXXX of XXXX I went on a XXXX XXXX. There was an issue with my XXXX XXXX XXXX card giving me an error code of XXXX. I went from machine to machine and sometimes it worked fine and other times I received the error code. 

What I didn't know was every time I received the code, I was being charged. I showed 3 attendants at XXXX what was going on and they did know what the code meant. When I showed them the error code I was charged XXXX, just for showing them what was going on. 
I received a print out of my charges and on the 1st day and 2nd day of the cruise I was charged around XXXX to XXXX. Its that did not make. I went from customer service to casino and they printed out a report that said I had charged it. I told them to look at the surveillance video and they would be able to tell what was going on. No one at XXXX or XXXX XXXX XXXX would listen to me and they never would allow me to view the surveillance. 

I called XXXX XXXX XXXX from the ship and the lady said she would look into it. A few days later the holds were lifted off of my account so I thought everything was good. As soon as I leave the ship they put the charges back on my accounts. 

I have several credit cards on file with XXXX and they were all charged the fraudulent charges and all of the cards keep putting the charges back on my accounts. Then I will call them again because XXXX keeps sending them the paperwork that says I charged that much. They will not send the surveillance which is what is needed. 

Capital one allowed them to go over my credit limit by XXXX and they are refusing to adjust. I have been back and forth with them all and I am getting no where. This has been going on since the XXXX of XXXX in dealing with XXXX and I have been dealing with my credit cards since XX/XX/XXXX. Nothing is being resolved and I did not make those charges. 

My credit rating has dropped dramatically and no one will help. This is unfair and I want justice.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the issue of unauthorized hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act, any hard inquiries that were made without my request are eligible for removal from my credit report. 

I kindly request your prompt assistance in removing this unauthorized hard inquiry to restore the accuracy and integrity of my credit report. Your cooperation in resolving this matter expediently would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 and bankruptcy 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 is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$17000.00} US DEPT ED XXXX Balance : {$9400.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XXXX XXXX XXXX about my credit card not being reported to XXXX and Experian. They open a investigation. I got a letter XX/XX/XXXX saying my information being reported was inaccurate and that it was be fixed in 10 business days. I called XXXX 's in XX/XX/XXXX and they say they were reporting to all 3 bureaus and to call the credit bureaus. I called the bureaus and they said they have no information being reported and XXXX needs to call them. I called XXXX XX/XX/XXXX and talked to a gentleman that called the 2 bureaus XXXX and Experian. They told him they were receiving the information but they took the account off in XXXX because of fraud and they refuse to put the account back on my report. This isn't fair to me. I can't buy a house since they won't report. I show no history of reporting accounts.
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting issues, Zelle failed to investigate my claims adequately. They informed me that recovering lost money was impossible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to dispute this account several times with this company and the response i get is this is a valid account, ,i have asked for this company to provide me a copy of the application showing my signature and i have also asked them to provide me with the method they used to verify my ldentity to open this account.
Product: Credit card or prepaid card

I was charged for merchandise/subscription service on my Sams Club World Elite MasterCard that I did not authorize from a merchant I never did business with on XX/XX/2023 {$5.00} and XX/XX/2023 for {$89.00} and filed a fraud compliant with the issuer of the Card ending in # XXXX. The charges were transferred to my new card ending in # XXXX. The merchant issued a credit on XX/XX/XXXX, XXXX but sams club ( synchrony Bank/Sams Club ) has continued to bill my account ( XXXX different time ), for the amounts in question even though it was credited back as a result of fraud. i Have called several times and spoken with representatives that have " NOOO '' knowledge of financial accounts and I have gotten no where with them doing the right thing and making the right adjustment ( s ) to my bill. IT says I owe {$110.00} when in actuality I should only owe {$28.00}. See attachment ( s ) as proof of my complaint. Synchrony Bank keeps charging my account every day for the same amount even though it was proven to be fraud on the merchants part... ..The representative on the phone are not too customer friendly nor do they have the knowledge needed to speak to me about the problem, all they want to do is argue and show disrespect and I have never been late on a payment. The customer service is lousy to say the least.
Product: Debt collection

I dont know why XXXX XXXX XXXX XXXX is stating that i owe them XXXX for the vehicle? I returned them this car years ago. It was never repoed. I could afford the car so i gave it back to the bank. I called them and had the vehicle picked up by there boss.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect XXXX : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

I am filing a complaint against Trans Union for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Trans Union 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 Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.
Product: Credit reporting or other personal consumer reports

As a victim, I am writing to dispute information contained in my credit file regarding unauthorized inquiries. It is important to stress that under the Fair Credit Reporting Act ( FCRA ), all unverifiable and unauthorized information must be removed. It is deeply concerning that my rights have been violated by the reporting agencies, despite providing them with proper documentation, such as an FTC report, to conduct their investigation. Regrettably, I never received a follow-up regarding my request. It is crucial to note that as a credit reporting agency, you are required to maintain strict procedures to ensure that all public record information likely to have an adverse effect on a consumer is complete and up to date. You have a legal obligation to complete your investigation within 30 days, as permitted by law, and mail the results to me. Any failure to do so will only compound the situation and further harm my credit profile forcing me to take more drastic measures. Please be aware that your credit reporting agency is now subject to federal consumer financial laws, including the FCRA and related regulations. These laws include a ban on " abusive '' acts or practices, as outlined in Section 1031 of the Dodd-Frank Act. Therefore, I implore you to take this matter seriously and act promptly to remove any unauthorized inquiries from my credit file.
Product: Credit reporting or other personal consumer reports

I write to bring to your attention a grave discrepancy within the records maintained by your esteemed agencya matter of profound significance that warrants immediate redress. It has come to my attention that an unauthorized bankruptcy filing has been attributed to my name, a grievous error that not only transgresses the bounds of legality but also egregiously violates my constitutonal rights. 

Furthermore, I must draw your attention to additional inaccuracies permeating my credit report. Specifically, the bankruptcy in question was filed a decade ago, rendering its continued presence within my financial dossier wholly unwarranted and patently erroneous. Such discrepancies undermine the integrity of my financial standing and compromise my prospects for future endeavors. 

The inclusion of this unauthorized bankruptcy not only besmirches my reputation but also precipitates significant financial detriment, casting an unjust pall over my creditworthiness. Therefore, I implore your agency to undertake immediate and decisive measures to rectify this egregious oversight. 

I caution that failure to expeditiously adress these concerns will compel me to pursue legal recourse without hesitation. I stand resolute in my commitment to utilize all available legal avenues to seek redress for the damages incurred as a consequence of your agency 's negligent reporting practices. 

In summation, I urge your agency to exercise due diligence in expunging the unauthorized bankruptcy from my record forthwith, thereby safeguarding my financial integrity and forestalling the necessity of protracted legal proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Box XXXX : ATTN Fraud Department : Remove fraudulent accounts from my credit report.
Product: Money transfer, virtual currency, or money service

Twice Trust Wallet lied. Complaint XXXX and XXXX. TRUST WALLET never replied or send me responses about my complaint. I have all the screenshots and emails with no responses. On my last complaint TRUST WALLET says that they know about this scam, but they dont do anything to protect their customers. They have failed to fill their obligations. Moreover, on their website they say that they keep your XXXX  safe from hackers & scammers. One more time they lie. I never received any scam email or click on any emails received from an unknown person. I didnt visit any fake, or scam website. My money was on my trust wallet account without any specific transactions on it. My money was just store there. Moreover, TRUST WALLET reported a list of $ XXXXway below the {$1400.00} reported to them and the proofs I sent. XXXX XXXX XXXX XXXX Also a demand letter was sent to TRUST WALLET with signature. They never replied to it. I have now reported TRUST WALLET action to the FBI and to the Massachusetts Attorney General 's Office. Its time for them to take their responsibilities.
Product: Mortgage

The complaint is about XXXX XXXX XXXX and its website posting an unauthorized, privacy-violating, and inappropriate picture of my home. 

I received an email on XXXX, XX/XX/2022, at XXXX XXXX  from XXXX that shows an unauthorized, privacy-violating, and inappropriate picture of my home showing an open garage, vehicle, and person. I went to their website and typed in my address and the same picture is populated. I am the homeowner and I have not established a service with XXXX to show my home. Therefore, I want them to remove all unauthorized, privacy-violating, and inappropriate pictures ( s ) of my home including but not limited to persons and vehicles. 

Coincidently, while filing this complaint, I went to zillow.com and the same picture is on its website, and now I fear for my safety. The same revealing photo of my home has been uploaded to other websites ( s ) without my consent.
Product: Credit card

I have a Macys credit card that has an XXXX XXXX portion - the account is through Citi bank. I have 1 credit card with one number. I generally pay the balance off each month. However, when my EFT payments are applied they always go to the wrong account, leaving the credit balance on one account and then the debit on the other. I get hit with late fees and interest charges which I spend hours every month on the phone trying to resolve. In XXXX I closed the XXXX portion of the account to try and resolve the issue. I still am receiving statements for a past due balance even though Citi bank actually owes me a refund when you net the two accounts. Ive been trying for months to resolve and continue to receive promises each time I call that its resolved. I continue to receive bills with past due balances, interest and late fees which is reported to the credit bureau erroneously. Im not sure what to do at this point.
Product: Checking or savings account

The Bank ( Capital One, NA ) has been using a significant low APY relative to the market rate I signed up for when I initially opened the account. According to the Bank they adjust their savings accounts structure and customers I had to proactively call them to sign up for the new structure since it was not automatically adjusted. I do not have a record of the Bank providing me with any correspondence to sign up for this newly adjusted account structure. The APY they have been using is 0.30 % compared to the market rate that has been 4 % +. I noticed this when I compared my savings account at this bank and another bank for my year end taxes.
Product: Other financial service

I find that this company, Riverwalk Debt Solution, has been fraudulently misrepresenting themselves. They are convincing people with significant loan debt that they can provide services that are not possible. They require the signing of a contract under the pretense of providing a service, and then you soon find out they are incapable or making good on their promises. They have lied to me and are now harassing me for payment for a service they have not and can not provide. I have refused to pay for a service that has not been rendered, and now they are threatening to report me to crediting agencies. They have also attempted to charge my credit card when they were not authorized to do so which I repeatedly stated to them over their official email addresses and ignored. I am filing this complaint because I believe they will try to fraudulently submit claims to crediting agencies. 

I have a formal letter providing the specific details of my interactions with them, however given the character count limit I can not include it in the description here. However, I am happy to provide this information upon further questioning to anyone interested or involved in the resolution process.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute in the beginning of the month of XXXX for items listed on my credit report that is inaccurate i have yet to hear back or receive a response, I also sent the letter certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my Experian credit score dropped 28 points. When I looked into this issue with creditwise.com and freecreditreport.com I found that the only suggested reason for the drop in my credit score was due to my XXXX XXXX credit card. 

After speaking to a XXXX XXXX representative, I found this information : In XXXX of XXXX, my credit score dropped significantly ( by approximately 28 points ). Since then, I have not missed a payment on that account. Since XX/XX/XXXX, I have made well over the minimum payment every single month, on time. My new balance is now {$160.00} ( Down from over {$8000.00} originally ). I was told that credit monitoring companies, such as Experian, sometimes make credit adjustments due to extremely old user errors ( such as missed payments ), however, because I have already had my credit go down due to this same exact error, they should not have dropped my score a second time. The XXXX XXXX representative told me that if I filed a dispute with Experian, they would call XXXX XXXX, investigate my recent payment history, and that XXXX XXXX would confirm that I was proving great reliability. 

Since my disputes ( 2 so far ), Experian has not changed my score at all nor have they provided me reasoning as to why. Their phone system does not allow me to speak to a real human to gain answers. 

XXXX and XXXX RAISED my credit score last month by 7 points. I see NO REASON why Experian could have lowered my score. Every bill I have, every card payment, ever debt I owe has been paid on time. I deserve explanation and answers.
Product: Debt collection

Dear Sir/Madam, I am writing to bring to your attention a serious discrepancy that has been identified in the reporting of a charge-off account on my consumer reports. As a diligent consumer, I have discovered conflicting information regarding SEVERAL ITEMS associated with this account, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. There are inaccuracies with - *charge off amount *Date updated amount *Date closed *delinquency date ( s ) *high balance amount How could one possibly verify the validity of such a report wit so many inaccuracies!

The FCRA mandates that consumer reporting agencies must maintain accurate and complete consumer credit information. Section 1681 of Title 15 of the United States Code explicitly states that consumer reports must present a consumer 's credit profile in a manner that is consistent across all consumer reporting agencies. However, the conflicting last payment dates provided by your agency create inconsistency and inaccuracies in my consumer report, thereby violating my rights under the FCRA.

Furthermore, this discrepancy not only constitutes a violation of federal law but also undermines my ability to assess and manage my credit profile accurately. As a consumer, I have the right to access reliable and consistent credit information, free from errors or discrepancies that could adversely impact my financial well-being.

Therefore, I am formally requesting that your agency take immediate action to rectify this violation of the FCRA by ensuring that my consumer profile is consistent across all consumer reporting agencies. Specifically, I request that the item be removed from my consumer report on all reporting agencies including the primary three, ( XXXX, XXXX, and XXXX ). Also, to include secondary and tertiary reporting agencies. 
as its inaccurate reporting has caused undue confusion and detriment to my creditworthiness. This request is made in accordance with my rights under the FCRA and other relevant consumer protection laws. 

I expect a timely response to this matter within XXXX  days and prompt removal of the credit in my consumer report. Failure to take appropriate action to address this violation of federal law may result in further legal recourse to protect my rights as a consumer.

Thank you for your attention to this urgent matter. I trust that you will act swiftly to rectify the inaccuracies and ensure compliance with the FCRA. 

Sincerely, TM
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX/2018 {$2500.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.