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

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, XXXX and TransUnion decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. PLEASE remove these unknown items from my file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; XXXX  XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance {$25000.00} ; Bankruptcy XXXX XXXXXXXXdismissed US BKPT CT FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX  Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ;
Product: Credit card

Good Morning, Im requesting your assistance in obtaining relief through the Military Lending Act ( MLA ). American Express refuses to refund me for a {$550.00} annual that I paid, stating that I am not entitled to MLA relief. Enclosures ( XXXX ) to ( XXXX ) are furnished in order to support my request. 

I applied for the American Express XXXX XXXX XXXX XXXX on or about XXXX XX/XX/XXXX and received an e-mail confirmation ( encl. ( XXXX ) ) that my application was approved. In XX/XX/XXXX, I received a monthly statement for the subject credit card ( encl. ( XXXX ) ), which included a {$550.00} annual fee. Per American Expresss MLA page ( https : //www.americanexpress.com/us/help-support/service-members-civil-relief/ ), A regular or reserve member of the Army, Navy, Marine Corps , Air Force , or Coast Guard , serving on active duty under a call or order that does not specify a period of 30 days or less, or such a member serving on Active Guard and Reserve duty as that term is defined in 10 U.S.C. 101 ( d ) ( 6 ).

Per encl. ( 3 ), I was on Active Duty for Operational Support Orders for over 30 days, from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. Additionally, I was executing this set of orders when I opened the account. At any rate, I paid the annual fee so as not to incur additional charges while communicating with American Express that I was on active duty orders. 

Since XXXX ( a few months after opening the account ), Ive been trying to explain to the card company that Im eligible for MLA relief, even providing them encl. ( XXXX ) and ( XXXX ), to validate that I was on active duty when I applied for the credit card. Nevertheless, American Express keeps rejecting my request, even though they keep thanking me for my service whenever I contact their Customer Service Department. 

In order to ensure that the error is not in my record, I contacted the Defense Enrollment Eligibility Reporting System ( DEERS ) Support Office ( XXXX ), and they confirmed that I was on orders from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, as reflected in encl. ( XXXX ). 

Please let me know if you have any questions or need additional info to resolve this matter. I look forward to your help in getting this error fixed, and my right as a servicemember restored. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX has allowed incorrect collections in my account. The reported collection is not my collection. This is the third time in 6 months that XXXX allows the same collection to be reported in my credit report. Please remove the collection immediately.
Product: Credit card or prepaid card

Hi, This is to complain an unfair treatment I received from Citibank. 

On XX/XX/XXXX, I received a US mail from Citibank with attached checks, encouraging me to make a balance transfer. On the same day I made a transfer of {$10000.00}. 

I regretted this transfer later because the interest rate is 5.99 % and I paid a {$400.00} transfer fee. Therefore I want to check with Citibank if I can get the {$400.00} transfer fee refunded. 

On XX/XX/XXXX, XXXX XXXX, I called Citibank. On a recorded line a service rep named " XXXX '' told me the transfer fee can be refunded, but I need to pay off the balance in the statement first On XX/XX/XXXX, I paid off the balance On XX/XX/XXXX, XXXX XXXX, I call Citibank again, and a service rep " XXXX '' told me the balance transfer fee is not refundable. 

Attached please find the statements of the credit card. 

I feel I am not treated ethically by Citibank. The {$400.00} transfer is simply not fair to me. As a customer Citibank does not have right to charge me {$400.00} if I borrowed {$10000.00} and return it back within 20 days. This is another trick by a mega-bank do to a regular customer like me. 

Therefore I need your help to get this straighten out. 

Thank you for your help! 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received notification from my credit monitoring that a new account was added to my profile from Mitchell D. Bluhm & Associates , LLC ( XXXX ) XXXX for unpaid medical bill for {$61.00}. I contact the number listed above to get clarification which I found out is due an auto accident I had the previous year. I informed the rep, this should have not been reported to the collection agency for two reason 1 ) I never received any documentation from them because they had an incorrect address and 2 ) I have a  personal injury attorney that is handling this matter and has instructed all parties including the hospital and medical providers treating me of the pending case. I provided the rep my attorney information and ask this be removed. He stated it will but a few days later while applying for a mortgage this negative items is still on my credit report.
Product: Credit reporting or other personal consumer reports

I called this company about fraudulent items on my credit file. I spoke with the Office of Consumer Affairs and they told me to mail a completed valid FTC and a copy of my identification and social security card along with a cover letter telling them my request. I did that and verified my documents were valid and they did not block these accounts within 4 business days per the FCRA laws. They opened up a dispute for me which did not handle my issues these are identity theft accounts. This isnt the first time this company has done this I have heard other people say the same thing so maybe a class action lawsuit needs to be brought upon them especially since so many people was impacted by their breach. I also have attached a copy to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX breach, my wife put a freeze on using either of our credit reports without our consent. We live in Texas, a community property state, where both spouses are liable for the debt of the other. Experian is the only credit rating agency that required I submit a seprate security freeze request. I tried to submit the request on their online form, but they responded saying that " they could not honor the request based on the information I entered. '' They did not say what information was at issue. The reply said I must submit all the same information requested by the form to them by mail. Name, address, SSN, prior address, date of birth, and a fee. First complaint : Why they do not allow on spouse to submit the freeze for both spouses per other agencies. Second Complaint : Not identifying the issue that prevented using the on-line freeze. Third Complaint : Requiring me to send all the information to them by postal service. 
I did not contact them by phone ( they have no email contact information ) because these policie and procedures seem to be designed to discourage consumers from requesting a freeze. In effect they have collected all my personal information and do not provide a easy process for me to protect myself from someone getting hold of that information,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Experian a followup letter regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX XXXX XXXX account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau Experian, XXXX nor the creditorXXXX XXXX XXXX  XXXX XXXX. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including Experian, XXXX and the creditor, XXXX XXXX XXXXXXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and XXXX
Product: Credit card

Citibank was charging me interest at a penalty rate when the account should never have been in penalty status. No payments had been missed. I was making payments weekly of {$200.00} which was more than the minimum due however the system would show it as late. Even still after 1 year of the penalty rate they still charged it past the time allowed per the terms. I never was notified of the penalty rate and realized the interest rate when I was checking the statement as I noticed since the card had very little use and should be at a lower principal balance because of payments being made are well above the minimum due. They have " cured '' the account now after further investigation with the interest rate and even the representatives have said they ca n't understand why it went to penalty pricing as it should not have. When I asked for a credit for the interest calculation for the error they have done I am getting no where and they are laughing at me. Also the penalty pricing was placed during a time that I reported fraud to them and requested a credit for it. They put the account in penalty APR when the fraud happened and never should have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX - XXXX  XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Money transfer, virtual currency, or money service

This complaint is about PayPal Holdings. They have not adequately safeguarded my financial information and have not effectively handled fraudulent transactions on both their XXXX and PayPal services. The transactions in question affected 2 bank accounts, 2 debit cards, and 3 credit cards ( which had to be replaced multiple times ) and totaled almost {$40000.00} being sent to XXXX, the XXXX, XXXX, and XXXX. 
I feel strongly that these incidents are not being investigated seriously and they are trying to inappropriately shift the blame to me. I feel that the fraudulent transactions need to be examined in detail by government agencies and or law enforcement or the state attorney general. 
On XX/XX/2019 I received a text message from XXXX XXXX and I learned of fraudulent transactions for foreign money transfers on the XXXX service on my XXXX XXXX credit card. I never had a XXXX account and did not know what XXXX was but when I looked it up, I learned that it was a PayPal company. Subsequent to that, on XX/XX/2019 I discovered that my PayPal account was and all my stored financial information was compromised. Rather than explain each incident, I am attaching supporting documents which tell the story. If you would like any additional information or have any questions, feel free to contact me.
Product: Mortgage

I was a few months behind on mortgage when Covid hit. After covid I offered the mortgage company full payment for behind payments with Covid payments deferred to end of the loan. They denied my offer even though CFPB indicates they should make an effort to work with Covid impacted residents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been in contact with the three major credit bureaus to remove fraudulent information. I recently applied for a rental home with a property management company called XXXX XXXX. I was denied the ability to rent due to a consumer report from Amrent. I have never heard of this company, nor did I ever give this company permission to access my personal information. When I called Amrent to dispute fraudulent information, my call was dropped. I have called multiple times since and have been unable to reach anyone. This is incredibly frustrating as I shouldn't be penalized for fraudulent activity.
Product: Credit reporting or other personal consumer reports

After obtaining my consumer report, I noticed some inaccurate information reporting on my XXXX XXXX account ( # XXXX ) by Experian. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to fair and accurate credit reporting. However, Experian is reporting two consecutive 30-day delinquencies for the months of XX/XX/year> and XX/XX/year> on my account, which is incorrect. If Experian can not provide proof of the alleged late payments, this account must be updated to " Paid as Agreed, Never Late '' ( XXXX ). I request prompt action to correct this discrepancy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating fcra and consumers rights. 
This account was closed in good standing prior to any charges that they are claiming. It's closed. Has been. If they have an account when they claim late payments occurred, it's fraudulent. They won't investigate that because I had a previous legitimate account. When I prove them wrong they change dates and re-report. They need to be looked at if it's for a subscription that I didn't order etc. All legitimate charges ever made on this account were paid on time and in full.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00}
Product: Prepaid card

I received {$250.00} in American Express prepaid gift cards from my workplace. 
Thus far, they have been rejected at nearly every single online or physical store I have tried to use them at. The only place I've gotten one to work is at a XXXX XXXX. 

I've tried contacting customer service, they claimed it was an issue on part of the business I was trying to spend it with, and that they couldn't do anything about it. 

No major retailers accept it, I can't use it with XXXX XXXX, XXXX XXXX, XXXX, etc. These gift cards should not be able to be legally marketed as widely accepted.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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: Credit reporting or other personal consumer reports

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Fifth Third mandates I pay an escrow even though Fifth Third does not pay for my homeowner 's annual insurance premium. Fifth Third has performed two new escrow analysis, first time issued a check for {$1500.00} and the second time issued a check for {$480.00}. I suggest Fifth Third use the XXXX computer program and using the XXXX program will insure correct addition, subtraction, and multiplication while performing a third new escrow analysis. See attachments, one, two, three, and four. Fifth Third states they collect a two month cushion ( {$75.00} X 2 or {$150.00} ) then add the {$900.00} annual premium, apply the past payment breakdown, and then divide by months remaining until XX/XX/2019. By using the XXXX program, and adding, subtracting, and multiplying, Fifth Third has a surplus of {$450.00} in my escrow account and needs to issue a third check.
Product: Credit reporting or other personal consumer reports

Equifax has an Account on my consumer report that is recorded twice as a duplicate, and the account has been closed for years and now chooses to report delinquent payments for XXXX  on both. ( see attached ) XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX The balances on these accounts are exactly the same as well as the opening dates. 
This is a clear cut duplicate account. 
No Permissible Purpose here, Metro 2 Non-Compliance.
Product: Credit reporting, credit repair services, 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 XXXX Account number:XXXX  Account name : XXXX/XXXX Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX/XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or 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: Debt collection

Medicredit mailed a collections notice for an alleged debt for account XXXX. Under the FDCPA, a debt validation was submitted to Medicredit within 30 days. Medicredit mailed back an unsigned account statement showing an alleged balance but provided no documentation proving responsibility for the alleged debt or any payments made by the alleged debtors insurance plan. As such, I decline Medicredits form of validation & demand that proof of responsibility be provided for this account. If Medicredit is unable to do so, then I demand this debt be closed & removed.
Product: Debt collection

I sent Validation letter via certified mail and was received by company on the XX/XX/XXXX. Im response the company could not properly validate debt. The petitioner also released PHI to this third party. They should have required a release of information and I did not sign one with the above company. Regardless, the company could not provide proper validation and only sent an itemized statement
Product: Student loan

I currently have an income based repayment plan with Fedloan servicing. This information is required to be updated annually. The organization only provides a notification via their portal and does not contact me via phone or email ( have both because they verify every time I call ). The IBR status expires and I only find out when the next payment is due. I then have to submit the paper work and request forbearance to give them time to review. This occurred in 2016 and literally took up to 4 months for them to resolve.
Product: Credit reporting or other personal consumer reports

Self Finical/LEAD XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX Number : XXXX This company is reporting inaccurate information on my credit report thats Violating my rights as a consumer. They have violated many laws based on the information they reporting on my credit report. I have reached out to the agency All XXXX credit bureau, XXXX XXXX and XXXX and I have yet to receive any type of response besides this account been violated. This account is inaccurate This company never sent me a 1099-C form for the write off of my debt but yet this Account is showing up on my report when In reality, the agency already wrote this account off on their taxes. Im requesting that this account get removed from my report immediately