23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was scammed from a fraudulent USPS website for {$68.00} on XXXX. I informed my bank ( PNC ) and they didnt offer help. I had to push a request to have my card locked as they didnt offer any solutions. During the phone call I felt as though they didnt take my concerns seriously.
Product: Credit reporting

it is the repeated fraud attempt from experian, like the XXXX reporting bad reviews online, those who was deceived with the XXXX $ credit report, i was deceived and subscribed, then i got a XXXX $ transaction on my credit card, and when i complained, i called the customer service supervisor over the phone and she promised to refund the XXXX $ but i have to email XXXXXXXXXXXX, i did and i got automated reply like the hundreds online saying they will not refund this money. this money were withdrawn without my approval, i subscribed for a XXXX $ credit report, why shall i pay XXXX $ for something like that. 
also i subscribed 12 days ago, if we removed the regular weekends and the XX/XX/XXXX vacation that will leave time less than the trial period that they talk about. due to the fact that i have to cancel the subscription only by phone, then i have to call on a bushiness day, then they didnot even leave me a chance to cancel it before they rib me off. so, even if i was aware of the charge, there were no way for me to block it, what if i was not even notified or aware or approved this XXXX $ charge. 
unjustified charge that i received. please process this refund ASAP. 
here is my Member # : XXXX
Product: Checking or savings account

I was overdrawn on my checking I paid the fee and amount when I received my Stymulus payment, Then I received my XXXX payment a few Days later, I received an Email from The Bank saying a I received a credit for the exact amount of the overdrawn amount plus the fee.They said they would inform me when they would deduct the amount. My Bank statement shows what I paid then it has the credit they so called gave me, why would they say they gave me a credit if I didn't need it Funds where already there. It's another way to take money that's not owed from me its just.an illusion but on paper. 
This is very alarming due to this Situation of this Pandemic. I am XXXX and rely on my XXXX for survival.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations.

Specifically, in a lawsuit filed against Equifax the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
Thereby request that Equifax Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX Auto Account # XXXX Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit score went down XXXX points because of these business XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, and three other unknown. I have not use these Credit cards in years so they should have closed on their own. My score need 's to be corrected. Thanks
Product: Student loan

I have student loans from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a school known to defraud students. I had high interest rates and financial trouble and filed bankruptcy in 2012. My Navient student loans should have been discharged, but were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting medical collection debts against me that violate the No Suprises Act. The debts stemming from charges that exceed the amounts permitted under the No Surprise Act. Also the credit bureau or collection agency has been unable to send me any documentation or HIPPA authorization when requested.
Product: Credit card or prepaid card

I've had an XXXX Credit Card since XXXX. XXXX 's administered the card until XXXX. The new card administrator became Comenity Capital Bank. Soon after Comenity took over, I called to redeem my XXXX points that I had on their takeover. They explained that I couldn't redeem my point for the $ XXXX/XXXX points, and that the only way to redeem them for the full rate was to offset a purchase for XXXX tickets or at XXXX stores. I have to renew my Saints season tickets by Friday, XXXX XX/XX/XXXXXXXX. I called on XXXX XXXX to let them know I was about to purchase my card and inquire about how to optimize my redemption of prior points. The agent at a call center redeem my points during my questioning for $ XXXX/XXXX points, giving me a {$300.00} statement credit. I told her that was not what I wanted. I was not read a disclaimer about the redemption. I asked to talk to a supervisor. I got a nice rep named XXXX. She didn't know how to reverse the redemption, so she asked XXXX of the other supervisors in her center. She told me she would transfer me to a higher level. I got a rep named XXXX XXXX. I explained the whole ordeal. He said he would have to go back and review my conversation with the initial rep and that he would call me by XXXX that night. All this happened on the same call into Comenity. I never got a call back, so I called back XXXX XXXX, asked for a supervior, and got a rep named XXXX. He read the notes on the account that XXXX XXXX entered. XXXX XXXX said everything was done correctly and that he'd tried to return a call to me. I had told XXXX XXXX to call my cell phone, and he did not. XXXX told me I have the credit on my account, and that's all there is to it. I got ripped off over {$300.00}, and I don't like it!
Product: Credit reporting, credit repair services, or other personal consumer reports

hello this account is invalid because the date of last payment is completely inaccurate XXXX and XXXX say it was on XXXX and XXXX says that the last payment in the account was in XXXX the fair credit reporting act established that all the accounts reported in a credit report have to be 100 % accurate and verifiable if it is not it have to be removed from my credit report EXETER FIN reported this account but the information is completely inaccurate. I have already sent letters to XXXX about this account but I did not have any type of answer from them this is a violation of my rights as a consumer, please removed this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit report the belongs to a relative NOT MINE
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Experian Dear Sir/Madam, I am writing to dispute the inaccurate and incomplete reporting on my credit report, which I obtained from your agency. After reviewing my credit report, I noticed several discrepancies in the reporting of late payments on my XXXX account. These inaccuracies are in violation of my consumer rights as outlined in XXXX XXXX XXXX. 
Account Information : Account # : XXXX Account Type : Mortgage Bureau Code : Individual Account Status : Open Monthly Payment : {$1800.00} Date Opened : XX/XX/XXXX Balance : {$270000.00} No. of Months ( terms ) : XXXX High Credit : {$280000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Discrepancies : XXXX. Late Payment Reporting : The credit report indicates late payments on my XXXX account, which are inaccurate. I have never been late on my payments. The reporting of these late payments is misleading and does not reflect my creditworthiness accurately. 
2. Incomplete Reporting : The reporting of late payments lacks detailed information such as the dates of the alleged late payments and the amounts overdue. This incomplete reporting makes it difficult for me to address and rectify the issue effectively. 
XXXX. Missing Information : The credit report fails to provide any specific comments or explanations regarding the late payments, further complicating the matter and impeding my ability to dispute these inaccuracies. 
4. If you noticed your reporting is inconsistent with XXXX and XXXX. Its being reported correctly in the other XXXX credit bureaus as on time/Pays as agreed I request that you conduct a thorough investigation into these discrepancies and promptly remove any inaccurate or incomplete information from my credit report. Additionally, I expect to receive a written response detailing the results of your investigation and any actions taken to rectify the errors within the time frame required by law. 
Please be advised that I am prepared to take further legal action if necessary to ensure that my consumer rights are protected and that my credit report accurately reflects my credit history. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are appearing on my credit report without any authorization, please review them, it is hurting me dentity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine. 

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

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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

In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX XXXX employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.
Product: Credit reporting or other personal consumer reports

I recently found out I was a victim of the Equifax Data Breach and my personal information was compromised leading to improper use of my credit report which in return caused incomplete, inaccurate fraudulent accounts and information to appear on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

From Equifax 's website, I have learned that I was a possible victim of their data breach, which was announced to me on XX/XX/XXXX. These hackers had access to my name, Social Security number, birth date, addresses and possibly my drivers license number. 

This has caused an unbelievable amount of stress for me and my potential future family. It could affect my ability to get a mortgage in the future. This should not have happened, especially when they charge money to send a credit report. They should be held accountable.
Product: Debt collection

Arcon Credit management has been reporting a fraudulently taken out over 7 years ago to my credit report. The loan is past Florida statute of limitations for reporting. I have reached out multiple times in regard to this claim and was told that they researched my claim and found I am responsible for the debt. There is no proof beyond some minor paperwork that states I owe this money to Arcon
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA 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 Bankruptcy XXXX {$0.00} ; 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: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with CB INDIGO and my goal is to maintain the relationship weve built over the past 6 months. I recently pulled my XXXX, XXXX, and XXXX credit report and discovered I have a late payment that was reported in XX/XX/XXXX and XXXX and XX/XX/XXXX for my CB INDIGO Credit Card. During that time period, I had a medical emergency due to XXXX. I mailed CB INDIGO several letters informing them of my financial hardship at the start of the XXXX  pandemic. Unfortunately, the XXXX pandemic has brought unforeseen circumstances into my life. As a direct consequence of the pandemic, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my CB INDIGO account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the XXXX  Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the XXXX  pandemic and to provide relief to individuals affected by the XXXX  pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a for bearance or modified payment arrangement, due to XXXX  hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act. 

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX Late Payment Date : XXXX and XXXX and XX/XX/XXXX 2024
Product: Payday loan, title loan, or personal loan

TMX has neglected to respond to the claim of the failure to disclose 16 CFR 433.2. Their response was carefully chosen as to not have to address the fraudulent and deceptive business practices. Therefore, this issue is not resolved and should not be considered satisfied or closed.
Product: Prepaid card

I have a {$50.00} VISA gift card issued by US Bank NA which I can not use. I contacted the website and the phone number provided on the back of the gift card ( and listed below ) several times. I was told no information was available for the card number and security code I provided. I was told to furnish a copy of my driver 's license by fax with copies of the front and back of the gift card. This impresses me as a scam. 

I also called US Bank and was informed the card could neither be verified nor serviced by US Bank. 

XXXX XXXX XXXX XXXX ( telephone ) XXXX ( fax )
Product: Prepaid card

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XX/XX/XXXX XX/XX/XXXXaccount and shows a balance. I attempt to use this on XXXX ( with a purchase that was almost {$300.00} less than the current balance ). And the transaction is declined. On top of that, it looks like I am being charged {$0.00} every time I try to charge the card with XXXX, yet the payment itself for my actual purchase does not go through. 

After looking online, it appears that many people have reported having this problem starting this past year.
Product: Credit card or prepaid card

I disputed unauthorized transactions on my credit card and Capital One refused to send me the credit balance refund on account, requesting verification of payment I made last year, which I sent them the documents. To add insult to injury Capital One decided to take back the credits for the unauthorized charges I disputed and make it look it like I owe $ 300+ now. This is absolutely ridiculous and unethical. I would like my money back or I am taking legal action. They held up my money for months and now they take back the credit for the unauthorized fraud claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Bankruptcy Reference # : XXXX DatXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I never authorized any of these accounts. These accounts hurting my credit score and I being victimized by the bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX - Date Opened XXXX/XXXX/2025
Product: Bank account or service

I accidentally chose my bank of america account to pay my credit card bill this month. I almost never use that account and there was n't enough money to cover it. Ideally, they would have rejected the payment, which they did a few years ago when I made this same error for a larger payment. 
This time, they paid it and charged me XXXX. I immediately transferred funds over to cover the difference and forgot about it for a week. I came back to look the other day but now I 'm still overdrawn because they allowed a {$1.00} recurring payment to go through and charged another XXXX and then another XXXX. So now my stupid mistake of selecting the wrong account on a mobile drop-down has cost me XXXX and is probably still being racked up because it takes 2-3 business days to get the money through ACH. 
This is a fat-finger nightmare that is indicative of why Bank of America is America 's most hated financial institution. I am lucky in that this financial hardship wo n't break me, but I know many people for whom this debacle would cause an irreparable financial tailspin. 
I do not believe that I have ever opted into an overdraft services. I do not want BOA covering payments for me BECAUSE they charge exorbitant, predatory fees for doing so.