23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am paying a yearly service for premium service on the revolut XXXX Today I needed to pay some bills and my account is locked / suspended. Since my account is suspended I can not use their service to pay bills nor can I access any of my funds. Reaching for a live rep has ben imposible to do even with premium service I am paying
Product: Credit reporting, credit repair services, or other personal consumer reports

This was ran without my consent from XXXX XXXXXXXX XXXX XXXX ( rep ) sent out letters quote to ask them to remove from my profile and I've called and nothing happened still effecting my and scoring needed removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I am a victim of Identity Theft and I want you to help me delete the following items as soon as possible : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$67.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to build a house. In XXXX our mortgage company ran my credit. They questioned me about some delinquent accounts including child support and a vehicle finance company that I have never used. I then requested my free credit reports. I had to mail in my proofs of identification. I then received XXXX XXXX and XXXX reports in the mail. However I received a letter from Equifax made out to my brothers name but my address. They were requesting more identification. I then wrote a letter explaining that it had my brothers name and I mailed the letter with more proof of identification. Once again received a letter. This time addressed with my name requesting identification again. I then called Equifax at the number on the letter and they continued to tell me that they did not have my identification. I then obtained a fax number and faxed my proofs of identification with the letter again. I called the next week. They told me I needed to wait on a letter. We finally received a letter stating that I needed to send more identification and that I would have to pay for report. I called again. I was told that my brothers and my information had been merged. They assured me that it was fixed. They told me I had my own file but nothing in it. I then tried to get onto my Equifax on line and view it. Was locked out. So made numerous calls yet again to be able to log on. Finally was unlocked and I logged on. Everything that showed under my user name and account was all of my brothers personal information wth some of my accounts but mostly his. Called them again. They told me that my account was cleared and that they could not explain why all of my brothers information was showing. I then was told by my mortgage company to go to XXXX and run my credit there that I would have to pay for it but it would show if it was cleared. I made an account at XXXX and was unable to get information. I called myfico and was told that I could not get in because of issues with my Equifax. I then called Equifax again. Needless to say I still can not view myfico and Equifax is showing all of my brothers information including all of his personal information. I have been dealing with this continuously since the end of XXXX. My home has been delayed due to this and I have no idea what to do from here. I need this resolved and I am getting no where with Equifax.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I received a call from Stafford Group and Associates located in XXXX, California with the phone number XXXX. During the call, I spoke with a customer representative who informed me about an outstanding loan from XXXX. They mentioned that they had sent documents to my previous address at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I clarified that I no longer resided at that address since XXXX as I had updated my address with the post office. The representative asked me to acknowledge owing an amount of {$3000.00} without providing any written proof. I expressed that I would not confirm or deny anything without proper written evidence and not over the phone. The representative threatened legal action but did not provide me with a case or account number for reference. I offered to provide my current address for them to send the documents they claimed to have already sent, but they refused my request.
Product: Money transfer, virtual currency, or money service

I am filing a claim against cashapp ( Block , Inc. ) for unfair practices and inadequate customer service, which violate the consumer financial protection act ( CFPA ). Casapp failed to take timely and effective measures to prevent and adress fraud on their platform which left my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they dis not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E.

These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00}-
Product: Debt collection

Hello, XXXX charged me for two months of usage on an account that had been closed for two months at the time of the charge. I was NEVER notified of these charges and therefore could not resolve the issue prior to collections. As soon as I received a notice in the mail from Radius Global Solutions, I reached out to XXXX and the collector to report that this debt was not possible as my account had been closed at the time of the charges. 

I spent 7 hours on the phone with XXXX, who finally removed the charge and assumed responsibility for the error. Unfortunately, the collector has not been cooperative with dismissing this debt, even though it isn't mine. They have refused to call me back, transfer me to incorrect departments and do everything they can to avoid aiding me in removing this FALSE and FRAUDULENT charge. 

I have contacted Radius Global Solutions numerous times and nothing has been done to resolve this. It has caused my credit score to  PLUMMET and now I will be unable to purchase a home due to the ridiculously high rates I am being quoted, all directly associated with this debt and Radius Global Solutions. 


Here is the confirmation number received from XXXX after resolving this issue # XXXX
Product: Debt collection

I have contacted this company over the years and they refuse to remove this from my credit report. NCB Management Service. My credit report has a date XX/XX/2018 {$8900.00} was added. This information is false. Can you please help me remove this derogatory information?
Product: Credit reporting, credit repair services, 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/2025, I received a notice from the credit bureau stating that a debt had been reported to all credit agencies. I was never informed about this debt, nor was I provided with any information when I allegedly agreed to any testing. I have never visited their location and have never had any business with this company.
Product: Debt collection

Wells Fargo Bank is trying to take advantage me because I am XXXX. ( 1 ) They are putting false information on my credit report. They claim I own them money but state of limitation has pass to collect. ( 2 ) They have no contract with me with ink. I will like for Wells Fargo bank show me the original contract I sign. Pick one out of XX/XX/XXXX, we can meet in XXXX and I have expert look at contract to prove that not valid contract. 
This is not first time Wells Fargo Bank discriminate against people. 
On XX/XX/XXXX, Wells Fargo & Company ( Wells Fargo ) entered into a settlement agreement with the U.S. Department of Justice ( Department ). The Agreement requires Wells Fargo to compensate ( pay ) certain individuals who experienced XXXX discrimination in violation of Title III of the Americans with Disabilities Act ( ADA ) when trying to call Wells Fargo, visit one of Wells Fargo 's banks or retail stores, or otherwise access Wells Fargo 's services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. 
XXXX XXXX had charges of XXXX that was done fraudulently. 
With XXXX XXXX i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 One card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. XXXX XXXX confirmed it was fraud but someone other than me called and told XXXX XXXX the charges were accurate. In which caused them to rebill me.
Product: Checking or savings account

When I opened an account on XX/XX/2020 with Bank of there was an offer for a {$250.00} bonus if the following requirements were met : Customer must make direct deposits totaling {$1000.00} or more each calendar month for three consecutive calendar months by XX/XX/2020 to the new checking account. One or more separate direct deposits in a single calendar month that add up to {$1000.00} qualify. 

I met the requirements but the bonus has not been paid.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I set up a " XXXX XXXX for XXXX. XXXX, 2023 XXXX. XXXX, 2023 '' for {$100.00} direct deposit to XXXX XXXX. Fund was withdrawn from my business checking account on XX/XX/2023 " Square Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. On XX/XX/2023 I received an email saying my account has been " deactivated ''. " Please note that any funds that were debited will be held for a period of 60 days. If youd like to receive the funds sooner, please reach out to your bank for their funds return policy. '' It's now XX/XX/2023. I have reached out on multiple occasions after the 60 day is up to request a refund, beginning on XX/XX/2023. Square has NOT RESPONDED at all to any of my communications. I believe Square is basically stealing my money at this point.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam Recent indicate that the individuals associated with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have been granted unauthorized access to the XXXX Department of Education 's federal student aid systems. This access includes sensitive personal and financial information of millions of borrowers, included myself. 
Specifically, it has been reported the XXXX representatives have been feeding data from the Education Department into XXXX XXXX systems maintained by third parties, subjecting the data to significant security risks. 
As a borrower, i am deeply concerned that my personal information, including my Social Security number, tax identification number and financial records, has been accessed and potentially misused without my consent. This unauthorized access constitutes a gross violation of federal privacy rights and nullifies my enforceable loan agreement under federal law Legal Grounds for Discharge : 1.FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of Privacy Act of XXXX  : The mishandling and authorized disclosure of my personal information contravenes federal requirement that safeguard the privacy of individual 's data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : compliance in loans transfers.

The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loans transfers. The transfer of loans to XXXXXXXX XXXX XXXX XXXX  subsequent data breaches demonstrates clear negligence.

4. Breach of contract and Data Security obligations : By failing to protect my sensitive information, Nelnet have breached contractual terms and obligations, rending these debts unenforceable.

Demand of Resolution : Given the severity of the breach and the resulting compromise of personal and financial information, I requested that you immediately cancel and discharge my student loan debt in full. Immediate and unconditional cancellation of all financial obligation associated with my student loans. 
Complete removal of all Nelnet related entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days If my demands are not met, I reserve the right to pursue all available legal remedies from these privacy breaches and Violations of federal law. 
Your prompt attention in this matter would be greatly appreciate Thank you, XXXX XXXX
Product: Credit card or prepaid card

Around XX/XX/XXXX my cellphone wallet was lost including my ID, Bank card and possibly my Discover credit card. I was unaware that my discover credit card was in my wallet because I never use it. On XX/XX/XXXX I saw my statement with a high balance and I called Discover and reported my account had charges that I had not made. The account was closed and a new card was mailed out. I received a letter on XXXX stating that the investigation was closed. A month later I received a strange phone call from someone who said they worked at Discover and insinuating that i used the card by asking how would someone know what my credit limit was and how could they use the card and stop at my credit limit. Also caller stated he wanted a copy of my drivers license and a police report. I was on the freeway at the time and could not speak to the caller and ask to be called back later and given an email address and fax number so I could send information requested. I send a copy of requested information but the caller never called back. In XX/XX/XXXX all of the fraudulent charges were added back to my account.
Product: Credit card

On XX/XX/year>, while visiting XXXX XXXX, XXXX on a XXXX XXXX cruise, I was lured into a shop by a merchant who used high-pressure tactics to sell skincare products. I initially agreed to a purchase, but the merchant took my Wells Fargo Visa and cell phone into a back room without my permission. He then returned with an XXXX, pressured me to sign up for a discount club, and responded to a fraud alert from Wells Fargo on my behalfwithout my consent. 

Realizing something was wrong, I told him I no longer wanted the products. He claimed the power had gone out and that the transaction hadnt gone through. I left the store and immediately contacted Wells Fargo to report the situation, stating that I did not authorize the charge and did not respond to the fraud alert. 

Despite this, Wells Fargo processed the charge. I never received any product. The merchant submitted a receipt with a forged signature and referenced a no refund policy I never saw or agreed to. Wells Fargo denied my fraud claim even though the transaction was based on forgery, unauthorized access, and non-delivery of goods. I have now requested for an escalation review. 

I am requesting a full review and reversal of this fraudulent charge.
Product: Checking or savings account

I have tried disputing charges made by a merchant under XXXX  and the bank has notified the back office that I stated they are unauthorized charges but they will not provide a temporary credit unless they dont give me a answer after the 10th business day well as withdrawals that were made from XXXX  which I did not make. I also mentioned based on another claim I made about a non chase atm that I lost my card and on top of the XXXX  charges, chase doesnt want to give me a credit for the non chase atm withdrawal and the XXXX  charges. This is over XXXX XXXX dollars! I explained I have been sick and in out of hospital so I have had no access to my account. I want my money back.
Product: Credit reporting or other personal consumer reports

I have attached a copy of my consumer credit report I don't recognize accounts collections as a result of identity theft and fraud. per acct ref identity theft XXXX, XXXXXXXX DISCOVERBANK XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/year> XX/XX/year> XX/XX/year> Balance : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed once with the credit bureaus in which i received a letter saying this debt was verified. 
I then reached out to XXXX XXXX XXXX and they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either. 

i am attaching a copy of both letters. 

This account is reporting on XXXX and XXXX ( XXXX deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to Mariner Finc as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.
Product: Debt collection

Everyday for about the last 6 months I have received a phone call from the same phone number, XXXX. It appears to be from a collection agency, the number located in XXXX, CA. They never leave a message.