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

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 

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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I requested that the information on my credit report be thoroughly investigated by XXXX.Also to send a copy of my credit report and the proof of findings when completed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Original issue : XXXX XXXX XXXX sent me a bill for over $ XXXX for a simple one way ambulance trip to the local hospital. I provided the original service ( XXXX ) with my active XXXX  insurance details at the time, as well as upon receipt of the first bill. XXXX sold this to collection agency XXXX. XXXX continued to bill me directly and never attempted to collect from my insurance company, despite multiple communications from me providing the insurance information. XXXX also calls me multiple time a week, despite a request for no contact. 

Medical debt : this is medical debt which I have disputed being on my credit report with Experian. I was financially in poverty at the time and receiving government benefits. Experian quickly " investigated '' and failed to remove the account.
Product: Credit card or prepaid card

Comenity bank good XXXX rewards card. I was on a 6 month promotion with no interest however as I paid the payments the amount was applied to my new balance not my old amount first leaving a {$24.00} balance after my last payment to still charge me the interest that was on the 0 interest paid in 6 months. Im an accountant and all revivable pays are applied to the oldest balance. I called the company on XX/XX/22 to have the payment correctly charged to complete my promotion and asked for a supervisor and was hung up on by the service representative named XXXX.
Product: Credit card

On XX/XX/year>, I booked a hotel in XXXX through XXXX XXXX XXXX using my Chase Freedom Flex card. The transaction amounted to {$98.00} and was recorded under Trip ID XXXX. 

Due to a severe flight delay, I arrived in XXXX at XXXX XXXX  on XX/XX/year>. Given the significant disruption to my travel plans, I contacted XXXX customer service to inquire about canceling my hotel reservation and obtaining a refund. During this call, the customer service representative assured me that a refund was possible and initiated Case number XXXX to process my request. The representative informed me that I did not need to take any further action and that the case would be resolved within 48 hours. 

Based on this assurance, I did not check into the hotel and relied on the promise of a refund. However, after waiting beyond the promised timeframe without receiving any communication or updates, I contacted XXXX XXXX to follow up on the status of my refund request. To my frustration, I received conflicting information from XXXX XXXX representatives, contradicting the initial assurance that a refund would be processed. 

Despite multiple follow-up attempts, I have not received a satisfactory resolution or clear communication regarding the status of my refund request. The inconsistency and lack of transparency in handling this matter have caused significant inconvenience and frustration. 

I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX XXXX honors the initial assurance of a refund due to the exceptional circumstances caused by the flight delay. 

Thank you for your attention to this matter.
Product: Consumer Loan

I am writing to see if I can do anything about Cavalry Portfolio Services. In XXXX I co-signed for my son to purchase a car ; unfortunately it was repossessed the same year. I did not hear anything else about this until I tried to refinance my home in XXXX. At this time I have found out that the Title to my home has been attached by Cavalry since XXXX for the loan and the debt has been gaining interest and now I owe {$21000.00}. I was never contacted that this debt existed, and I was never served with a complaint. What can I do. I believe this is a crime.
Product: Debt collection

I am bringing to credence attention of the violation they committed under the fair debt collection practices act. Attach to this complaint you will find an Unsworn Declaration of Truth, a Cease and Desist with the demands of I, the consumer, and exhibits as proof of Credence Resource Management violations against I, the consumer.
Product: Credit reporting or other personal consumer reports

The fraudulent account is with XXXX XXXX, and inquiries were opened using my credit with XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand the removal of these fraudulent items from my XXXX, XXXX, and Experian credit reports, in accordance with my rights under the FCRA and FDCPA laws. 

Accounts Affected by the Crime : XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} EXPERIAN : Company or Organization : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2500.00} Fraudulent Information on Credit Reports I confirm that fraudulent accounts or charges appear on my credit report, including inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX Experian and XXXX credit reporting agency , block the information appearing on my credit report that is a result of identity theft and fraud within four business days of receiving this complaint. The fraudulent information includes a personal store card account opened at These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of the aforementioned accounts, collections, or inquiries, as they were not initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof that these items are the result of identity theft and fraud.
Product: Debt collection

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. 
Acctt # Our Reference Number : XXXX Original Creditor Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Creditor To Whom Debt Is Owed : Rocky Mountain Capital Current Creditor Account Number : XXXX  Total Balance Due : {$500.00}, has violated my righ

ts. 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 cons

umer 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 informations inaccurate. 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I was unlawful denied my right to credit by Avant which is a violation of the Equal Credit opportunity Act ( 12 CFR 1002 ). On XX/XX/23 I responded to the unlawful adverse action taken against me by stating my claim, with the supporting laws pertain to my consumer rights as a creditworthy applicant. That on XX/XX/23 Avant responded to my claim still denying me lawful right to credit. Ive sent a final notice to cure, to try and rectify the issue without pursuing litigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to remove these accounts I never opened or authorized them, Im a victim identity Theft : 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 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 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 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 an account without my written instructions. 

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. 

These accounts has hurt my ability to obtain credit!
Product: Debt collection

XXXX XXXX has yet to produce a invoice from the original creditor for {$670.00}. They have only been able to produce invoices from the original creditor with contradictory balances. Until XXXX XXXX is sble to submit in writing a invoice from the original creditor for {$670.00} I asked that this item be removed from my credit file. XXXX XXXX has broken several FCRA violations and one of those violations is they can not show a balance that is not owed. A balance of {$670.00} was never owed to the original lendor XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX is in violation o

f 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX with Equifax. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit reporting or other personal consumer reports

Paid eastern account system XX/XX/XXXX. They refused to update credit report saying there company policy is not to update information after collection is posted. Per XXXX different representative I spoke with. Filled dispute with XXXX XXXX XXXXXXXX. To correct balance to XXXX XXXX XXXX corrected report. XXXX keeps finding balance of XXXX $ correct.
Product: Credit reporting

I went online at XXXX ( XXXX ) to request a credit report from Trans Union. All went well until I was asked what county I lived in in XXXX. It did not have XXXX, which is correct, but contained XXXX. I indicate 'none of the above '. I was denied a Trans Union Credit Report online. Previously, I had a bad experience with identity theft/credit card fraud dating to XXXX. XXXX fraudulently filed credit application ( possibly XXXX XXXX ) used a bogus XXXX, NY address. My complaint is how can I correct misinformation, if it is used to deny my access to a credit report that provides a procedure to correct misinformation. I have pending a Trans Union Report by mail - up to 15 days turnaround. I called XXXX ( from the XXXX website ) to make the arrangement. They did not ask confirmation questions as the website. The reason I requested the report is that XXXX XXXX website indicated that there was a " hard pull '' for a report from Trans Union. So, I requested a credit report.
Product: Checking or savings account

My Citibank account has not been accessible for the last XXXX weeks. 

I have attempted to resolve the issue with Citi directly, calling their internal number ( XXXX ) XXXX ( Option XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each call I was assured that access to my account would be restored within 48 hours but access to my account has yet to be restored. 

Furthermore, since my account statements are associated with my savings account, I am unable to view any digital records pertaining to the account. The existence of the account has even been removed from the digital dashboard. I still am in possession of the ATM card, deposits made into the account from external checking accounts, and account creation emails.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX  U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX XXXX XXXX account that is closed the amount that is being reported is {$11000.00} and has several inaccuracies that is not FCRA Compliant. I have sent several letters disputing the inaccuracies and Equifax just mails the letter saying this account has been verified with no proof or any paper work. How can they verify if Equifax 's credit report has no account number listed and the account is reporting CO every month when a charge of is a dead account and can not report every month updating the date of last activity on a monthly basis. All credit bureaus should have the same information from the same creditor. The last letter I mailed to Equifax was on XXXX XXXX XXXX and they responded the account has been verified.
Product: Checking or savings account

My direct deposit was supposed to hit on Wednesday, XX/XX/XXXX of 2025 through Friday, XX/XX/XXXX of 2025 capital one bank sent an email on the XXXX stating that theyre having technical issues with distributing everybodys direct deposits and it should be resolved by Friday morning it is currently XXXX XXXX  Friday and I have still not received my direct deposit and I am being charged late fees and its not my fault!
Product: Credit card or prepaid card

XXXX. I purchased an item called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shelves, Filing Cabinet with Hanging '' using the below website link on XX/XX/XXXX and paid {$100.00} thru PayPal https XXXX XXXX? XXXX & XXXX & XXXX & XXXX & XXXX XXXX. Since I didn't receive the item, I tried to contact the merchant thru phone and email support which are given on the website. But they never responded and the phone isn't a working number XXXX. I file a dispute with PayPal on XX/XX/XXXX but they asked me to contact the credit card company. I contacted the credit card company XXXX and they in turn contacted PayPal and didn't issue the refund due to the response from PayPal below 4. PayPal saying that the payment was made thru " Friends and Family '' which is not covered by PayPal and it's against their policy. I made the payment like any other merchant payment thru PayPal and I am not aware of the way merchant setup the payment with PayPal to sell their products. More over I didn't get any option to choose the other means of the payment.

5. This shows that PayPal is allowing merchant to setup the payment method as " Friends and Family '' option to sell their products and get the money from the customer and PayPal getting their commission if any. But telling to the customer as violation and not covering the Fraud/spam transaction. First of all PayPal has to prevent any such violations with the merchant. They are allowing merchant to setup the payment method but blaming the customer when customer has no option to choose at the time of payment 6. I tried to talk with PayPal many times and ask the above question but they are not answering and refused to refund my money
Product: Debt collection

Wakefield and associates of XXXX, Colorado, has been attempting to collect a debt from me for one year. I have never received proof of the debt in writing They have called me multiple times during the day and evening. They have argued with me and have said they do not need to send paper proof of debts. The collection reported on my credit report does not match the amount they are seeking.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX XX/XX/XXXX they have since reported once again to Equifax as paid in full. ( My issue is with Equifax ). 

I have submitted multiple disputes with them which they have failed to complete. I have also been a victim of identity theft and accounts on my credit report do not belong to me. I have filed FTC reports, Police Reports, Bank accounts were opened in my name, Someone obtained employment with my information and filed tax returns. I have a letter from IRS as proof to that. 

XXXX has been PAID OFF Since XXXX ( Equifax has failed to update as paid, closed ) XXXX XXXX XXXX Account is NOT mine XXXX XXXX XXXXXXXX Account is NOT mine I am tired of the continued disputes and No action from them. I am also a " Safe at home participant '' as I have a permanent and active restraining order in XXXX XXXX for XXXX and the credit bureau refuses to honor my requests to protect those rights. I was also a victim of the XXXX & XXXX XXXX breach.