23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX {$180.00} and XXXX XXXX XXXX {$630.00} ; Collection accounts, were disputed on my Transunion Credit Report. These accounts were removed from my XXXX report and XXXX report on XX/XX/XXXXXXXX  and XX/XX/XXXX. Transunion is still showing these accounts as accurate. Transunion is violating 15 USC 1681EB.
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. 

( 1 ) XXXX XXXX XXXX Account # - XXXX has violated my rights. 

( 2 ) XXXX XXXXL XXXX Account # - XXXX has violated my rights ( 3 XXXX XXXX XXXXXXXX XXXX Account # - XXXX has violated my rights ( 4 ) XXXX XXXX Account # - XXXX has violated my rights ( 5 ) XXXX XXXX Account # - XXXX has violated my rights ( XXXX ) XXXXXXXX XXXXL XXXX XXXX Account # - XXXX has violated my rights ( 7 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 8 ) XXXX XXXX XXXX Account # - XXXX has violated my rights ( 9 ) XXXX XXXX XXXX Account # XXXX has violated my rights ( 10 ) XXXXXXXX XXXX XXXXXXXX Account # - XXXX has violated my rights ( 11 ) XXXX XXXX Account # - XXXX has violated my rights ( 12 ) XXXX XXXX Account # - XXXX has violated my rights ( 13 ) XXXX XXXX XXXX Account # - XXXX has violated my rights

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 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse items 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: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card, and was denied. I went to get my free report and was denied by Experian and XXXX. I tried to get my adverse report and Experian denied me again. The want me to mail them copies to prove my identity. I do n't want to give them my drivers licence or paystubs. My information is my information, I do n't want them to have it. This is a bad company that I do n't trust, I will not give them anything but public information. I 'm entitled to a free report by law and they already have more than enough proof of who I am. They 're using my information against me and not letting me see it. They did n't ask to see my ID before denying me why should they need it now?
Product: Mortgage

I feel that my mortgage is being dual tracked. My statement makes no mention of my forbearance plan that was approved in XXXX. I have paid both XXXX and XXXX forbearance payments on time. I received a letter warning of foreclosure tracking only the full mortgage payment being two months behind after my forbearance went into place. My statement is holding my forbearance funds as partially paid balances and not applying to my loan as current. The reason why I recognized this is all three credit agencies warned me of a negative mark. I have filed a dispute with all three agencies noting i am current on my forbearance plan that went effective mid XXXX. I have asked Freedom Mortgage in five online messages and two calls to customer service to rectify my statement. No one seems to understand the rules in customer service because all three credit bureaus note in their policies that forbearance accounts as long as terms are followed should be reported as good standing.
Product: Debt collection

My husband was the victim of an identity theft on XXXX XX/XX/XXXX in Texas with Conns Appliances. This incident was reported to Conns appliances, along with an affidavit and supporting documents. XXXX XXXX ( my husband ) eventually reported it on this website to Consumer Finance as Conns Appliances were not taking any corrective action. 



Conns Applinaces Fraud department issued a statemnet syaing this matter was closed on XXXX XX/XX/XXXX. 

Today ( XXXX XX/XX/XXXX ) Conns Appliances Collection department is now calling me to collect on this debt. I have attempted to explain the situation to the collection dept on several occasions but the calls continue despite my best efforts. 

The original complaint ID is XXXX submitted on XX/XX/XXXX to Consumer Finance .gov
Product: Debt collection

I received two letters from Steel River Systems , LLC saying I owe a debt to XXXX XXXX XXXX that they have bought. This debt they are referring to was settled with XXXX. I remember having to write all the credit bureaus to prove to them that it was settled so they could take it off my credit report. I called XXXX and they will only confirm that they have recently sold information to Steel River Systems LLC. but would not comment on my specific account. I called XXXX XXXX and informed them that their information is wrong and they insist I owe this debt to them. This debt is dated from Steel River XX/XX/2004. I wish to no longer be contacted regarding this misinformation. Their reference number is XXXX
Product: Bank account or service

Citibank is NOT fulfilling the terms of their promotion for new CitiGold clients who are also Citi Thank You credit card holders. In this promotion, Citi Thank You credit card holders were promised XXXX Thank You points for opening a new CitiGold checking account. The terms of the promotion were that, in order to receive the Thank You points, the new CitiGold clients were to do 2 online bill payments in the 2 consecutive months following the opening of the account. The Thank You points would be credited to the new account 90 days after the statement in which the terms were fulfilled. I have now spent 4 phone calls, 2 secure messages, one online chat, and two letters asking Citibank to credit my account with the XXXX Thank You points. The result of all my requests was that Citibank sent me two generic form letters of which each had precisely the same words. Citibank refused to credit my account with the XXXX Thank You points because " Unfortunately, there was not an ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' Very significantly, this statement blatantly contradicts a secure message that I received from a CitiGold Customer Service Agent. A few days after I opened the new CitiGold account, a CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that attached to my account was the promotional code for the XXXX Thank You points. Moreover, the CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that, " The bonus Thank You points will be credited by Citibank to your Thank You account 90 days from the end of the statement period in which you complete all offer requirements. '' Evidently, CitiGold 's own Customer Service Agent had _explicitly_confirmed_, _in_writing_, that the Thank You Points promotion was indeed offered in conjunction with the opening of my new account. I will be providing a copy of this secure message. Therefore, Citibank must credit my new CitiGold account with the XXXX Thank You points that were promised in their own promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX. I have always made my payments on time. Ive contacted the company about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all XXXX and Transunion credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I signed up for a Citi Bank N.A. new checking account offer. First time Citi account opener ( which I was ). Open a new checking account, and deposit {$5000.00} in new funds. Then hold the {$5000.00} in new funds for 60 days or longer, and within 90 days Citi will award a {$200.00} bonus. I deposited {$5000.00} and held it there for over 90 days, but did not receive the bonus. And, when I reached out to people at Citi to resolve, I received no help. 

I have attached screenshotted proof of my transaction history, showing the {$5000.00} going in and staying for over 90 days. Also attaching proof that I opened my account on XX/XX/20 per the email I received from Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my score and report from Equifax I have mailed and faxed everything they have asked for and they are continuing to ask me to send the same information to them I didn't have this issue a week ago I have attached my driver license to this complaint
Product: Student loan

I have a XXXX student loan. In the process of forbearance and being sold now 3 times somehow it is charging me twice for the same loan. I have sent in my original loan. I have sent in proof of this and get no where with these people. This has caused me not to be able to buy a home the last 4 years. I have sent in multiple complaints to the companies and the different bureaus. The loan then gets moved to someone else. I am so upset with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have a bbt credit card. The bright one. U went on vacation and stop and used it at several gas stations. Got back and noticed a fraudulent charge for XXXX. Reported it to XXXX XXXX. They disputed the charge and sent me a new card. They did not say they were going to close the account and open a new one. When bbt did this. It dropped my credit score significantly. I need help resolving this issue. Please contact me at  XXXX. thank you.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done. I'm really trying to move forward in life and these accounts can hinder my progress.
Product: Credit reporting or other personal consumer reports

I sent a letter certified mail to XXXX XXXX XXXX via certified mail. I have yet to get a response letter or correction of my credit report. On Experian it is listed as deleted but still appears on my report. Looking for immediate correction.
Product: Checking or savings account

Wells Fargo confirmed to me that my savings account was closed over a year ago. Yesterday ( XX/XX/19 ), I received what I'm assuming was an automated account activity summary for activity on my account from XX/XX/2019. It listed a {$0.00} beginning monthly balance ( which would be correct, had I not closed the account months ago ), with a withdrawal and later deposit, both for {$2.00}. 

I am deeply concerned that Wells Fargo is continuing their prior practice of maintaining a ghost account with my name on it, and conducting minor deposits and withdrawals for the purposes of inflating their number of active accounts. 

I have the statement that was sent to me ( the only communication I've received since closing my accounts ), and can provide that if needed.
Product: Debt collection

I have been receiving calls from so many different numbers that I can not keep up, on several occasions I have told the caller that I have no idea about this debt to which they have stated to me that they would come to my job and give me paperwork when I told them that is harassment they made horrible obscenities to me, they said you should not borrow XXXX if you can not pay for it, I asked them to please stop calling my phone and I was told that they can call me whenever they please until I pay this debt, I was harassed and actually a little afraid about it, now I see that they put this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried reaching out to the company multiple times in the last XXXX months regarding an issue with verification. The company has not responded to any of my emails or does not have any contact message available for their customers. 

Ive reached out via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2022.
Product: Checking or savings account

XX/XX/2025 my account illegally overdrawn by a credit card merchant. I had a minimum payment that was arranged to be paid to the credit lender. 

After successfully making my minimum payment for the month the merchant then went and collected an unauthorized payment of XXXX on XXXX XXXX The next day when I spoke to a representative, I was told I could file a dispute but that it would take up to ten days to process. After receiving that information I kindly asked the representative not to proceed with the dispute because it would take up to ten days to receive money I need that day of. 
After speaking with the representative I then was escalated to to someone in the management department who i also stated to, that I did not want to proceed with the dispute. 

XXXX XXXX upon checking my account I saw that the payment had been reversed. I called and spoke to a representative and a supervisor explaining the issue, and making them aware that the evidence of me verbally asking them to not submit or proceed with the dispute was on a recorded line. If the call can be reviewed, my voice clearly tells both representatives to " NOT PROCEED. 
Same day I was escalated to management department where I was again told on a recorded line that dispute would be stopped and I had nothing to worry about. Then after that call transfered another supervisor explained that the dispute has been submitted XX/XX/2025 by the same representative I am on a recorded line with asking not to proceed with the dispute. I asked management when did the bank start to go through with proceedings without first getting authorization and no clear answer could be provided to me.

I am sending this report in hope to have my account and credit union investigated for proceeding against my authorization and for also hurting my credit as the reverse from the merchant effected my credit negatively. I will be in contact with my attorney and seeing what I can do to take this matter to court as it is unfair my life and finances have been effected by this force submission and the bank refuses to correct their own mistake
Product: Bank account or service

I went to US Bank, XXXX Branch to cash a check that was drawn on that bank. The teller wrote my personal information on the back of the check as identification. I told her that she could not do this as the person who has the checking account will have my driver 's license number and could commit fraud with that information. I was told by the teller that this is the bank 's procedure to cash checks. I then have gone to XXXX other banks in town and they do not put personal information on the check being cashed.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, 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 XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a credit report entry dispute related to XXXX Complaint XXXX ( XXXX XXXX XXXX ) to Equifax by letter dated XX/XX/2020 stating that the debt collection company failed to provide, and has admitted they can not provide, the legally required " Validation '' information to support their claim. The letter incorporated CFPB example letter text, plus known federal/state law requirement criteria. All communications to and from the debt collection company were included in the information submitted to Equifax. 

As of this date, XX/XX/2020, Eqifax has never replied with a response ( 82 days ).
Product: Mortgage

We've attempted to loan modification. We've been denied. Per the lender there's a sales date of XX/XX/XXXX18.
Product: Credit reporting or other personal consumer reports

Please Remove All XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Remove All Experian Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681b, consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have never given any written consent to report these inquiries, and their presence on my report is a violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this fraud numerous times and sent in a theft affidavit with my police report. They have not yet removed this collection after receiving all information including police report, signs by a notary and a witness.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 at approximately XXXX XXXX central standard time an international wire transfer was made from an XXXX XXXX checking account in the amount of {>= $1,000,000} XXXX pesos at an exchange rate of XXXX per 1 American dollar of which no monies where received into my U.S. Capital one checking account. The funds were successfully withdrawn from the XXXX account but never deposited into the Capital One account. We are concerned that it might have reached another account or that there was a mistake in between that needs to be fixed. XXXX bank has provided proof that the withdrawal transaction was successful but no monies were actually received into the Capital One account. Both parties have declined any wrong doing or responsibility for the missing money. Capital One has requested a federal reference number which XXXX can not provide. We have confirmed that all checking account numbers, routing numbers, swift codes and names where correct at the time for the transaction.
Product: Credit reporting or other personal consumer reports

I have previously disputed this XXXX  on my credit report with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I have the letter from the court stating they do not report to XXXX  credit bureau. Therefore, your initial response verifing the item with the court was an error. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ), And the information must be deleted immediately.
Product: Credit card or prepaid card

I  XXXX    XXXX   walked inside California Check Cashing Place {$250.00} onto my card I woke up the next morning to pay for the hotel room because our ceiling was leaking and it c alled black mold so decided to go place money on to the card gave them the money left the building went back to the room for the night the next morning I woke up to pay the money for the room and there w as no funds there so me my wife and kids were left outside in the rain on the sidewalk with our clothes so I returned to the check cashing place ask them what was going on the guy asked my name he said that the lady yesterday done something that she should not have done she went inside the system after hours cancel the card without me being there my number my name and number is on file concerning this situation she left a temporary card I took the temporary card took my family out to get something to eat put something warm on there stomach went to the register and there was no funds on the card what back to the place of business they gave me the number to the distr ict manager spoke with him 2 or 3 times since then have not received my money back or any other notices it 's been nearly four month s