23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX this year, I made a purchase with Ashley furniture. I decided to make this purchase on a new Ashley store credit card via Synchrony, partially due to the advertising promotion that I would receive a {$100.00} visa prepaid card by mail so long as I met the following conditions : purchased over {$2900.00} of more, new credit card, valid for purchases between XXXX and submitted a claim by XX/XX/23. I met all of those conditions : purchased over {$7000.00} of products, purchase date of XX/XX/23 and filed the claim on XX/XX/23. Despite submitting a claim, after waiting 1 month I received an email response saying it was invalid. No explanation. After inquiring for more detail on why I was invalid for the claim, I have been in a holding pattern for more than 7 months waiting for an update. Specifically, the email response was that it was escalated for further review and that is the ONLY explanation I have received over the last XXXX months, despite following up, calling over 3 times, and asking for more information on when it would be resolved. As of the last ask for a status, I did not even receive a response AT ALL, despite the automatically reply that they would get back to me in XXXX business days - it has been XXXX weeks. I am very frustrated with the misleading marketing materials and may have chosen to use my personal XXXX XXXX credit card for my purchase to get the points if I would have known they would not honor a promotional offer they highlighted to me when I signed up for the card!
Product: Credit reporting or other personal consumer reports

Transunion is once again failing to investigate by intentionally putting letters requesting for information they already have. This current letter is asking for address validation when the information has already been sent on multiple occasions as verified mail. This information was also confirmed to have been received on the last call that was made. This goes along with Transunions lack of care and negligence when its come to running disputes within my file they arent even confirming information thats already been sent to them and theyve recently removed files that have always been fraudulent and they had reported as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose. 
XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My girlfriend on XX/XX/2021 reached out to the website XXXX to adopt a cat. We were contacted quickly that the cat was available. We went through with the adoption and they told us the cat would be shipped to us through XXXX XXXX XXXX ( XXXX XXXX. They requested we use XXXX through my Wells Fargo checking account to send them {$1500.00} as a deposit for travel, even though the cat was supposed to cost only {$500.00}. But we completed it. The following day ( today ) we got another email requesting onwards of {$3000.00}, which confirmed any suspicions of it being a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF EDXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This account was including in my chapter XXXX bk. The payments have been made and the bk is discharged. The debt buyer will not release the lien against my property as such I cant sell, refi, or repair my home.
Product: Debt collection

Went to company website- not secure. Asked me to sign in. 

Called the company- they wanted me to provide information prior to telling me what the debt was. I told them no. Told me the line was being recorded. so repeated back to them that you won't tell me the information you have until I give you mine and this is recorded. Answer was yes. I believe the operator had a foreign accent. I told them their website was not secure and the response was we have been in business for years. We agreed to stop the call. phone # ( XXXX ) XXXX company web address was Credit Collection Services - XXXX date XX/XX/year> amount {$94.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$580.00} This is my follow-up complaint to ensure the investigation of the listed accounts.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notic I had a fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have been trying fo r 4 1/2 years  To get Experian to removed   XXXX   XXXX   off of my credit report because of FRAUD.I was very successful in disputing and getting  XXXX   XXXX , and  XXXX  to remove that bank off my reports. I feel I am being treated Extremely unfair by Experian.Because of my Extended fraud alert for 7 years, it already takes weeks to get even  1 of my credi t reports, I received my Experian report on  XXXX   XXXX , I tried again to dispute  XXXX    XXXX   on  XXXX   XXXX @ XXXX  for 36 minutes. I talk to  XXXX  in the ( FRAUD DEPARTMENT ) and she said what  XXXX    XXXX   reported on my credit report was accurate I explain and explain my side of the story first she said she would place and state that  XXXX  reported inaccurate information then she changed her mind and said it was accurate and she could n't do anything at  all.Now I do n't know what to do I am very frustrated and upset I do n't understand why I ca n't get an y help with this issue from Experian, The bottom line is Experian has refused to help.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently was hacked resulting in the leaking of nearly 150 million Americans ' credit info, including my own potentially. This is a HUGE issue, not only because of the scope of the hack but because of how deeply we rely on the credit bureaus to monitor our credit. For example, if you 're a person who wants to buy a home someday, unless you 're wealthy, you rely on the credit bureaus for your credit rating to secure a loan. Our hands are completely tied, and we are forced to work with these companies and give them our sensitive information for presumed safekeeping.
An organization with this volume of sensitive data surely would keep this data secure and encrypted, one would think. However, this is not the case. Because of the reckless irresponsibility of an organization we have no choice but to let into our lives, our lives may be changed for the worse as hackers sell or use our personal data for their own gain. There are enough things working against us already ; we do n't need another complication. But now we have to be on guard for YEARS to make sure we are n't victims of identity fraud. I 'm fortunate enough that I know how to monitor my credit, but I 'll still have to deal with any abnormalities when they crop up, and I 'll never know when that could happen. So now I have to check in on my credit every month or so for an indefinite number of years just to make sure I do n't get exploited. 

Please, do everything in your power to ensure that something like this never happens again.
Product: Debt collection

The company lending club is reporting on my credit report and I can not get a loan or any type of job and he is affecting my life my credit report is being affected very badlyMy mother get approved for a loan and I was on a cosigner and she filed for bankruptcy and I am not in bankruptcy my name is XXXX XXXX But even though that it is in bankruptcy they still have it on my credit report
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX number : XXXX Bank of America Fraud Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where XXXX XXXX called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked 7 weeks. This was not able to be recorded obviously because it was flagged as fraud. 

A wire recall was supposedly requested by Bank of America as requested by XXXX XXXX over 6 weeks ago. 

I cant get any information at all. The title insurance wont pay out because its fraud and XXXX XXXX said theyd return the funds. Bank of America won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. 

If XXXX XXXX is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. 

I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said XXXX XXXX and Bank of America aren't responding. 


Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my 11nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Product: Debt collection

I am writing to address the recent communication regarding the collection of a debt that has previously been reported as identity theft and subsequently deleted. It has come to my attention that you have sent a letter threatening to garnish my payments. 

I must assert that this debt is not valid, as it was determined to be a result of identity theft and has been deleted from my records accordingly on XX/XX/2022. Any attempt to collect on this debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer under the law. 

Furthermore, under 2C:21-17a of New Jersey state law , it is illegal to knowingly attempt to collect a debt that was incurred as a result of identity theft. This statute provides clear legal protection for consumers in situations such as mine.

I demand that you comply with the FDCPA, the Fair Credit Reporting Act ( FCRA ), and New Jersey state law by ceasing all collection activities related to this debt and confirming its deletion from your records within [ specify a reasonable timeframe, e.g., 10 business days ] of receipt of this email. 

Failure to comply with these laws, including 2C:21-17a, will result in legal action being taken against your agency. Any further communication or action from your agency regarding this debt will be scrutinized for compliance with these laws.

Please acknowledge receipt of this email and confirm your compliance with my demands within the specified timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I had made reports by phone, e-mail, and by writing letters using the U.S. Postal Service to three credit agencies explaining that the accounts on my credit report were inaccurate. The three credit agencies I reported to are as follows ; XXXX, Equifax, and XXXX. The three agencies had informed me in order for them to take further action I would need to dispute the accounts with them and the companies that reported the accounts. I completed the requests they had made. Two weeks after doing what they had asked I came to no resolution with the problem. My report remains inaccurate and more accounts have been added since then. This has been an ongoing problem for me with no resolution. I had froze my accounts numerous times and had told them about the ongoing fraudulent activity only to be ignored. Due to the outcome of the many situations, I have been unable to obtain business loans, credit that I have needed, denied housing, and have been unable to obtain employment with the U.S. government. I feel that my hands are tied at this moment and the only way id be able to resolve the issue is to obtain legal counsel being that my family and I have dealt with this problem for six years straight. Thank you
Product: Debt collection

I called the number for York County XXXX to resolve a debt listed as a judgement/lien ( Reference # XXXX ). I was just going to pay it to release the judgement as I am attempting to obtain housing but they would not accept payment because I could not remember the exact address I had at the time the debt was incurred. There has to be a way to get this taken care of quickly. Please help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds in 24 hours stating the account is accurate, without any evidence of a thorough investigation. This practice violates the Fair Act Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates reasonable investigation of disputes. Furthermore, Experian actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025 - CFPB - 0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit file. I am a victim of a data breach, and these fraudulent items do not belong to me. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report. 
Fraudulent Accounts : XXXX - XXXX - XXXX - {$00.00} XXXX - XXXX - XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - {$1700.00} XXXX - XXXX - XXXX - {$410.00} Fraudulent 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 XXXXXX/XX/XXXX
Product: Debt collection

There has been an account opened in my name as a result of identity theft. This account has been open according to XXXX Credit Report since XXXX. I have sent XXXX several dispute notices by mail. This issue has not been resolved so I contacted the actual creditor ( AFFIRM INC ). AFFIRM INC Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX I have no financial ties to this company, as I have stated this was a result of identity fraud. They have yet to send me the original contract with my signature on it, nor have I received the itemized billing associated with this account. Lastly they have yet to send me proof of ownership from this debt.
Product: Checking or savings account

Yesterday XXXX XXXX,2025 once again Bank of America online service this time had lock me out with an alert for resetting my phone when I first called I was transfer to another representative because the first one couldnt help me she was not experienced at all but I was transfer to someone who was not knowledgeable at all I had to suggest to her to share screen help my bank is saying I wont be able to access XXXX Pay for 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Lakeview Loan Servicing continues to report me let. I am not late on my payments. The admit i am not late but continue to mark my payment late even before the payment is late. It is keeping me from getting refinanced.
Product: Debt collection

Received email notice from XXXX dated XX/XX/XXXX, at XXXX XXXX  EST, stating my personal account information was transferred to Radius Global Solutions. That XXXX provided them with my personal email address, so they can communicate with me about an alleged debt. I have no contract with Radius Global Solutions. XXXX is communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). By XXXX even communicating with a third party and sharing my personal information is a violation of my privacy per the Privacy Act of XXXX. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.
Product: Student loan

I Have a loan with  discover student loa ns, when I left college to obtain a job I did not know how much the monthly payment would be, I turned out to be  XXXX  dollars like other recent grads I was astounded by the monthly amount. I asked for lower payments and they allowed me to file a payment relief but soon denied me without even sending me a letter stating why. It 's very disheartening to have over half of your monthly income taken by student loans. I am now almost 120 days late on my payment.