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

On XX/XX/XXXX/2025 I took my irs check into my newly opened bank account and deposited my check into my account and the bank XXXXanager saw that the check had cleared with there machine gave me a small amount of cash and said my account would be frozen for nine days till the check cleared on XXXX 17.2025 the bank app showed my funds was available bout since the bank manager felt since I was a XXXX XXXXXXXX that I should not be entitled to that amount of money he put my account as fraud and its been frozen ever since this is from Nevada XXXX XXXX an bank manager name XXXX XXXX after the nine days he called me requesting that I have to send my taxes that u filed to him and how did I file my taxes he told me that my account wont be unfrozen until he receives all information hes asking for. Now this is a bank and if the irs sent me the check why do I have to prove to the bank? So as of today XX/XX/XXXX I received a call say there returning my funds back to irs and I have to take it up there no this was discrimination and now I dont know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a consumer report from EarlyWarningSolutions which states an account from XX/XX/2017 is reporting on my consumer report. This account remains on my report and has been stated by XXXX XXXX, assistant vice president of XXXX XXXX that this account with this account number is not a valid number or valid account with XXXX XXXX This account number XXXX therefore is incorrect and should not be on my consumer report considering the bank reporting the account confirms it is not a valid account and is not from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a false utilization of 100 % utilization use on my credit file, and has been due the last 3 to 4 months, on my Self secured visa credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a Letter and a FTC report to Equifax about some inquiries that did not belong to me. This company stated that this inquiry was removed but it is still reporting on my credit file. I have faxed this company the FTC report numerous of times. I have also reached out to the fraud department about this matter and they tell me that they will remove it and that it has been removed. they have also sent me a letter stating that the inquiry has been removed on XX/XX/XXXX XXXX yet this fraudulent information still reports on my credit file. I am very disappointed and distress. this company is breaking the law. According to the FCRA 605B this information must be blocked immediately until the investigation is over. This company failed to obey the law. I would liked this inquiry removed immediately or I will have no choice but to seek further legal action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

I wish to report that XXXX XXXX XXXX breached its contract and engaged in unfair trade practices in connection with my recent purchase of a XXXX  XXXX XXXX. I believe they knowingly misrepresented the condition and history of their vehicles, which violates numerous state and federal laws. The listing for the vehicle advertised that it was in mint condition. However, less than 200 miles, I experienced engine issues. I immediately contacted XXXX XXXX, for help, but he was unhelpful and suggested I try another mechanic. 

I took the vehicle to a XXXX XXXX XXXX where the mechanic found major engine mechanical issues. The XXXX mechanic also found damaged parts that could not have worn down so quickly after the pre-inspection, suggesting that heavy engine oil was used to mask the problem. 

Furthermore, it appears that the mileage on the buyer 's contract does not match the original listing, which may be a violation of state and federal odometer tampering laws. Moreover, multiple complaints from other customers who have experienced similar issues have been posted on XXXX reviews. 

XXXX XXXX XXXX 's deceptive actions have caused significant financial harm to me and others. Therefore, I request that this matter be thoroughly investigated, and appropriate actions be taken to hold XXXX XXXX XXXX accountable for their actions that they refrain from engaging in similar behavior in the future to prevent others from falling victim to these unethical practices.
Product: Credit card

I applied and they approved my credit card application ( Chase Credit Card XXXX ) on XX/XX/XXXX. The offer specified a XXXX bonus for the first purchase in XXXX hotels XXXX I made my first purchase at XXXX XXXX which belongs to the XXXX company. Weeks have passed and I didn't receive the bonus. I called several times and they told me I was going to receive the bonus in XXXX or XXXX business days. It has been XXXX months already since the moment I applied and I still do not receive the bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

I took time out to write a letter to Experian, XXXX, and XXXX on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit card or prepaid card

XXXX XXXX I received a letter in the mail from Synchrony Bank thanking me for my application for a WalMart credit card. The application ID was XXXX. When I called the number provided, the company asked that I provide my name and Social Security number to confirm that my identity had been compromised. This would further compromise my identity and clearly this company does not value identity protection so I chose not to provide my information. The company refused to close my application and seems committed to continue perpetrating fraudulent credit card applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a request to look at and have my credit report mailed to me. Although I was able to be take a look I wasnt able to have it mailed to me. I saw that on my report there was serveral inquiries STILL on my report after I disputed it with the cra saying they dont belong. Inquires on my report has been furnished without my consent and has no permissible purpose which is a direct violation of 15 USC 1681b ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). Remove every inquire on my report that is not connected to an account. I also noticed that a collection account has been reinserted on my report without verification nor letting me known which is a violation of the FCRA. Investigation reports must included sources of interviews of family and friends which it did not and is a violation of the FCRA. Also I was never given a chance to direct information on my credit report which is also a violation of FCRA, 15 USC 1681a ( XXXX ) ( A ) ( XXXX ). This CRA has violated my privacy by furnishing private information about me without my consent or lawful authority. With this inaccurate information on my report I have not been able to be approved for any personal loan to help my family situation. It has caused me so much stress and sleepless nights. Ive been trying to get them to understand for months with no response. It is not fair to have to go through this when it is not my fault and no one gets in trouble for it. I will not stop until they suffer for causing me and my family such pain and suffering. It is not right and I as a consumer dont deserve to be treated this way and lied to nor lied on.
Product: Mortgage

I purchased a home in XXXX of 2014 my mortgage loan is with Penny Mac. I didn't have the full 20 % down payment at the time so my mortgage needed to have PMI. I have accrued more then 20 percent equity in my home but Pennymac refuses to help me remove my PMI. The only option they offer me is to refinance my home and take out some of my equity. I do not want to refinance my home since my interest rate is low furthermore I would have to pay for closing costs. I believe that's the reason they keep pushing me to refinance my house. I get calls almost daily from Pennymac trying to convince me to refinance and when I tell them I just want to get the PMI taken out they tell me the same thing ( it cant be done ) I appreciate any help with this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX  days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Debt collection

We belong to a racing association that had a block of rooms back inXX/XX/2018. These rooms were limited so I called months prior and wanted to reserve rooms early before they were booked. When I called I spoke with someone in Sales and they faxed me a " request form ''. I faxed it back immediately and called to confirm if they had received this. I never spoke to anyone I had to leave a message. I called back numerous times and never spoke to anyone, I always left a voice mail with no return call. The day prior to the race I believe on XX/XX/2018. I called again and left a message stating I have not heard from anyone on the confirmation of my rooms and that I had to make a reservation at a different hotel as when I called the front desk for a regular reservations I was told the hotel was completely booked so I went elsewhere. The next day about XXXX XXXX as we were driving to our event, I finally received a phone call and was told my reservation was accepted. I told them I did not need the rooms as I never heard back from anyone even after weeks of trying to confirm my reservation with no success. I was told I could not cancel as it was after the XXXX XXXX cut off for cancellations. I explained my situation and I was told " to bad '' it was after XXXX XXXX  I never knew this went into collections until last month it showed up on my credit report. I have called the hotel to speak with the hotel reservation manager and have left two messages and AGAIN with no call back so far.
Product: Credit card or prepaid card

On XXXX a Balance Transfer was Initiated from XXXX ( XXXX ) to American Express ( Everyday Account ). However the Transfer to Amex was applied to an incorrect Account Number ( 8th Digit was incorrect ). I had spoken to both Companies with no luck. 
- XXXX : Claims amex had processed the Check and provided a Copy of that Check which I had Uploaded to there Document Center ( XXXX ). 

Amex was Contacted Several Times Date Ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX Amex Sent Notification I received via Email which was seen XXXX. 
A. Please be advised that your payment of {$4000.00} through check number was inadvertently applied to another card member 's account. 
B. we transferred the above-mentioned payment of {$4000.00} from the other card member 's account to your account. 
C. that the above-mentioned payment of {$4000.00} was returned on XX/XX/2020. In view of this, the debit of {$4000.00} appears on your XX/XX/2020 statement. 
D. However, if your records indicate otherwise, we request you to please send us a clear legible copy of the front and back of the cancelled check and complete and unaltered bank statement from the date of the debit to the current date. These copies will provide us with important endorsement information that we need in order to continue our research. We suggest you to that you return to your financial institution obtain a copy of front and back of the actual cancelled check ( s ) and forward a set of those copies to us. 


First, neither of these companies are willing to contact the other on the issue and instead are forcing myself to obtain information which I am have not seen or have privilege to such as each banks Accounting Ledger or in Amex Part D - " please send us a clear legible copy of the front and back of the cancelled check and complete and unaltered bank statement from the date of the debit to the current date ''. 

Amex did not send myself a Check and XXXX does not claim a check was received so it is impossible for me to obtain evidence of a Cancelled Check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've held my XXXX XXXX card account uninterruptedly since 1982, as is evidenced on the front of my current XXXX card. I've had a continuously solid payment history with XXXX for over 38 years. My XXXX card recently changed from a XXXX XXXX to a XXXX XXXX XXXX card, but my length of continuous credit with XXXX XXXX remains at 38+ years. The problem is, my current credit report lists my " Length of Credit History '' as only 14 years ( that is the length of time I've held my 2nd-oldest card, a Visa through XXXX XXXX XXXX XXXX ). This erroneously-shortened length of credit history is having a negative impact on my credit score, lowering it by several dozen points. Please correct my length of credit history to reflect all my years of solid credit with XXXX XXXX. Thank you!
Product: Credit card or prepaid card

I received a prepaid Mastercard a few months ago for a {$50.00} rebate from XXXX XXXX XXXX. The actual card is from Blackhawk Network-MyPrepaidCenter.com The card has an expiration about 2 weeks ago showing XX/XX/20 on the card. There is no way to reach anyone in customer service and there is no phone number. All I want is a refund of my {$50.00} without paying a fee. This company has a reputation of doing this to many people. It is not their money. It is mine. All one needs to do to verify this is to read the reviews for this company.
Product: Debt collection

I am working with a settlement company. I have had 4 different companies try to collect on the part of the debt that should be written off. I have also had the settlement company claim that they reached an agreement with the company but not record the payment that the settlement company should have sent them.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made a deposit on mobile deposit the money was already in my account on XX/XX/2023 but someone took the money out now is on pending and my app is saying XXXX negative XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the following accounts with erroneous information : JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Closed another complaint without addressing the issue and giving explanations that are ridiculous AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Money transfer, virtual currency, or money service

Its ridiculous how they solve a company and I will send the APR wants to go up late fees want to go up is ridiculous I dont think its fair
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report from XXXX XXXX XXXX and noticed that Bank of America was reporting information about past accounts I had with them without informing me. Pursuant to 15 USC 6802, a financial institution can not disclose nonpublic personal information to a non affiliated third party, which is who XXXX XXXX XX/XX/XXXX, unless they clearly and conspicuously disclose to the consumer either electronically or in writing that such information may be disclosed to such third party. More so, the consumer must also be given the opportunity before that information is disclosed to direct that such information not be disclosed to such third party. At no point during my relationship with Bank of America did they ever disclose to me, in writing or electronically, that they could possibly submit my information to XXXX XXXXXX/XX/XXXX. More so when my relationship ended with them, they never gave me the opportunity to tell them not to submit my information to any third parties as is my right according the Fair Credit Reporting Act, If they would have notified me and given me that opportunity, I would told them not to report my information to this third party company or any other third party.
Product: Credit reporting or other personal consumer reports

This formal complaint is against Equifax. I have disputed with Equifax a few times regarding the inaccuracy of late payments being reported on my consumer credit report. A letter was mailed to Equifax, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after Equifax 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. 

Equifax ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report. 

In accordance with the Fair Credit Reporting Act, Equifax has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose