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

I am submitting this complaint about XXXX  credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account/ Account number XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above. I recently obtained a copy of my credit report and noticed that this account is being reported inaccurately. 
I am unaware of this debt I didnt have an opportunity to dispute this information. If you believe you gave me proper notification, then please send me the certified mail receipt with my name on it and my signature proving that I received it. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. I do not just want validation, I want verification as well. 
Additionally, I request that you cease all communication with me regarding this matter until it has been properly validated. Please note that any future communication should be conducted in writing. 
I also request that you notify the credit bureaus of this dispute and ensure that they mark the account as disputed on my credit reports. 
If you can not validate the debt, please remove it from my credit report and inform me of the action taken. Please respond to my request within 30 days from the date of this letter. Failure to comply with this request will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer on XXXX to Etoro exchange US and they acknowledged it but it did not post to my account. I opened a complaint cases XXXX, XXXX, XXXX attempting to resolve where my money was. I received responses and uploaded bank statements identifying myself and my spouse until XX/XX/XXXX and then they stopped. I then called my bank to attempt a reversal of the bank wire on XX/XX/XXXX and put in an FTC complaint on XX/XX/XXXX. Within minutes of the FTC complaint all of my cases got a response that they will send the money back. I am waiting but not confident this will happen and I want this documented in case anyone else goes through this " virtual Loan '' Etoro has had with my money in limbo as their float.
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 within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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. These are the accounts that I have marked inaccurate. None of which have the full account numbers listed in my report. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint # XXXX Equifax sent me a letter after the above information asking me to provide proof of identity. 

I included the same proof of identity with the three attachments in the first complaint. 

Equifax needs to stop playing games and remove the fraud alert from my credit report. 

For an entire year Equifax has ignored my requests when I provide proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, Recently XXXX XXXX merged with Citizens Bank. After their merger my XXXX account has been over drafted for the 1st time in 2 years even though my account was set to not overpay what I don't have in my account. So no negative balance and overdraft can happen. 

Now merged with Citizens Bank they purposely made me overdraft to collect that fee and something is fishy about the over all alignment of my deposit and what they say I had during that week and days of negative into overdraft. I tried to remedy with the bank before this point of an complaint and they dismissed me. 

Citizens Bank has been fined for doing this before : " Misappropriation of depositor funds In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) and other federal regulators levied nearly {$35.00} million in penalties against Citizens Bank " for failing to credit to customers accounts the full amount of their deposits ''. The regulators declared that, from XXXX to XXXX, " The banks actions resulted in consumers being shorted millions of dollars ''. [ XXXX ] [ XXXX ] Joint action by the CFPB, the FDIC, and the Comptroller of the Currency determined that Citizens Bank had engaged in " deceptive practices '' by " fail [ ing ] to give customers their full deposits at times when the size of the deposit didnt match the number written on deposit slips '', despite promising to correct such discrepancies, instead pocketing the difference. [ XXXX ] The bank was required to reimburse its customers for lost funds as well as pay roughly {$20.00} million in fines to the three agencies. [ XXXX ] The XXXX XXXX XXXXXXXX said that Citizens Bank 's misconduct " is appalling precisely because it is so basic '', demonstrating that " regulators like the Consumer Financial Protection Bureau are a necessary defense against a system prone to abuses ''. [ XXXX ] XXXX XXXX XXXX XXXX
Product: Checking or savings account

Timeline  of Events : - On XX/XX/2022, I attempted to log into my Chime account but discovered that it had been closed without any prior notice. Upon inquiring with Chime 's customer support, I was informed that my account was closed due to inactivity. They subsequently reopened my account ; however, to my dismay, all of my funds had disappeared. 

- On XX/XX/2022, the entire balance in my Chime account, which amounted to {$1500.00}, was removed, and my account was closed. 

- On XX/XX/2022, I received an email from Chime, encouraging me to " Open the app and make a buck. '' Intrigued by this offer, I followed the instructions and earned {$1.00}. This shows that there was recent activity in my account, and it is unreasonable for Chime to claim inactivity as the reason for the closure. 

- In the months leading up to the account closure, there were numerous deposits made into my Chime account, indicating regular activity and usage. 

Attempts to Retrieve Missing Funds : I have diligently searched for my missing funds on reputable unclaimed property websites such as XXXX XXXX XXXXXXXX, MN Unclaimed Property ( findyourunclaimedproperty.com ), and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for potential unclaimed property in California. Unfortunately, my efforts have yielded no results, and the funds remain unaccounted for. 

Challenges with Chime Customer Support : My attempts to resolve this issue directly with Chime 's customer support have been incredibly frustrating. Each interaction with their support team has been isolated, with no access to the previous chat history. Consequently, I have been provided with generic responses and have not been able to follow up on any of their answers or receive any substantial assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received any communication for a dispute, I logged a Dispute back in XX/XX/2020 for a fraudulent charge that led into a collection. 

TransUnion mishandled the dispute and did not supply any evidence in regards to it. Nor allowed me to contribute my input to the case. 
When I called TransUnion about this dispute and the filenumber provided. They said this dispute was closed. I was never provided the research report, nor does the dispute appear on my account. 

What's more, the collection agency has no record of my name in their system, never been contacted by them or the original vendor. They have no idea about the collection for me, as I do not exist in there database ; however was claimed on my credit. 

I was able to get into my TransUnion account, where I found that there are names ( XXXX name ) and numbers that do not belong to me. I have never went by anything than my birth name and have an XXXX/XXXX   heritage. Where this blows me away, that this wasn't an obvious fraud, and that you are making me file another dispute to start over ; because of the lack of handling and professionalism by TransUnion.
Product: Debt collection

This company called Resident collect or resident check, says that I owe them money for an apartmetn I never lived in. They are still on my credit report and this is a four year old debt!! The statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ). I have never paid them, and when I dispute on my credit report, they have never reportieda change as far ast speaking with themthis from XX/XX/XXXXRESIDENT COLLECT INC # XXXX XXXX FWYSUITE XXXX, TX XXXX XXXX XXXX ) XXXX for Collection : XXXX : Individual AccountAccount Type : Open AccountLoan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated : XXXX Payment Made : XXXX Amount : $ XXXX Creditor : APARTMENT XXXX XXXX XXXX ( Rental/Leasing ) Past Due : & gt ; {$1900.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX of XX/XX/XXXXRESIDENTCOLLECT INC XXXX {$1900.00} as XXXX Collection account. {$1900.00} pastdue as of XX/XX/XXXX. 
In XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX identification XXXX creditorAPARTMENT-XXXX XXXX MonthsOn record untilMay XXXX limit ororiginal amount $ XXXX balance $ XXXX payment $ XXXX payment $ XXXX of XXXX reportedXXXX/XXXXResponsibilityIndividualCommentAccount information disputed by consumer ( Meetsrequirement of the Fair Credit Reporting Act ). 
Your StatementI HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of yourdispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX 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 block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted TransUnion and XXXX about accounts verification and they have not provided me with any detailed information about any of my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting, I have submitted to the credit bureaus XXXX  and Equifax within the last two years several disputes in refrence to several accounts that were opened under my name and social. They were able to successfully remove a few items, however there were others that were still reminding on the credit report such as a two bankruptcies that were filed on my credit report. On XX/XX/2016 and XX/XX/2016 After being told that the account and items were valid, the items remained on my credit report. Preventing me from obtaining credit and being denied for several investments.
Product: Credit card

On XX/XX/year> I opened a credit builder card with Ava Finance. I was granted a {$750.00} balance and made my first payment on XX/XX/XXXX. I made two additional payments on XX/XX/year>, and XXXX XX/XX/year>. Ava Finance has not reported any of these payments. 
Their website indicates that payments will be reported to the credit bureaus within XXXX hours. My payments have not been reported in months. 
I have reached out to Ava Finance via email several times. They only have indicated that they will look into the issue and get back to me. I have not received any resolutions nor have there been any changes to my reports. 
I have also reached out to the credit bureaus who have informed me that Ava has not attempted to send any new information other than the initial opening of the account. 
My credit scores dropped XXXX points when I opened their card. Because no payments have not been reported, my scores are staying down and I am being denied credit from lenders and creditors. 
Ava charged a yearly fee of {$72.00} and is additionally charging my monthly payment. 
I would like for Ava to report all three past payments and future payments as advertised on their website. I have also filed a complaint with the XXXX  and will be seeking legal remedies if not corrected.
Product: Student loan

On XX/XX/2017, I logged into my online account with Earnest, a student loan refinancing company, for the first time approximately 2 years. In my account, I found two documents (a credit card statement and a student loan document) that belong to another individual living in XXXX, NC. This is clearly a violation of their privacy policy and it is unclear whether my documents are sitting in someone else's account. I called the company to report the privacy violation, and spoke with a customer service rep that was unfamiliar with how to handle this and said I would be contacted once the issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the morning of XX/XX/2019, I visited the TransUnion website to pull my credit score. I have never used TransUnion and do not have an account with them. I had done similar with XXXX the evening before. 

As part of the account setup process, there was a request for my credit card. I thought this was odd, and scrolled back up to see if there were any references to fees or services. I did not see any and so assumed they were seeking to have a number on file in the event that I opted for any services once my account had been setup ( XXXX offers a number of paid services from within the account ). Inside the site, I did not see any references to fees though I did see services that looked as if they would require a fee if I were to request them. At no point did receive a confirmation of requesting a services for which there would be billing nor even see a notification of price for a service. 


Under my profile tab, I noticed a number of boxes agreeing to promotional emails, which I unchecked. I also saw a box to opt into receiving text messages whenever my a request to access my credit was received, which I checked. This prompted a request to enter my cell phone number and an instruction that I would receive a code to confirm. Within moments, I received a confirmation code as well as an email. Within the text of that email was a reference to a XXXX fee and confirmation of enrollment in a monthly subscription fee of the same amount for ongoing credit monitoring. 


That email was the first reference I had seen anywhere to a service fee. To their credit, I was able to get the company to refund the money after a period of time on hold. All the same, the manner of the whole thing left me with a bad taste. Even XXXX 's buy-now buttons make it explicitly clear that you are entering into a transaction. 


TransUnion 's practices around opening accounts for credit monitoring deserve regulatory scrutiny. The company may have set it right, but even then the customer service rep noted they were granting a one time " exception '' and that it would be a number of business days before a refund could be processes for a transaction that had been process minutes before. I believe TransUnion has deliberately attempted to trick consumers into signing up -- if that term can even be accurate where there is no meeting of the minds -- for their services. This places the onus on the consumer to unwind the transaction. A shifting of the burden. Consumers should not be backed into service agreements, particularly not by a credit monitoring service from a company that profits by trafficking in their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for their failure to properly investigate and resolve disputed inquiries on my credit report. Despite my previous complaint, the following unauthorized credit inquiries remain on my report without proper verification or removal : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report and expect a thorough investigation from the credit reporting agency. TransUnion 's response was inadequate, advising me to contact the companies directly, which is their responsibility, not mine, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). These unauthorized hard inquiries are negatively impacting my credit score, violating my rights under the FCRA. I have already reached out to these companies, and they either did not respond or directed me back to TransUnion, claiming they could not locate my information in their systems. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that TransUnion conducts a comprehensive investigation into these disputed inquiries, removes the unauthorized inquiries if no verifiable permissible purpose can be provided, and provides written confirmation of the results and actions taken. Please ensure that this matter is treated with the urgency it deserves, and that TransUnion complies with their obligations under the FCRA. I expect a prompt resolution and detailed written confirmation of the outcome.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires on my credit report. I demand the following fraudulent inquires be removed from my credit report. Its a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX XXXX XXXX