23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, I had applied for the paid credit card due to the miles advertised. The date for the bonus program, with a certain amount was supposed to start from when I received the card.The first card they sent was never delivered, due to which i had to request a replacement card. All this process took 20+ days from the account opening.

I spent excessively with the card, more than the required minimum for the bonus. But the company withheld the bonus claiming that the bonus was calculated from the date of account opening and I was short of XXXX  , which was a very small amount if they actually calculated the expenditure from the day I actually received the card.
Product: Debt collection

Nationwide has wrongly reported my name to the Credit Bureau on behalf of XXXX XXXX XXXX XXXX. Whenever, I called XXXX, they tell me to call Nationwide Collection Agency for details. But when I contact Nationwide, Manager XXXX XXXX stated that XXXX owned my accounts. I strongly believe that they are falsely tried to collect debts that are outdated. Nationwide recently sent charges from XX/XX/2012 and XX/XX/XXXX for {$2000.00} to XXXX. That 's Wrong! I do have Medicare.
Product: Credit reporting or other personal consumer reports

I recently checked my updated personal credit report and I noticed the unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I also previously requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And your investigation is complete, you find my allegation to be true, please remove these 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 XXXXXX/XX/XXXX
Product: Debt collection

I applied to Affirm for a loan with XXXX XXXX. There was a delay by the company which said the furniture was in stock and was not. I cancelled the order BEFORE the items were shipped due to the lengthy dely and no update by XXXX XXXX. After I canceled the order, They said the items were shipped with no confimation and I was charged Approximately XXXX for a restock fee which I do not owe. I attempted to do a charge back with Affirm but they state they can not due to XXXX XXXX policy. This is fee fraudulant and illegally placed on my credit report and needs to be removed per CFPB and FCRA/FDCPA regulations.
Product: Credit reporting or other personal consumer reports

I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX FST XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Open INQUIRIES XXXX XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX  Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX if the consumer has provided XXXX documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is an inaccurate account on my credit report. XXXX and Experian both stated that they have validated this debt, but that is absolutely a lie!! The balance being reported on my credit report is over {$20000.00}, however my statement balance with XXXX is just over {$12000.00}. I have submitted dispute after dispute after dispute to get corrected. I have even attached proof the balance being report is inaccurate, but the dispute results continue to be returned validated. 

It is against my rights based on FCRA to have inaccurate information reporting on my credit report. This inaccuracy needs to be removed immediately. 

Experian has even denied my ability to dispute this inaccuracy and will not accept another dispute. I have called and spoke with several representatives, none will assist me with thus.
Product: Credit reporting or other personal consumer reports

I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX shows incorrect date of the account being open shows on XXXX the date of being opened as XX/XX/XXXX XXXX shows open date of XX/XX/XXXX Equifax shows a date of XX/XX/XXXX High credit balance is also incorrect XXXX shows XXXX XXXX shows XXXX Equifax shows XXXX last date reported is incorrect as well showing last reported XX/XX/XXXX XXXX shows a date of XX/XX/XXXX Equifax shows a date of XX/XX/XXXX Date last active XXXX XXXX XXXX shows date of XX/XX/XXXX Equifax shows dare of XX/XX/XXXX XXXX of last payment is incorrect as well XXXX XX/XX/XXXX XXXX shows a XXXX of XX/XX/XXXX Equifax shows a date of XX/XX/XXXX I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168i ( 5 ) Can you look into this matter
Product: Credit reporting or other personal consumer reports

Re : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I am writing to formally file a complaint regarding discrepancies and inaccuracies that appear across my credit reports from XXXX, Experian, XXXX, and XXXX. I have previously attempted to update my personal information and address discrepancies across my credit reports multiple times but have received no resolution. These inaccuracies may indicate potential identity theft, and I am requesting the immediate correction and deletion of erroneous information.

Personal Information Update Request : I respectfully demand the following corrections be made to my credit reports to ensure the accuracy and privacy of my personal data : Full Legal Name : Please ensure that my full legal name appears as XXXX XXXX only. 

Address Update : Please delete all outdated and irrelevant addresses from my credit reports. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX, GA XXXX I can not receive mail or any correspondence at these outdated addresses and have no access to them. Please ensure the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my reports. 
Social Security Number & Date of Birth : For privacy and security reasons, please remove my Social Security Number and Date of Birth from being displayed on my credit report. 
Employer Information : Please delete all information listed under the " Employer '' section of my credit report.

Inconsistencies Across Credit Reports : Upon reviewing my credit reports, I have identified the following discrepancies across XXXX, Experian, and XXXX : Account Number Discrepancies : The same account number appears differently across the three bureaus. This inconsistency raises concerns about unauthorized individuals potentially altering or misusing my information.

Payment Status Inconsistencies : Discrepancies in the payment status across the bureaus suggest errors or fraudulent activity, potentially indicating transactions that I did not authorize.

Address Variations : Different addresses are listed across the credit bureaus, which suggests that unauthorized individuals may be using my information to open accounts at various locations. This raises concerns about fraudulent accounts linked to my personal data. 
Employer Information Inconsistencies : The employer information is inconsistent across the bureaus, which may indicate fraudulent attempts to link my identity to accounts I did not authorize.
Product: Credit reporting or other personal consumer reports

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 10/05/2024 PARTNERSCR - 10/31/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XX/XX/2025 Dear Wells Fargo Customer Service, I am writing to formally address the ongoing issue of identity theft and fraud that has severely impacted my life and well-being. Despite providing substantial evidence and documentation over the past two years, I am still being harassed by the process server of Wells Fargo Bank after I get home from work and taken to court ( Please see the attached document received today, XX/XX/2025 ). This situation has exacerbated my distress and health issues. I have already submitted the following credible documents to Wells Fargo multiple times : I have submitted the following credible documents to Wells Fargo : Identity Theft Report filed with the FTC ( Please see attached ) Police Report filed with my local police station ( Please see attached ) FBI Creditor Letter indicating an ongoing investigation ( Please see attached ) These documents clearly demonstrate that I am a victim of identity theft and fraud, and that the funds in question were stolen by scammers. Despite this, Wells Fargo continues to hold me responsible for the fraudulent transactions, causing undue stress and hardship.

Out of the five banks involved in this fraud, Wells Fargo is the only institution that has not ceased its harassment. This relentless pursuit has taken a significant toll on my health, and I am unable to work peacefully due to the constant pressure to repay money that I did not spend.

I urge Wells Fargo to : 1. Cease all legal actions against me immediately.

2. Acknowledge the evidence provided and recognize my status as a victim of identity theft and fraud.

3. Work with me to find a resolution that does not involve holding me accountable for the actions of the scammers.

I hope that Wells Fargo will respect U.S. consumer protection laws and take swift action to resolve this matter. I look forward to your prompt response and a resolution that allows me to move forward without further distress. 

Thank you for your attention to this urgent matter. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello My name is XXXX XXXX and US BANK closed my account with no explanation i been getting the run around regarding why the account was closed i was told wait on the letter US BANK has my money on hold so i cant withdrawal any money for bills rent nothing i received the letter on XXXX. The letter stated no reason why the account was closed it stated once all obligations has been filled in debts has been cleared or any obligation owed to us bank a cashier check will be sent out i have no obligation to us bank nor do i owe them any money i want my money released right away i have bills in rent due
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have an open case against Citibank # XXXX. Today XXXX, XXXX, XXXX I called Citi because the monthly ACH of {$70.00} which is deducted from my bank the XXXX of each month had not occurred. I was told it was and should show up tomorrow. In addition I was also informed the balance was {$620.00} a far increase from XXXX XXXX when it was {$540.00}. 

The case # XXXX was open because Citi stated the account was 169 days past due which was ludicras! The account has been closed since XXXX. I also received a message from CFPB recently that Citi is now researching and will take 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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 a open end consumer credit plan as late for k purpose.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cashapp ( Block.inc ) due to inadequate customer service and unfair practices. Which violate the consumer Financial Protection Act ( CFPA ). Specifically cash App failed to take times and effective measures to prevent and addr fraud on their platform leaving my account vulnerable and unprotected Furthermore their dispute resolution process was unfair and deceptive as did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress
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 an open end consumer credit plan as late for Purpose.
Product: Credit reporting or other personal consumer reports

I refinanced my home loan with a new company. The title company paid off the payoff amount that XXXX XXXX said was the payoff amount. This occurred in/around XX/XX/year>. In XXXX I received a late mortgage payment from XXXX ( XXXX ). I called and said I had a new loan. They were unable to verify it. I then received approximately 10 different bills from XXXX in various amounts from approx {$1000.00} to {$3600.00} dollars. I have called no less than 8 times trying to find out what is going on. My current loan company called and couldn't get info. In XXXX, XXXX apparently issued a delinquent or late payment on my credit report. Again I called and was told they would figure it out and get back to me. My current lender doesn't feel that I owe anything, but can't tell me why they are still claiming I owe money. 
I have documents to add from XXXX and from my new lender. If I owe something, why can't they tell me what is owed and allow me to verify that amount with my new lender?
Product: Credit reporting or other personal consumer reports

Transunion want remove fradulent items off my credit I sent in Dispute letters and XXXX fraud affidavit letters including Ftc report they want remove it I request for removal not dispute please remove items that listed on this FTC report including account in Hard inquiries
Product: Checking or savings account

I contacted cash app about deposits and could not talk yo a live agent, instead its via message center