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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX Credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Synchrony bank Credit cards for rooms to go, care credit, Jcpenny, marshalls. I asked for confirmation of debt with all the wet signatures. They sent me the statement which is not what I asked for. I sent the ceo my fee schedule. Reversing provisional credit {$50000.00} per occurrence, refusing a negotiable instrument {$10000.00} per occurrence {$40000.00}, closing an account without permission {>= $1,000,000} per account {>= $1,000,000} plus {$50000.00} plus {$40000.00} equals {>= $1,000,000} paid to XXXX XXXX authorized absent for XXXX FOX.This case will go for arbitration because we can check the books for the double billing I discovered trust fraud. We are not a U.S. citizen incompetent XXXX according to XXXX XXXX definition. I am a XXXXmerican State National.
Product: Credit reporting or other personal consumer reports

I purchased a home using XXXX XXXX XXXX XXXX, short time after I was put on various military orders, I turned in copies of the orders for SCRA protection, the government shut down and I was not paid in a timely manner, so I requested Hardship assistance. I turned in the documentation and they would send me a letter saying it would take 30 days to make a determination, at day XXXX they would say that my documentation I provided was not current and I would have to turn the documentation in again with up-to-date documents. I did this 4 times, during that time I was not serving in the state in which I reside and purchased my home. I submitted a copy of my marriage certificate, a copy of the Power of Attorney for my then husband to make payments on my behalf. They refused to allow him to make payments on my behalf. This made the payments further behind as I was XXXX difference in time. When I returned state-side I tried to make numerous payments, but they said that it had entered pre-foreclosure and that I would have to pay the amount in full and they would not accept partial payments. I sent the payments certified by my bank. They would then mail me a check back for each and every payment I made. I did a short sale on this property for XXXX when the balance that was owed was XXXX. The mortgage was sold to XXXX XXXX XXXX during this time, and they charged property preservation fees, property inspection fees, XXXX XXXX fees totaling, XXXX per diem interest all of which totaled a little over XXXX. When they put the property into foreclosure is when I found out that there was a medical debt lien on the property and included XXXX XXXX XXXX on the foreclosure paperwork. When I closed on the property, I was given a check for XXXX dollars as well as a 1099-C saying that some of the debt was forgiven, but I believe that this company not only violated my SCRA rights, but illegally started foreclosure, added illegal erroneous fees to make a profit, and used a debt collection attorney and lied to the court in which they filed the documentation. They stated they used the courts system to check if I was military, but yet both XXXX XXXX and XXXX XXXX, were well aware of my XXXX XXXX by me informing them with my orders to XXXX XXXX status.
Product: Student loan

ACS Education Services is refusing to provide a payoff quote for each of my XXXX loans.
Product: Mortgage

I purchased my home in XXXX thru Bank of AmericaXXXX with a XX/XX/XXXX home loan purchase. Remodified home in XXXX with XXXX. Second loan was forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to Experian on XX/XX/2018, stating the XXXX XXXX XXXX XXXX has reported an inaccurate address on my Experian credit report. The address that is on my credit report is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, it is incorrect. When I mailed the letter inquiring about this account the letter cam back undeliverable. I have requested Experian to delete the account. I sent two letters, one on XX/XX/2018, and another XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the several formal attempt to address this crucial matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and impacting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report within XXXX days after you receive this notice. I am willing to accept the deletion of these unauthorized and erroneous items instead of pursuing legal action for the violations committed.
Product: Debt collection

Synchrony bank is garnishing my wages for unpaid credit card of {$1500.00}. I have never had a synchrony bank credit card so I believe this is fraud. I called today on XX/XX/XXXX about why my paychecks are being garnished. The lady on the phone told me its for an unpaid credit card of {$1500.00}, I told the lady Ive never had a synchrony bank credit card, also told her Ive never had a credit card limit of over {$500.00} in my life before so I know this is not my credit card, but they are trying to make me pay. I just found out that theyve been garnishing my wages since XX/XX/XXXX and I had no recollection of them even doing that. Please help me resolve this matter I cant live off the f my checks now with this garnishments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX  XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the XXXX  data breach and i'm concerned it may have got into the wrong hands.
Product: Payday loan, title loan, or personal loan

HSBC Bank, USA is granting loans based on US citizenship, which, in my opinion, appears to be a violation of ECOA. 
About two months ago, I was denied a credit card, though I have good credit, because I am not a US citizen. 
Last week, I received a pre-approval letter to apply for a personal loan. 
The application again indicates, unquestionably, that only US citizens are eligible to put in applications for loans. 
I could not complete the application beyond the citizenship question. 
So this morning I called to draw their attention to the fact that, under ECOA, one could not deny. a loan to anybody because of their national origin. 
After putting me on hold to enable the customer service representative confer with her superior, she stated to me in no uncertain terms that I have to re-apply after I become a US citizen even though I drew their attention to the fact that it is forbidden to deny credit to anyone based on their national origin.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a purchase using my Comenity XXXX XXXX XXXX XXXX credit card for an amount of {$3700.00}. My balance was {$0.00} before this purchase. 
On XX/XX/XXXX, I made a payment for {$3700.00} to my Comenity account. My account on Comenity shows a {$0.00} balance. 
However, the account still shows as having that balance on my credit reports, and this is severely impacting my credit score. 
Multiple message on the Comenity account centers and phone calls have done nothing to resolve this issue which has been pending for over 3 months now.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX  XXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XX/XX/year>
Product: Debt collection

Do n't know much on that the number and person on the line was very rude and threated to tell my employer and said I will go to jail over a payday loan. Did n't give me any information what company it was from but I looked up their company name and its call Monarch Recovery
Product: Money transfer, virtual currency, or money service

3 days ago ( XX/XX/2017 ) I sent XXXX bitcoin from bittrex to gdax ( I 've done it before several times ) I received a confirmation email from gdax - coinbase as usual but this time the bitcoin have never arrived Transaction hash is : XXXX I found my transaction in the blockchain and it is completed ( spent ) but I still have n't received the bitcoin I tried to contact gdax-coinbase several times but they do n't answer
Product: Credit card or prepaid card

I was made aware of fraudulent accounts, checking, savings, debit and credit cards, that were opened and issued in my name by persons unknown to me through Bank of America around XX/XX/2022. I wasn't aware of this until XX/XX/2022 when a debit card arrived in my mail. I have never had or applied for any Bank of America accounts of any kind. I immediately contacted Bank of America to report these accounts as fraudulent due to identity theft and requested they close these accounts immediately. I had to call them back dozens of times from XX/XX/XXXX as the fraudulent accounts all remained open. My latest call was XX/XX/XXXX as I received a statement for these accounts showing them still to be open. I have filled out and sent back to B of A the fraud report as requested by them including a copy of my picture I.D . and it was received by them on XX/XX/XXXX as verified by the required signature delivery I paid for when mailing it back to them. I have repeatedly requested all accounts in my name to be closed and confirmation of this action to be sent to me and this has not happened. I have told them in virtually every conversation and correspondence that there security to prevent fraud really needs to be updated and overhauled as this never would have happened to me if they had done a better job verifying the personal information used to open these fraudulent accounts. 
At this point I am very angry and frustrated with Bank of America as they have still not sent me any confirmation that all accounts and cards in my name through their bank are closed and acknowledged as opened fraudulently through i.d.theft. 
With how I have bean treated by Bank of America having to make over a dozen calls and spending well over 8 hours total on the phone being transferred and placed on hold without a resolution to my issue, I would never even think of using Bank of America for any of my financial needs.
Product: Student loan

My lender is Earnest.com. My regular monthly statement should have been released on or about the XXXX ( XX/XX/XXXX should have been the most recent ). They have not sent it. 

I waited a few days and called in and they said it was a known issue, still no statement. 

A few days later I received an email from them saying to log in and review my statement, still nothing, so I called in the next day. They promised they were fixing the issue and the statement would be out by the end of the week ( XX/XX/XXXX ) - XXXX XXXX came and went still nothing. 

They don't have customer services on the weekends so today- Monday Morning - I called in and they now say they have no ETA on when the statement will be available. 

I have a quote from another lender to refinance this student loan. It includes a {$500.00} incentive and a lower rate. All they are waiting for is a statement from my current lender Earnest and I can not get it. 

Whatever their problem is, this is not a reasonable amount of time to wait for my monthly statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX I ordered a credit report on Experian. I was told it was free but they charged me XXXX which I didn't expect. There is not a method to contact the vendor in order to dispute the charge or to cancel the service. I tried several different phone numbers : none of them worked and the ones that seemed to want to help asked for my XXXX XXXX XXXX in an automated situation which seems dubious. I tried the following phone numbers : XXXX ; XXXX ; XXXX XXXX XXXX. 

I am going to disputed the charge with my credit card company & I filed a complaint with WA XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has report on my credit report on XX/XX/2022 and violated the arbitration dispute with XXXX XXXX XXXX that is still ongoing to the present date. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
This account should must be removed from my credit report and all reporting and contacting must STOP IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform that Transunion, XXXX  and XXXX  have violated my consumer rights and now are civilly and criminally liable for their violations on my consumer report. They have failed to notify or input a notice to dispute on my consumer report within a 30 day time frame for the accounts that i am disputing. Also, because they are reporting inaccurate information on my consumer reports and Consumer reports are suppose to be 100 % accurate across all 3 bureaus. The letters were received on XX/XX/2021 and it is now XX/XX/2021 and I have not received and correspondence for these accounts.
Product: Credit reporting or other personal consumer reports

Have have a secured credit card with Amazon. Everyone I use it they report my usage to the credit bureau XXXX and XXXX. This causes my credit score to ding because they are not reporting once a month after the billing cycle the report literally daily. They also have not reported my card on my XXXX. I did a XXXX  complaint and they advised that what they were doing is accurate they this also put a negative remark on my credit report saying that I disputed information which I did not I only ask they to report monthly and to add my Amazon credit card to my XXXX report. They did not fully read or investigate my request and I would like to speak with someone competent that can help resolve this issue because they made my credit drop XXXX points. There are also multiple people on XXXX and over the internet having this issue. I would like to resolve before reporting to the DOJ.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please remove it from my credit report
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash app ( Block, Inc. ) due t inadequate customer Service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they 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 for these violations.