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

XXXX XXXX is still reporting false information in my credit report. I reached out to the branch manager in XXXX Nc on the XX/XX/XXXX I believe it was to see what is going on. She informed me that there are no lates reporting on my credit report. However, I keep looking at my equifax and XXXX and it's now showing 90 days late with equifax and 60 days late with XXXX. on equifax it's showing late for XXXX, XXXX, and XXXX, on XXXX it's showing late for XXXX and XXXX. I reached out to the main office and they said the report at the end of the month. however, theyve been reporting to equifax on XX/XX/XXXX with false information and XX/XX/XXXX with false information on equifax and XXXX. this is preventing me from getting credit and ive already reported them to the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still showing an Account with Kohl 's which has previously been resolved. The account belonged to an ex spouse and I am not responsible. They are reporting incorrectly that I owe a balance with them. I do not owe Kohls and the balance reflected should be XXXX and removed from my credit file.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Proof is cfpb complaint ID XXXX submitted XX/XX/scrub>/2024. which was reported verified to cfpb and in also included dispute results from Experian as attachments as well,
Product: Credit card or prepaid card

NetSpend sent me a pre-paid Mastercard even though I did not apply for it ( and they state as much on the letter ). My identity was stolen several years ago and the thief attempted to take out many cards in my name. Sending me unsolicited cards is a huge security problem for me and I have gone to great lengths to freeze my credit to keep things like this from happening.
Product: Mortgage

we sent a wire transfer and it has remained in a suspense account since XX/XX/2024 to present. Meanwhile, they are sending mail indicating I need to do a short sale or deed in lieu to avoid foreclosure. 
This complaint is being filed after countless hours on the phone being transferred around and around. Then being promised a call back from a supervisor the following day to restart the circular transfers of the call. They also promise a Relationship Manager but even when an appointment is scheduled a person other than your Relationship Manager is on the appointment, not the Relationship Manager.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding a disturbing incident that occurred at one of Bank Chas 's branches, involving an attempted fraud by a bank employee. 

During my visit to the branch, a bank employee provided me with a phone number to contact customer service. To ensure accuracy, I confirmed the number twice before calling. However, upon dialing the number, the person who answered, claiming to be a Bank Chas representative, began asking suspicious and excessive personal questions, including sensitive details that seemed inappropriate for standard verification. 

Feeling uneasy, I immediately checked the phone number again and informed the bank employee about the unusual questions being asked. The employee dismissed my concerns, assuring me that such questions were part of the usual verification process and urged me to continue the call. However, as the conversation progressed, my suspicion grew stronger, prompting me to terminate the call immediately. 

When I confronted the employee, he appeared nervous and reluctantly handed me a different card with what he claimed to be the correct customer service number, alleging that I must have miswritten the number. This further heightened my concerns about possible fraudulent activity within the branch. 

Following this incident, I requested to speak with the branch manager to escalate the matter. Unfortunately, it became evident that the manager was also complicit or, at the very least, dismissive of the issue, further raising serious concerns about the integrity of the staff at this branch. 

This incident is highly alarming, as it suggests potential internal fraud or negligence that could put customers at risk of financial and personal data theft. I urge the bank to take immediate action to investigate this matter, ensure accountability, and implement stricter security measures to protect customers from similar experiences in the future. 
Since I received no support from the bank, I felt compelled to contact the Federal Trade Commission ( FTC ) to report the fraud attempt. After reviewing my case, they strongly advised me to withdraw all my funds from my account due to potential security risks. 

However, this experience has left me deeply distressed and extremely cautious about trusting any other bank. It is unsettling that such fraudulent activities could occur within a reputable institution like Bank Chas, involving its own employees. The psychological pressure and XXXX  caused by this incident have made me hesitant to engage with any banking institution, fearing similar deception. 

Given the severity of this situation, I demand an immediate investigation into the actions of the employees involved and a formal response detailing the measures being taken to address this matter. I also expect reassurance from the bank regarding its security protocols and the protection of its customers. 

I trust that the bank will take this issue seriously and respond promptly. Please confirm receipt of this complaint and provide me with an update on the next steps. 
bank address : XXXX XXXX XXXX, XXXX, Pennsylvania
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX time I open a case against Experian because they don't have my name correctly on my credit report and they also have an address there that I was never associated with. 
My name is : XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I had got my unemployment sent to chime an not three days later they closed my bank account an refused to give my money back that I had in the account ... say I was not eligible for a refund check
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED RIGHTS ALONG WITH THE HELP OF EXPERIAN. 

ON XX/XX/XXXX I CONTACTED EXPERIAN TO INVESTIGATE THE INACCURACIES ON MY CREDIT REPORT. ON XX/XX/XXXX THEY SENT ME INFORMATION SAYING THEY VERIFIED AND UPDATED INFORMATION, EVEN THOUGHT I SUPPLIED SUPPORTING DOCUMENTATION ABOUT THE IDENTITY THEFT, BUT LOOKING AT MY REPORT NOTHING WAS UPDATED. 

THEY LIED ON AN OFFICIAL DOCUMENT AND I HAVE THE EVIDENCE. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAVE VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY 15 USC 1681 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681C ( A ) 5 SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOW ITEMS OR INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 USC 1681S-2 ( A ) A PERSON SHALL NOT FURNISH ANY INFROMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE I DEMAND EXPERIAN DELETE THESE ACCOUNTS IMMEDIATELY OR I WILL HAVE TO TAKE LEGAL ACTION.
Product: Money transfer, virtual currency, or money service

Coinbase has refused to communicate, provide updates, and maintain professional courtesy with me the customer. Not to mention the out right thievery of roughly XXXX usd. 

i had a transaction, namely an ach transfer fail, and of course needed to cover the outstanding balance of XXXX asap. i quickly funded my account via debit for the amount of XXXX and much much more. as i continued to make transactions i was notified i needed to make a payment manually, so i did using etherium. upon reviewing my account, coinbase not only took my XXXX payment but proceeded to take XXXX payments themselves without my authorization a total of 3 times. so for an outstanding balance of XXXX total of XXXX was paid. 

i raised multiple support tickets, all the while continuing in good faith with the company making transactions, but after weeks of no response to my inquiry, i began to worry. i sent tickets daily, and once i finally got a response they proceeded to block any further ability for me to reach them. email being the only way available, i was receiving blocked by recipient notifications. only way i could get a message across was via support tickets which they said only made the process take more time due to the sheer number of tickets. they notified me of the consolidation of my support tickets once i threatened to reach out to law enforcement. they notified me that a specialist was taking over my account and reviewing the situation. weeks later, i find an email stating my support thread has been resolved and closed and unable to be reopened. odd.. because i have yet to receive any resolution, explanation, or restitution. 

the whole mess started XXXX/XXXX  til now with no resolution. i dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a paid collection account on my credit report for XXXX or XXXX XXXX  XXXX, a utility company. I have asked them to investigate this and they have failed to investigate this numerous times, and recently reported the same account twice on my credit report causing even more credit damage. This is unbelievable and I am beyond frustrated at there complete disregard of maintain accurate records. This XXXX   account is highly disputed and under litigation - I am currently suing XXXX XXXX   XXXX for this, and now Equifax has decided to report the same account TWICE??? 
I am adding a copy of my credit report to show Equifax reporting this same account twice. I demand a full removal of both of these tradelines.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a XXXX XXXX and XXXX XXXX. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX XXXX XXXX, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX XXXX XXXX, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate attention and should be delete asap.

XXXX/XXXX  IN THE AMOUNT OF {$4400.00}
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Credit report shows zero balance for PHH Mortgage Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by PHH that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX XX/XX/2010. Thank you.
Product: Credit card

I was charged interest on my Citibank account for the month of XXXX, even though the full balance for the previous month had been paid in full. I was told that this was a computer mistake and that the interest charge would be reversed. I called back twice to have this done and so far it has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital one on XX/XX/2020 to let them know I am out of work due to the coronavirus and unable to make payment. They place me in a deferment program until XX/XX/2020. Two days ago and today I receive an alert from my credit report stating that Capital one showed a 30 late payment or my credit report. I contacted them and was informed that the program that I was placed in was incorrect and that after today I would be placed in this new program given my previous and current situation. Capital one gave me XXXX credit for my late fee and stated that as of today I am showing 36 days late. I stated that when I called I was not late and was not made aware and clear on deferment due to virusI requested. I stated this would have prevented me from being late if entered or advised correctly. I've not been late with Capital one in years until this pandemic. I was told to contact the credit bureau directly to dispute and I did. I am awaiting response.
Product: Debt collection

I was insured by XXXX XXXX until XX/XX/XXXX. I paid all premiums, copays, and bills received and was paid in full at the time when I switched insurance carriers. I received a debt collection notice from a third party, XXXX XXXX, dated XX/XX/XXXX, claiming that I owe {$250.00} to XXXX XXXX and that I could settle the debt for {$62.00}. As I did not owe any premiums and had not even used XXXX 's services in months at the time when I concluded my insurance with them, and, as it was not mentioned to me on the phone with XXXX when I closed my account, this appears to be a fraudulent charge. I am wary of providing any further information to this company regarding this alleged debt.
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding XXXX XXXX applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXhe Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 
We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card told my son that I owed a debt. You- referes to XXXX card. You violated 15 U.S. Code1692 specify section b. When you told my son that I owed a debt. 
Our agreement is now void. Please remove from credit bureaus and eliminate the balance. 
Per 15 U.S. Code1692 the civil liability plus legal fees will exceed total amount owed. To save time and money, I recomend we settle, in the method listed above. Are you willing to work with me, or against me?