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

I have an account at HSBC with $ 100k+ as initial deposit. They recently blocked my account access. They claimed it was related to a security concern. Today, I called and provided all relevant information and verification and they said my account would be available. Still, I have no online access to my account or my money. I had planned to transfer more money in, but now I just want my money back. HSBC is a scam.
Product: Checking or savings account

Wednesday XX/XX/2025 I woke up to a notice that my sponsorship for my daughter 's Cash App had been canceled. I assume the sponsorship was canceled because she was now XXXX XXXX XXXX XXXX and no longer required. XXXXive minutes later I received another notification that my cash app had been permanently closed I had absolutely no idea why my account would be closed so I reached out to Cash App as you can see in the images provided. They said it was for gambling and or violating of terms. When I reached out and asked for what exact terms, no one can give me an exact term as far as gambling I don't gamble. I have come to the belief that cash app close my account due to lawsuit that is pending against them. I had money in my cash app that I had to quickly move out of it Because I was afraid I would not be able to get my money out of cash app due to them, closing my account unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXXXXXX XXXX XXXX  but I wasn't late nor have I ever had a late payment in my XXXX  years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, XXXX XXXX
Product: Debt collection

I got a loan from XXXX XXXX and it put a lien against my car. I then ended up selling the car, but in Arizona the law states that nobody can sell their car with a lien on it without paying it first. 

" The auto-title/loan business applies a lien to that particular vehicle so it cant be sold until the loan is paid. When a vehicle title has a lien, it can not be transferred to a new owner. Avoid this issue by buying in advance that vehicles XXXX XXXX XXXX at an XXXX or Third Party office. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

Here 's the hyperlink to the Arizona State Lien Law. National Credit Adjusters has been told this, I showed proof of the payoff to them and XXXX XXXX  but they refuse to remove it from my credit reports. I have tried contacting them but they refuse to speak to me, only sending emails on how much I owe and something about being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has acted in bad faith and has been unjustly enriched because of coercion and undue influence. 

They have failed to provide me any valid proof of indebtedness nor proof that they sent me ANY disclosures required by federal law. 

Your company is violating federal law by knowingly furnishing false credit information without clarifying the billing error. It is impossible to be late on an extension of credit. 

I DID NOT AND DO NOT consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and my Right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v Union of India XXXX 

The consumer credit transaction included a " finance charge '' which under federal law is the sum of all charges in a " credit sale ''. 

Box 5 on their " agreement '' specifically says, " You don't have to pay the finance charge or other amounts that are more than the law allows. This provision prevails over all other parts of this contract and all other acts ". COMPLY WITH YOUR OWN AGREEMENT PROVISIONS. I want to know what law XXXX XXXX XXXX is operating under to coerce $ XXXX from me to get my property back that they stole from me when they said I don't have to pay the finance charge? 

Your company stole my property because of your omission of known facts, false and misleading representations made to me, furnishing false credit information, failure to provide me proper disclosures under the Truth In Lending Act regarding the financed sale, and collections of an extension of credit by extortionate means, constituting a pattern of racketeering activity between XXXX XXXX XXXX, XXXX XXXX, XXXX, Transunion, XXXX, and any other Consumer Reporting Agency you do business with. 

This is my explicit notice that I DO NOT want to and DO NOT AGREE TO pay the finance charge or any other amounts. 

This is my official disaffirmation of the unconsciousable contract they coerced me into. 
I do not consent to your collection of my extension of credit by extortionate means. 

This is my official notice of " rescission '' of the contract of adhesion since XXXX XXXX XXXX deprived me of the opportunity to rescind earlier with proper rescission forms. 

This is my official " opt out '' of having negative information reported to my consumer reports since XXXX XXXX XXXX deprived me of proper " opt out '' forms ''. 

Refer to attachment of XXXX XXXX response to my first CFPB complaint against them where XXXX includes a copy of the " agreement '' and refer to Box 5 of their agreement where it clearly states that provision prevails over all other parts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Work Number, from EQUIFAX, has FOR YEARS, supplied fraudulent employment information to potential employers. The employers have been scanned and are listed here : XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX., XXXX Department Stores,  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Moreover, this fraudulent information is not on my credit report. It is being secretly reported to potential employers via The Work Number From Equifax. I have never authorized this information to be provided by The Work Number. I didnt know The Work Number From Equifax was providing employment information. 

I have never worked for these employers. Review the dates of employment also. The majority of these companies are reporting 1 ( ONE ) month of employment. This is ridiculous. Remove these employers from my employment history. It is fraudulent. I have never worked for these employers. There is also a fraudulent address listed on the last page of the report : XXXX XXXX XXXX XXXX XXXX GA XXXX. Today Ive spoken with XXXX a customer service rep with The Work Number, From Equifax. She states that I must contact Equifax Office of Consumer Affairs to have the address removed. This office has removed this fraudulent address several times. I have recorded calls each time. Why is this address being rotated by Equifax? Its not on any other credit reports. Just Equifax where I have been consistently targeted by the Office of Consumer Affairs. I want these fraudulent employers, addresses and this fraudulent phone number removed from my credit report and employment history report! The fraudulent phone number listed by The Work Number From Equifax is XXXX.
Product: Debt collection

The creditor Victorias Secret has been trying to collect a debt which is not mine for approximately a year. In XXXX it appeared to have fixed the issue but again commenced in XXXX of XXXX  to collect an amount for an account I do not have. This appears to be Identity theft but Victorias Secret is not doing anything about it. They know it is not my account but continue to service it with someone who is not me. I do not have a Victoria Secret credit account. I have pleaded with them to please correct the issue and to ensure it does not affect my credit bureau reports. To no avail. I formally request the intervention of CFPB in Resolution of this out-stounding issue.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires were added to my credit report from companies I don't have an account with. 

XX/XX/XXXX - BOA - No action taken. No account was created. 
XX/XX/XXXX- XXXX XXXX No action taken. Company verified that no account was created XX/XX/XXXX- XXXX XXXX XXXX action provided by company. Verified no account was created.
Product: Debt collection

Financial aid through the hospital forgave account balances in full. Removal of owed debts are now XXXX balance. Senex Services Corporation have failed to respond to my notices regarding removal of debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion 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, Transunion 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-FPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts XX/XX/XXXXXX/XX/XXXX Opened XXXX XXXX, XXXX ( 4 yrs, 2 mos ) XXXX XXXX Opened XXXX. XXXX, XXXX ( 3 yrs, 10 mos XX/XX/XXXX Opened XXXX XXXX, XXXX ( 2 yrs, 11 mos ) XXXX XXXX Opened XXXX. XXXX, XXXX ( 2 yrs, 5 mos ) XXXX XXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 7 mos )XX/XX/XXXXOpened XX/XX/XXXX ( 8 yrs, 8 mos XX/XX/XXXXOpened XX/XX/XXXX ( 8 yrs, 8 mos )XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( 2 yrs, 1 mo ) XXXX XXXX XXXX Opened XXXX. XXXX, XXXX ( 6 mos ) XXXX XXXX XXXX XXXX. 
Opened XXXX. XXXX, XXXX ( 6 yrs, 6 mos ) Also inaccurate addresses on my report never lived there XXXX XXXX XXXX XXXXXX/XX/XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX  ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Product: Debt collection

The company name is XXXX and I tried numerous times trying to reach they're Fraud Department to inform them of a debt they are putting on my report. I filed Identity theft to get this account remove and it was remove but reappeared on my credit again. This is not legal and I want this account removed from all 3 bureaus immediately.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX. I called all XXXX, Equifax, and XXXX XXXX. In order to dispute 21 hard inquiries on my credit report. Back in XXXX XXXX XXXX. I applied for a car loan. And I asked the the dealership To only run my credit one time. And here are months later I have 21 Jard inquires. 

When I explain to the bureaus the situation. They told me that, They couldnt remove the inquiries. After I explained to them that I did not give consent to run my credit that many times.
Product: Debt collection

I have a credit account showing on my credit report from Bank of America. This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Bank of America by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my credit score, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Bank of America or the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 reporting 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.

Please remove the following items from my credit report, immediately : XXXX
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 15 USC 1681. Account name- XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Product: Debt collection

Why this happened is they were being unreasonable with interest rates and payments during XXXX it kept going up and up then they lowered it a little and not enough and I just gave up. The amount is not correct and amount on the card was all for medical/dental charges not shopping sprees and garbage. 
XXXX was charged off and reported on credit report which indicates that they wrote it off the books and took a credit on taxes so they have re-couped their funds. 
Recently, in XXXX XXXX XXXX I had requested copies of statements that I was missing for tax purposes and could no longer access due to the account being closed. I requested these by letter to their Customer Service Dept 3 times by USPS mail with the last request being on XX/XX/ I would be forced to estimate the charges. 
I received a shady looking letter from a law firm in XXXX, WA that was signed by someone, attorney at law with no attorney reg/license number. Along with the letter was sent to me statements that I did NOT ask for and NOT the ones I did ask for. 
This letter stated " XXXX XXXX IS THE CURRENT CREDITOR AND ORIGNINAL CREDITOR '' which is not true. They charged it off and sold it to how many entities is not known along with my personal information! Which is " Identity Theft ''. 
My personal bank account was recently compromised in XXXX XXXX with two transactions totaling {$650.00} with online orders at XXXX and 4 overdraft fees of {$35.00} each for which I was only reimbursed for 1 and threatened by the bank that they may not reimburse me for the fraud. I closed my account and went elsewhere and did let people know how the bank treated me. 
Now, I find out that someone is trying to serve me legal documents. They trespassed on property that clearly has large signs at the entry and half way through that says " NO TRESPASSING '' and stuck a sticky note on my landlord 's door with a message to contact them. 
My landlord is now freaked out because they ignored the " NO TRESPASSING '' sign. Their next stop may be at my employment and a phone number and my name at the bottom which does not indicate what company they are representing and suspiciously looks like the same handwriting on the address label of the envelope that the law firm sent me the erroneous statements that I DID NOT ASK FOR which proves nothing. 
I did some research on the phone number that was provided on the sticky note and did a background search on the person. If all is true, they don't have a legal standing serving legal documents and their business name " GPS SERVICES '' does not exist. 
This is all looking like a scam and identity theft to me. 
Clear violations of privacy. And I want that debt removed from my credit report since they have already been paid more than once.
Product: Mortgage

PNC Mortgage company ran our credit history report twice, the second time without our consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on several ocassions trying to access my credit report online bc there are numerous inaccuracies including one showing I have an address from NY which I have NEVER resided in NY yet Equifax continues to report it and refuses allow me access online to my credit report. 

I submitted a XXXX complaint and their response was " based on information provided when you signed up we have blocked your online access '' ... .the phone reps basically tell me to literally mail my ss cars and dl photo to some XXXX XXXX and that I can dispute stuff through the mail. Yet whenever I call their automated svc can literally verify me. 

They refuse to give me any type of online acct and it is causing issues trying to purchase a home. They refuse even tell me WHEN this information supposedly was given or what it was. The phone reps are overseas and dont help at all. 

I tried to resolved it thru the XXXX  to no avail. This is my next step. Equifax doesnt even list their legal departments address to send a motion to compel should I decide to pursue action from the courts. 

All I want is access to my ONLINE account. The fact Equifax is not allowing it and will literally only mail me a credit report is nothing short of a power and control move by them. The other 2 reporting agencies have no issues and their information matches each other yet Equifax has wrong addresses, old accounts and even duplicate accounts and refuses to allow me online to address it.
Product: Checking or savings account

I have banked with Regions Bank for XXXX  years. I lived in XXXX and moved to XXXX, Alabama. No one knew me at the XXXX XXXX XXXX in XXXX. I applied for a NOW card to load cash on. After i received the card they wanted a copy of my apartment lease. They called twice. I am XXXX. I took the lease to them. The young lady did not not know what to do with it. I could not understand why they needed this nor would they tell me why. Then they closed my checking account and sent me a checkThey claimed they closed it in XX/XX/XXXX. Not so. Transactions were still being processed. In XXXX they closed my account. My Social Security check direct deposited was not in my account. I went to the branch. That's when they said they sent me a letter with a check. I have a mailbox at the XXXX XXXX. All mail goes there. Regions had my physical address. Did they think i was a homeless person? Why ask for a copy of my lease? I receved money from covid relief based on hardship. I cashed the check at my credit union XXXX XXXX XXXX XXXX I put some cash in regions. Did they think i was a drug dealer? Depositing XXXX usds? I was told by XXXX to go to another branch. I did. The XXXX XXXX, Alabama Branch.They found the so called check for XXXX usds had not been cashed. They issued me another check. The XXXX XXXX XXXX never even offered to look into it. I went to the Social Security Office to trace where my monthly social security funds were. The Government representative traced it. The funds were still with Regions! I took the tracing number to them. They did not want to see it. I told them that they still had my funds based on what a Federal Agency said. They did not reply. Meanwhile, I had to call creditors that i had on autodraft and explain the problem. My credit score I'm sure went down. I am XXXX and XXXX since XXXX from the Federal Government. XXXX  years banking with them. I have never experienced this in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX and made them aware of an inquiry on my credit report that I did not authorize and is a result of fraud. The inquiry and date is XXXX XXXX on XX/XX/XXXX. I have an active fraud alert on my consumer report with XXXX  and I extended it for another 90 days in attempt to prevent any further fraudulent activity. Equifax also has a copy of a police report on file from the related incident.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXXXX/XX/MARCH2019 - 30 DAYS .... 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX