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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

On XX/XX/2022, I XXXX XXXX went to XXXXXXXX XXXX XXXX XXXX to open a savings & checking account. I was told the requirements to open an account was {$500.00} minimum deposit. I told the banking representative that I had just moved to XXXX, IL and I was having my employer direct deposit my work pay into another bank account and that I did not have the complete {$500.00} at the time of opening the bank account with XXXXXXXX XXXX XXXXXXXX XXXX. The banking representative told me that it would fine and that all I need to do is present a check from the other bank for {$500.00} and by the time the XXXX XXXX XXXXXXXX XXXX completes opening my account ( some days ) it will give my direct deposit enough time to clear in my other bank. However that is not what XXXX XXXX XXXX  XXXX did, instead they took my check and tried to cash it that same day. When my other bank got the notification for the check they called me and I had to call XXXXXXXX XXXX XXXX XXXXXXXX and ask them why they did that when they specifically told me they would not be trying to cash this check until some days have passed while they are doing their review. After speaking to the XXXXXXXX XXXX XXXX XXXXXXXX banker who opened my account I decided that I no longer wanted to continue opening an account with XXXXXXXX XXXX XXXX XXXXXXXX and I told the banker and also asked her to cancel my application with them. She apologized and told me that they can fix the situation but I said no its fine I do not want an account with them anymore especially if they were not complete honest in telling me how their opening account procedures worked. After telling the banker at XXXX XXXX XXXX  XXXX to close my account and any other files they have on me the banker told me she will do that. However some months later I found out that XXXXXXXX XXXX XXXX XXXXXXXX had put a notification on my name in Chexsystems stating that I had committed bank fraud. I called XXXXXXXX XXXX XXXX XXXXXXXX to get an understanding of why they did this and no one has yet to call me back. Since that day XXXXXXXX XXXX XXXX  XXXX has also placed multiple inquires on my Chexsystems profile. I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX get charged, some cheap cigars shops in XXXX I never been and pay anything there, when I reported {$290.00} wasnt my charge, I dont pay my bill because they refunded back, after two months I get changed again with The same company, I call again and reported fraud, Credit card company did nothing about, i and up paying XXXX $ with late payment and interest charge. This was XX/XX/XXXX. 
I had another problem with discovery card in XXXX I get charged {$3000.00}. XXXX some modeling agencies in XXXX, I reported it was going on back and forth more than year, I get so tired with this, credit card company offered to pay $ 50 monthly no interest charge so I pay off {$3000.00}. With was not my responsibility. I pay both cards and they did affect my credit score can you please help me clear up my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

First problem : Experian requested documents verifying my first and last name by US Mail. I responded by sending a cover letter asking Experian to remove the suffix " 3 '' from my name, W2 's from both of my current employers, a photo copy of my current driver 's license ( front/back ), and a copy of 2 current utility invoices ( residential gas bill and residential light bill ). Experian is refusing to respond and has not updated my information in my credit file. There is no suffix of " 3 '' at the end of my last name and there never was. I have been trying to correct this issue since 2020. My first name is XXXX and my last name is XXXX. Second problem : I am also having an issue activating and deactivating my credit freeze per diem. Experian has not fixed this issue. I am not able to sign in online into my Experian profile. I called customer care and can never speak to a representative.
Product: Credit card or prepaid card

Back in XXXX, I submitted a request to close my account with Netspend online, which is their requirement. Recently, I received a notice that my statement was available. I no longer have a card with this merchant. I logged into my account online and noticed that the account was still open and has overdraft and debit fees on this account. I have attempted 4x to contact this merchant regarding this account being closed and removing the fees. Each attempt was met with the response of you cant verify your card number or remember your last deposit so we cant assist you. I havent had a card with these people since XXXX and I have not made a deposit since then. They have since removed my access to their website so I am unable to verify the last deposit amount in order to resolve this issue. I have confirmed with them that a deposit is transferred to my savings in the amount of {$25.00} every time a deposit is made in my account. With all of this, they have yet to assist me with this issue. I am currently on hold with no acknowledgement from their customer service department and have been on hold for 2 hours! I just want my account closed and these fees removed! I was a member with this card since 2009 and this has been the most impossible situation to deal with!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EQUIFAX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with XXXX and EFX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with XXXX or Equifax about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus XXXX AND EQUIFAX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account XXXX # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Bankruptcy reference number XXXX Hard inquires XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX 15 u.s.c 1681 section 602 A. States I have a right to privacy.

15 u.s.c 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/year> I sent them {$2700.00}, I zelled {$1900.00} to this company called XXXX XXXX as a security deposit for funding of {$300000.00} and on On XX/XX/year> I sent them {$2700.00} to receive funding for for {$200000.00} They told me once everything was closed, I would receive the money back at closing. It was just a security hold. They received a total of {$4600.00}. 

I contacted Zelle on XX/XX/year>, because this is a scam and I haven't heard from any of the people who I sent this money to. The people did end up contacting me but ended up being a scam. I can't reach them. They need to return the {$4600.00} that they stole. I disputed it with Zelle, but Zelle said something about they couldn't get it back because they used another bank. I need Zelle to get this money back and return it to me.
Product: Checking or savings account

I have a Capital One Business Checking account. A deposit was deposited to the account on XX/XX/XXXX. Later in the day when I try to use my card for payment, it was denied. I looked on the website and saw that I had no access to the checking account. It states that they are having a problem with Business Checking accounts and is working on the problem. I called the customer service and she assured me that the problem would be fixed within 24 hours. It has been 24 hours and I still have no access to my checking account and my automatic payments have been denied.
Product: Debt collection

To Whom It May Concern : I am filing this complaint against Midland Credit Management for reporting an account on my credit report that does not belong to me. The account in question states that I owe {$1000.00}, which is incorrect. 

Since XX/XX/year>, I have sent more than six dispute letters to Midland Credit Management, providing evidence that the account is not mine. Despite my repeated attempts to resolve this issue, they have failed to remove the inaccurate account from my credit report, causing significant harm to my credit profile and financial well-being. 

Details of the Complaint : Account Number XXXX Disputed Amount : {$1000.00} Credit Bureaus Affected : XXXX, XXXX, XXXX Attempts to Resolve : XXXX. I first sent a dispute letter on XX/XX/year> XXXX. Follow-up letters were sent on XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. Despite these efforts, the account remains on my credit report. 

Resolution Sought : I request that the CFPB investigate this matter and compel Midland Credit Management to : 1. Immediately remove the inaccurate account from my credit report.

2. Cease all collection activities related to this account.

3. Provide written confirmation that the account has been removed and that no further collection actions will be taken. 

Thank you for your prompt attention to this matter. Please feel free to contact me for additional information if needed. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against IC SYSTEM for reporting an unverified collection account on my credit report. I was never notified of this alleged debt, and I do not believe it is accurate. Furthermore, XXXX XXXX is not registered to transact business in the state of XXXX, raising doubts about its legal ability to collect or report debts. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of this debt, but IC SYSTEM has failed to provide : An explanation of the alleged account balance. A complete payment history and audit trail proving the amount is accurate. Documentation showing I agreed to this debt and authorized its reporting. Proof of legal authority to collect in my state, including their state license. A master bill of sale, purchase agreement, and chain of custody for the debt. Additionally, IC SYSTEM has violated the FDCPA and the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information, failing to validate the debt, and engaging in deceptive practices that harm my reputation. I demand immediate removal of this account from my credit report. If the account is not removed or properly validated within 15 days, I will pursue litigation for damages of {$1000.00} per violation, as allowed under 15 U.S. Code 1692k. I have also submitted this complaint to my State Attorney General 's Office and the XXXX XXXX XXXX for further action.
Product: Money transfer, virtual currency, or money service

On XX/XX/2025 I authorized western union to withdraw XXXX XXXX Canadian dollars from my XXXX bank account using my debit card for an international transfer. There were complications concerning the transfer so I contacted western union for a full refund on XX/XX/2025. The agent I spoke to said the refund will be made anywhere from 0-7 business days. I waited 7 business days and still did not receive my refund. I contacted western union through the chat platform in their app several time to ask where my refund was? The agent did some verification and said the refund process was initiated on XX/XX/2025 and will take 0-7 business days for a refund. Once again I waited 7 business days and still no refund. We are now XX/XX/2025 and still no refund. They told me to contact my bank and to give them an ARM number. I contacted my bank, gave them the ARM number and they said they did not receive any communication from western union. Western union sent me an email requesting additional information, such as name of my bank, account number and the name of whom the account belongs too. I complied and sent them the information they requested. I then received another email from western union requesting a statement of my account from XX/XX/2025 to XX/XX/2025, that is not something I will give them, it is private. It would be greatly appreciated if you can help me get a refund please. Thank you. 
I attached a photo of an email they sent me The MTCN is the reference number of my file
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was released to the public in the Equifax data breach years ago which caused someone to open up a lot of unauthorized accounts. I submitted all of my proper paperwork to the credit bureaus a year ago but the willfully ignored my disputes and continued to report and furnish these fraudulent accounts on my credit report. i need these removed immediatly becuase they are ruining my reputation with the banking system
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Credit Report on XX/XX/XXXX ; I noticed for the second time deficiencies of reporting and inaccurate information on my Equifax credit report in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove DATE OF BIRTH year " XXXX '' and REMOVE previous address listed as : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Notice dated XX/XX/XXXX which includes my Driver 's License, Social Security Card # and Phone/utility Bill. ) Additionally I respectfully request an investigation of XXXX account XXXX, and Inquires : " XXXX '' dated XXXXon Equifax report and XXXX dated XX/XX/XXXX on my Equifax profile. Im concerned my personal information may have been breached in Equifax data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION. [ [ **PLEASE ADD XXXX XXXX Account # XXXX and Account # XXXX to my report, I do not see these accounts! XXXX XXXX is my Accounts ] ], Thank you again, Be Well ....
Product: Mortgage

1. In XX/XX/2021 a verbal request was made to modify my loan in accordance with the Cares Act. The agency failed act or acknowledge. 
2. In XX/XX/2021 a verbal request was made to modify my loan in accordance with the Cares Act. The agency failed act or acknowledge. 
3. XX/XX/2021 the loan modification process started and I was notified that the process took 45 days to date no action has been taken by Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing several complaints against TransUnion through the CPFB and the the FTC TransUnion continues to violate the fcra regarding Fair credit reporting due to the fact that they refused to eliminate and then XXXX collection account done by XXXX XXXX XXXX how to recognize as XXXX  as already done that the month of XXXX and any payment being off was already ordered by the president United States to be considered put off due to the pandemic. That mistake just crossed 143 point drop in my credit and severe hardship for my family
Product: Credit reporting or other personal consumer reports

The account was charged off on the following date XXXX XXXX since then, the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX  XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, I file a petition. For XXXX XXXX bankruptcy in case # XXXX in the XXXX XXXX of Illinois on XX/XX/XXXX I receive an order of XXXX XXXX  discharge. I notice that fifth Third bank was reporting a balance of {$330.00} account # XXXX after the filing of the XXXX XXXX and the discharge order I disputed the account with XXXX a few times. And every time I was inform that fifth third banks account was verified with the balance of {$330.00} I also requested the method of verification from XXXX XXXX XXXX please letters of dispute dated XXXX XXXX & XXXX. XXXX fifth Third bank was notice in the XXXX XXXX filing on XX/XX/XXXX with a certificate of notice. Please see all the documents with the complaint XXXX and fifth third bank are in violation of the Fair Credit Reporting Act 15 U.S.C 1681 I ( A ) and Fifth Third bank 15 U.S, C 1681 S 2 ( B ) in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) The Court ( noted as a general matter that discharge means that the debt even if unenforceable will not remain on the credit report? XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX please case law.
Product: Credit card or prepaid card

XXXX charged my Capital One credit card {$3600.00} for a vehicle that i did not receive or authorize on XX/XX/XXXX. I contacted Capital One and they gave me a temporary credit. they recharged my account in XX/XX/XXXX. I then called XXXX to further advise them that there had been a error and that i did not authorize or receive the vehicle listed on agreement. Furthermore XXXX stated that they would launch an investigation, however it is XX/XX/XXXX and i am yet to receive any sort of communication from XXXX and i am be charged over the limit and interest fees by Capital One.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Halsted Financials has called numerous times, at all times of the day from different numbers. When I finally answered the phone, to see who was calling, they would not identify who they were. While trying to receive information on the debt, it wasnt until then that I realized it was the same company. The person on the other end was very rude and didnt want to give any verifying information, only requested money for the said debt. They began to yell and became irate. I have never had an issue with settling a debt, but I feel this matter could have been handled in a more professional manner.
Product: Mortgage

I have been trying to modify my home loan with Caliber Home Loans and they have ignored me and moved my file to foreclosure and now I have a foreclosure scheduled for XXXX/XXXX/2015!! I do n't know what to do because I want to keep my home.
Product: Credit reporting or other personal consumer reports

I paid XXXX to XXXX account I already ask for this account to be removed from my credit report I paid XXXX for XXXX XXXX  and its past the XXXX days period
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF ACCOUNTS WAS OPEN OUT OF THE CITY OF XXXX AND I STAY IN THE XXXX, MS SO IM NOT UNDERSTANDING HOW MY INFORMATION WAS STOLEN HAD TO BE A DATA BREACH CAUSE I HAVE NEVER SEEN OR OPEN THESE ACCOUNTS
Product: Mortgage

On XX/XX/2019, CREDIT TECH/XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX made a hard inquiry on my credit without approval from me. I was not looking to use them as a company or even get a mortgage on a home as I am only XXXX years old. I was simply asking for simple educational questions not even looking for a mortgage or even had a home picked out to get a mortgage on. This hard inquiry should removed on my account and whenever I actually want to invest in a home I would not be interested in using this mortgage company if they add hard inquiries to my credit for no reasoning.