23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

requested verification regarding a bankruptcy on credit report. they stated it was verified as true. after contacting bankrupty court they stated that they do n't report or verify any information to the credit reporting company
Product: Checking or savings account

Bank of America is opening accounts that are a 2 hour round trip from customers, then refusing to service the account, and forcing customers to drive into the branch, when it was advertised as an online account. I've contacted them by phone, mail and email and they refuse to close the account. They state I have to drive XXXX XXXX and spend over {$100.00} on gas just to close an account that they never were willing to service in the first place. 

They also send conflicting mail saying that the account has been closed, and another mail sending me a statement. They are clearly willing to open accounts for customers which charge fess that they are unwilling to service. This is blatant fraud, and I want to make law enforcement aware of their scam. 

Can you please immediately contact Bank of America and force them to close all of my accounts, I wish to never do business with them ever again, and I hope you can stop them from continuing to run this scam. 

After spending an hour on the phone with them today XXXX, and escalating the call, they just hung up. I no longer have any recourse here, I need the government to do its job and protect consumers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX AL XXXXXX/XX/2025 Midland Credit XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Michigan XXXX Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : XXXX XXXX XXXX XXXX XXXX According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of 1970,15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up. 

Under the terms of the Section 168 li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety. 

Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, thereCD shold no charge for this notification. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX
Product: Credit card

XX/XX/XXXX somebody make purchase on XXXX by using my credit card I send dispute to Citibank After XXXX weeks I receive from Citibank letter where does it say that I made the purchase. 
I send you a screen shots from my XXXX account :
Product: Debt collection

My attorney filed Bankruptcy on my behalf on XXXX XXXX which was discharged on XX/XX/XXXX. 

The attorney contacted XXXX XXXX with this information as they were included in my Bankruptcy discharge as one of the creditors. However, XXXX XXXX, continued to send me bills on the third of each month long after the Bankruptcy filing and Discharge. 

The attorney reached out to XXXX XXXX on XX/XX/XXXX, via a typed letter, asking for all payment attempts to cease and reminded the company that what they continue to do is a violation of the stay and may be actionable pursuant to XXXX XXXX k ) or as contempt of court if they persist. 

I visited the XXXX  XXXX  store on XX/XX/XXXX and I spoke with XXXX XXXX who was a XXXX  Consultant and provided me with a ticket number and said that I would receive a call from XXXX  XXXX " Legal Team ''. I provided my bankruptcy case number and I received ticket number : XXXX. This was supposed to clear up everything since my bankruptcy was filed but that did not happen. 

Moreover, I returned to the XXXX XXXX store, on XX/XX/XXXX, to surrender the XXXX XXXX XXXX  and to get an update on the continued billing situation after my bankruptcy filing. I worked with XXXX XXXX who is a XXXX  Consultant. I provided my bankruptcy case number information to the representative but was told that they could not accept the XXXX XXXX XXXX because it was damaged, and the return period had passed. I explained that this was not a traditional return but equipment that I had wished to return because it was included in my bankruptcy filing. This didn't make any difference and the phone was not accepted. I received ticket number : XXXX on this visit to the store. 

I continued to receive bills that grew larger each month although I was not using any XXXX XXXX services. 

Ultimately, I received a letter dated XX/XX/XXXX from XXXX XXXX an account representative for GS Services, a collection agency, which is in XXXX, Texas. This letter was sent on behalf of XXXX XXXX. The letter states that I currently have an overdue balance of {$580.00}. 

XXXX XXXX has continued to bill me each month although my bankruptcy was filed and then discharged. I continued to receive bills each month from XXXX XXXX although any monies owed were included in the Chapter XXXX Bankruptcy filing and the debt owed was discharged. 

XXXX XXXX has continued to bill me each month for cell phone service that I have not used, consequently, the bills grew larger, so each month a bill would be even more money than the previous month even after my cell phone account was switched over to a completely different wireless provider.
Product: Credit reporting or other personal consumer reports

Equifax is allowing someone tomimportly use my credit report and social to apply for different credit accounts
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 records of convictions of crimes 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.
Product: Vehicle loan or lease

Over the course of the loan with prestige financial after I lost employment in XX/XX/ 2022 prestige financial engaged in deceptive business practices by texting and emailing me saying there would be assistance available to me if I contacted them and then when I contacted them. There was no assistance available in the previous two complaints. I have also filed against prestige financial will put in detail more of what I experienced with this company.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I was leasing a XXXX in XXXX. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from XXXX XXXX of late fees assessed against us for late return of the jeep. On XX/XX/XXXX, I spoke on the phone with an XXXX representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from XXXX. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with XXXX XXXX on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from XXXX rep to XXXX  rep and would prefer to avoid suffering through that process again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've been trying to resolve this issue with Trans Union about these unauthorized credit inquiries on my credit report file, I've sent certified letters time and time again to this company and nothing 's been done yet and its been since last year for months XXXX. XXXX XXXX XXXX XXXX XXXX. I need your help with this issue I'm having with Trans Union. Thank you kindly
Product: Credit reporting, credit repair services, or other personal consumer reports

We've enjoyed a business relationship with XXXXXXXX XXXX the services of our XXXX XXXX Credit Card for the past three years. Capital One Recently purchased the servicing rights to this credit card in XXXX or XXXX of 2021. Capital One proceeded to cancel all existing autopayments without proper verbal or written communication to the existing customers and card holders of the XXXX XXXX Credit Card. In reviewing our credit history with XXXX XXXX and XXXX XXXX we've never incurred a late fee or a negative payment history, however after the aquistion by Capital One the removal of our enrolled autopay created a late payment and a late payment fee. Capital One agreed to refund our fee of {$40.00} for there mistake, but not correct our credit report which now reflect a late payment in our now blemished credit history. I would like to seek protect and assistance by the consumer financial protection bureau and protection under the laws to assist in resolving this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 605B, 15 USC 1681 ( a ), & 15 USC 1681 ( 2 )! 

I told XXXX, Transunion, and XXXX to reinvestigate & IMMEDIATELY remove these fraudulent/incorrect accounts/items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition to, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

In Conclusion, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.
Product: Bank account or service

I have a Citibank bank account XXXX checking ) and credit card and ATM/Debit card. I travel. Every 5 years when my ATM card expires Citibank disconnects me from my on line banking, until I enter information from the NEW ATM card that they sent to me. But I am traveling and I did not get my new ATM card yet as it went to my mail forwarding service. So I can get it if I call my service and ask them, to package up my mail and send it to me here in Maine. However receiving mail where I am in Maine is not too secure. Please note that no other bank that I use DISCONNECTS me from my on line banking every 5 years when my ATM card expires, and usually I am not at a place to receive the new ATM card as I travel.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Consumer Financial Protection Bureau, Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and outdated information being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681c, and 1681s-2. Please find below the details of the accounts in question : XXXX. Account Name/Number : Issue : The balance reported is inaccurate as it is not mine. This account does not belong to me, and I did not authorize this transaction, nor did I consent to it being reported under my name. 

XXXX XXXX for CAPITAL ONE N A XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Secured CC - none of the {$250.00} securitization funds made it to the balance. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : This section explicitly prohibits reporting inaccurate information knowingly or without reasonable verification. 



2. Violating FDCPA contacting me at all types of hours. 

Portfolio Recovery, please remove XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  for CAPITAL ONE N A XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Account XXXX ( XXXX XXXX ) : Issue : This account reflects a balance for a vehicle that was repossessed nearly XXXX years ago, yet it is still being reported as if I am in possession of the vehicle and have an outstanding balance. 

CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : The account should not reflect any further adverse information, as the vehicle is no longer in my possession, and the creditor has taken collateral. This balance is inaccurate and misleading. 

Further Violation : If the lender sold the repossessed vehicle, the balance should reflect the adjusted amount, or any deficiency, rather than reporting as if I still possess the vehicle. 


4. Personal information wrong : Name as XXXX, XXXX XXXX XXXX XXXX = correct name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = correct name I never operated in XXXX XXXX 



These inaccuracies are causing significant harm to my credit and financial well-being. I have the right to privacy and accuracy in my credit reporting under 15 U.S.C. 1681 Section 602 ( a ), and these entries violate those rights. 

I request that the following actions be taken : Immediately investigate and correct the inaccuracies. 

Remove any items that have been inaccurately reported or are unverifiable. 

Provide me with a written confirmation once these corrections are made. 


I have enclosed copies of the relevant documentation to support my claims. Please respond to this dispute within the legally mandated 30-day period, as outlined in the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My debt/original balance of {$1500.00} has since been paid, however the late payment history of 30-59 days was reported on my credit report for al 3 credit bureaus was reported for XX/XX/2022. I was impacted due to covid19. Please remove the negative payment history from my credit report with all 3 credit bureaus as this debt has been fully paid. Thanks!
Product: Checking or savings account

I tried to pay 2 credit card bills in XXXX and Marcus blocked the transfers causing the credit card companies to charge me a fee for returned payments. My account was frozen for no apparent reason nor was I notified or contacted by the bank. As a result, I called the bank customer support phone number and no one was able to tell me what the issue was or when I would be able to use my account again. As a long-time customer this is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX. I saw an inquiry that I did not authorize. 

Name : XXXX XXXX  Date : XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1881b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX a hard credit inquiry was placed on my credit report for XXXX XXXX ; I contacted XXXX XXXX and also filed a dispute with Equifax on XX/XX/XXXX Confirmation number : XXXX. On XX/XX/XXXX, I received an alert from Equifax that my investigation was complete and the inquiry was accurate ; this is laughable and infuriating as the inquiry is not accurate. XXXX XXXX called me on XX/XX/XXXX at XXXX EST, I spoke with XXXX XXXX XXXX XXXX, from XXXX XXXX XXXXXXXX XXXX who investigated my complaint and confirmed that this was indeed fraud. XXXX explained that everything is done online, the account was opened under my previous name, XXXX XXXX and an old address XXXX XXXX XXXX, XXXX XXXX, MI which I haven't lived at since XXXX. XXXX closed the account, placed a block on it and advised he'd be sending a letter of confirmation to my current address. 

I am requesting that Equifax actually do a complete investigation and remove the fraud inquiry, immediately. Equifax can actually reach out to XXXX directly and he can also confirm.
Product: Checking or savings account

My Bank of America account is newly opened and I have used it for about a month and a half. I am XXXX. I deposited a check for a friend who does not have a bank account, and he has endorsed it to me. Then I used my debit card to deposit it into the Bank of America ATM aXXXX XXXX XXXX  on XX/XX/year>. About 3 days later, Bank of America notified me that it was suspected of fraud and directly froze my account permanently and completely, and notified me that I would never be able to use the Bank of America account again. Bank of America notified me that they do not accept third-party checks. However, according to the law, banks can accept third-party checks. Bank of America has no reason to completely close my account and permanently prohibit me from using the bank 's services, so I want to complain to Bank of America. They generated evidence to return my check, and the bank staff told me that they would mail the check to my address within 10 working days, but I have not received it yet.
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 : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Ref : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 records of convictions of crimes 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.
Product: Debt collection

See attached letter. 

In summary, XXXX XXXX XXXX XXXX submitted an intentionally misleading response to a previous CFPB complaint, and continues to act in ways that violate both federal law and Constitutional right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a previous victim of identity theft in XXXX. It took over XXXX hours of my time to get it cleared. 

I do not want to go thru that again. 

To protect myself from damage resulting from Equifax losing my most sensitive data, I am freezing all my credit reports. 

Equifax did not charge to freeze my credit XXXX wise of them XXXX. XXXX also did not charge. However I was charged {$10.00} to freeze XXXX. I 'm still trying to freeze XXXX but expect that to be another {$10.00}.