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

At XXXX today I attempted to use a Bank of America ATM to withdraw funds from my Bank of America checking account. The withdrawal is appearing on my balance but I received no money and the ATM did not return my card, asking me to contact customer service. I tried that and was hung up on, and the bank refused to return my card. So now Im missing my card and my money, with a week without access to my funds expected. I provided ample opportunity for them to communicate with me and offered a viable solution to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts several times and Equifax has failed to delete or correct these following accounts. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX  XXXX XXXX. XXXX XXXX was deleted by XXXX on my credit report but still remains reporting inaccurately on my Equifax credit report. These accounts including but not limited to XXXX XXXX  were disputed on the following dates. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX, XXXX, XXXX and XXXX of XXXX. Equifax has failed to maintain accuracy on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a discrepancie I have identified on my credit report, dated XX/XX/2025. After a thorough review, I noticed an account that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. 
The questionable account is as follows : XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX  I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, Ohio, from Ally Auto Lender. The price of the car is {$22000.00}, with an APR of 11.99 %, with a term of 72 months. Last year, I went back to the dealership and was denied credit to trade the car in for a new one, unless I had a co-signer. Under the Equal Credit Opportunity Act several rights were violated, i.e., the dealership didn't explain the process for fixing my credit mistakes, did not give me the name or telephone number of the credit company, and nor did they tell me about my right to get a free copy of my credit report to name a few. There was also some credit discrimination. I was encouraged and told to apply for a type of loan with higher interest rate with less favorable terms.Under the Consumer Credit Transaction if I am doing a transaction, I should've been given a Sum of all charges, which I was not, nor was information disclosed to me.
Product: Credit reporting or other personal consumer reports

I was terminated from my job since XX/XX/. I took out insurance for insurance for XXXX and unemployment. The XXXX XXXX agent XXXX, XXXX XXXX XXXX office told me that i have to keep making payments until the claim kicks in. She says I can make a minimum of {$240.00} and i would not get reported negative to credit bureaus. 
Accordingly, i am required to sign a deferred agreement. I did that on XX/XX/XXXX  and made the required payment which I have proof of. They cant find a copy of the agreement so corporate office reported my account delinquent with the credit bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Experian regarding their refusal to investigate a credit dispute I submitted. Despite providing all necessary documentation and information to verify my identity and the legitimacy of my request, Experian has failed to proceed with the investigation, causing undue delay and financial burden. 

On XX/XX/year>, I sent a certified letter to Experian containing all required information and documentation to open a dispute for inaccuracies on my credit report. The certified mail tracking number for this correspondence is XXXX. I have attached the certified mail receipt and a copy of the dispute letter for your reference. 

In response, I received an email from Experian on XXXX ( attached ) claiming that my dispute request did not appear to have been sent directly by me or authorized by me. This baseless claim has caused significant delays in addressing the inaccuracies on my credit report, which negatively impacts my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccuracies on my credit report investigated and corrected within a reasonable timeframe ( 30 Days ). By dismissing my legitimate dispute without conducting a proper investigation, Experian is violating my rights under the FCRA. This deliberate obstruction appears to be an attempt to waste consumers ' time and resources, discouraging them from pursuing legitimate corrections to their credit reports... 

I request the Consumer Financial Protection Bureau to intervene and compel Experian to : - Initiate and complete a thorough investigation of my credit dispute as per the documentation provided. 
- Ensure that any inaccuracies on my credit report are corrected promptly. 
- Prevent further delays and obstructions in handling legitimate credit disputes from consumers. 

Please find attached copies of the certified mail receipt, the dispute letter sent to Experian, and the email response received from Experian. I appreciate your support and look forward to a resolution that upholds my rights as a consumer. 

Thank you for your assistance.
Product: Credit card or prepaid card

Capital One has blocked access to my account information through third party budgeting apps. I believe that this is my information and that I should be able to consent to the sharing of it. I have accounts with many other institutions that work flawlessly with the third party apps. Consumers deserve to have access to their own information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed the accuracy of these account with the Credit reporting agencies and XXXX. Specifically, i disputed with XXXX via the CFPB XXXX and XXXX is still using my nonpublic information. My personal information was shared without consent. On top of that, they are reporting incomplete and inaccurate details. 
I want the accounts removed from my consumer profile. Experian alleges that XXXX verfied these account as accurate Affidavit of truth attached. Experian report attached
Product: Credit card

Ollo credit card / Ally bought out from. I been customer for over 5 years I closed my account do to ridious interest rate that is XXXX percent been trying to lower for 2 years have not been able to offer anything with lowering the rate. I closed the account made agreement XXXX for automatic payments out of my checking account. Payment was made on XXXX XX/XX/XXXX. I received a letter notification on from my bank that insufficient funds of XXXX on XX/XX/XXXX and charge me XXXX funds were unavailable. Friday XX/XX/XXXX I went to my bank institute the following week and investigated that fraud took place. Ollo credit card went into my account directly electronically from their end produced a check took out funds without my permission from my bank. The check was not sent from XXXX federal bank that is my band. This is when I realized my own credit card ollo did fraud activity. I had to freeze my account and open another checking account. My own credit card company did fraud!!!! I contact them the same day on XX/XX/XXXX they actually said the i did automatic payment from my account for XXXX. I told them that is impossible that fraud took place. So now under investigation. I closed the account already made agreement to pay automatically out of my account XXXX monthly XXXX of every month. I want to report them. My trust is gone. Customer service is rude!!! I never received phone call or email since the XXXX. I keep getting mail owing money from ally credit card. that my account is passed do. When I already set up this agreement. I have still not received anything in the mail about my account about the fraud as of today is XX/XX/XXXX. They are a mafia bank they are not legit in anything that is said or done. I feel this fraud was done inside the company. I do not want to do business with them anymore. They need to be audit. They are not about the people. Please look into this
Product: Mortgage

Dear CFPB : I am writing regarding my Mortgage account that was initially with XXXX XXXX and then sold to PNC bank. I had been with XXXXXXXX XXXX for over 2 years and I never had any issues regarding the loan terms, conditions payment history etc. 

Several months ago, XXXXXXXX XXXX sold my mortgage loan to PNC bank and I received written correspondence stating that the mortgage transfer took place. Every was marching business as usual as I had my automatic payments scheduled since I have the loan. 

All the automatic payments went through until XXXX this year. I found out sometime in XXXX that the payments were not being processed by PNC bank for 3 months or so. I decided to call the bank and they stated that the automatic payment option was suspended and, I needed to sign some sort of automatic payment agreement to reinstate the autopay. I was not aware of this form and if this was the case why they did not provide it when the loan was acquired by the bank. Payments were always being processed business as usual for months. 
After discussing the situation with them I made all the payments that were not processed due to the autopay suspension. 

As a result of all this mishandling my Mortgage account was reported late to the credit Bureau agencies dropping my credit score significantly. 
I immediately reached out PNC bank and they were not cooperative when I asked them why they reported the account being more than 30 days late, when they did not explain their autopay policy in details at the time the loan was sold.
Product: Credit reporting or other personal consumer reports

Credit score was pulled and vendor states I have no credit history showing. Personal information compromised during Equifax data breach.
Product: Debt collection

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I have attached documentation regarding the identity theft directly from XXXX XXXX which includes a contact number that any third party may call to validate my claim of identity theft. I have also attached documentation from another collection agency that investigated my claim of identity theft and found that identity theft did indeed happen and deleted the account from their records.
Product: Checking or savings account

My name is XXXX XXXX a week ago I opened a single savings account and a joint account with Citibank. I used Citibank ACH feature to transfer funds from my small bank $ {$250000.00} to a single savings and {$500000.00} to join savings. Funds have posted and left my bank but Citibank closed my accounts blocked them and refusing to send back funds, They want hold {$750000.00} for 60 days then they will mail check in mail. They refuse return my own money sooner. Reason for us opening accounts was due their advertising of high rates for savings and we split across accounts to stay within FDIC limits.
Product: Credit card or prepaid card

XXXX and XXXX Ten fraudulent charges made on my card. Five charges were for XXXX and five charges were XXXX ( foreign transaction fees ). I called the Go Program Card customer service twice to alert them that these are fraudulent charges that I did not make. Both times I was told there is nothing they can do about it until the charges post. This means I have to wait until my money is stolen. They will not stop my money from being stolen. They will not stop the payments from posting even though I have informed them they are fraudulent. This pre-paid card we are forced to use for unemployment is supposedly backed by Master Card ... what good is that is they do not employ the same security and fraud assistance as Master Card? I didnt ask to be laid off and I certainly did not ask for a prepaid card for my unemployment but we arent given a choice. It makes no sense why they would wait for my money to be stolen before taking any action. Any other legitimate card prefers to stop the fraud before damage is done. They never should have authorized the charges in the first place. All financial institutions would flag it after the second identical charge and not allow 10 of them. This Go Gard company is assisting in the theft of my money.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$3500.00} XX/XX/XXXX TransUnion : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim in the recent Equifax hack. I was not notified by Equifax and found out through my own inquiry into the matter.
Product: Credit reporting or other personal consumer reports

Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

Innovis is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice that was posted on XXXX website before they removed it
Product: Credit reporting or other personal consumer reports

Hey, I was viewing my credit report and noticed that my personal information is incorrect. I would like to correct this information. 

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX PHONE NUMBER : XXXX DATE OF BIRTH : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to alert you that I was a victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of objects that do not belong to me and were opened without my consent. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX  XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX  XXXX Balance : {$7200.00} XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Violation of 42 USC 408 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States; or ( 9 ) conspires to commit any offense described in any of paragraphs ( 1 ) through ( 4 ), shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years,
Product: Credit reporting, credit repair services, or other personal consumer reports

WHAT HAPPENED. In XX/XX/2018 I submitted an FTC Identity Theft Report to Equifax, XXXX, and XXXX. In the Report, I stated that someone had used one of my former addresses to fraudulently obtain a credit card in my name. As a result, Equifax ( but not XXXX or XXXX ) removed all of my former addresses from my credit report. Equifax confirms that the FTC Report was the reason they removed all my former addresses. 

MY COMPLAINT. I want to be very clear about my complaint. My complaint is NOT that Equifax deleted all the addresses, rather than just the one that was fraudulently used. Rather, my complaint is that Equifax deleted ANY of my former addresses. That a correct former address was, or may have been, fraudulently used in the commission of an identity theft is no grounds whatsoever for removing that address from the customers credit report unless the customer specifically requests that it be removed. In my FTC report, I did not in any way request that any of my addresses be removed. 

WHY THIS IS IMPORTANT. The removal of my addresses poses a real problem for me. I am applying for a mortgage and therefore need to establish at least a two-year history of my residence. Because I have lived at my current address for only about five months, I need my credit reports to include my former addresses. 

HOW I TRIED TO RESOLVE THE PROBLEM. Equifax told me that the only way I can restore the former addresses is to have one of my current creditors report my former addresses to Equifax. That will not work in my case. I have only one current creditor. That creditor they told me that they do not normally report former addresses to the credit bureaus, and that it would be a violation of federal law for them to offer a service to one customer that is not offered to all. 

THE PROBLEM IS ONE OF EQUIFAX POLICY. The problem I encountered at Equifax is not a processing error. The Equifax fraud department told me that what happened here was the result of a general Equifax POLICY. According to that policy, whenever it is reported in an FTC Identity Theft Report, or in a police report, that a former address was used in the commission of an identity theft, Equifax removes that address from the customers record at Equifax.
Product: Debt collection

I received a call from a " server '' by the name of XXXX XXXX, who contacted me via an unlisted number, stating that he had papers to serve me regarding a payday loan that I supposedly received through an old bank account in 2011. He then provided me with a number to contact the collection agency in charge of the claim to settle the debt. The number provided was XXXX and it led me to a company called Lakefront Processing Solutions, a collection firm in New York. I spoke with a man by the name of XXXX XXXX who went on to explain that I owed some payday company the sum of {$600.00} dollars for defaulting on a loan that I never actually signed for and that I was to be charged with fraud and breach of trust ( He spoke so quickly that I could n't understand half of what he was saying ). I never received any documentation regarding these supposed charges nor any papers regarding the loan in question. All he did was threaten me with legal action if I did not pay him the settlement amount of {$400.00} dollars over the phone. Like a fool, I gave in to the pressure and fear of legal action and paid the balance. He then told me that if I had any further questions I could contact him or their parent company, National Principle Group ( Which does n't seem to exist, as their website is nowhere to be found ), and informed me that no further action would be taken. This is the XXXX time something like this has happened to me and it needs to stop. The practices these people use are illicit and abusive, and people need to understand that they have their rights concerning matters such as this. I wish I had understood that prior to this transgression, but you live and you learn. I 'm not wholly concerned with getting my money back ; I just want to do my part in ensuring that people like this ca n't prey on the fear of honest people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to cash my paycheck at XXXX like ive done every payday for several years now. This time however certegy would n't let me cash it. I called them and they said there is a bounced check from XX/XX/XXXX at holiday a check to XXXX XXXX  from XX/XX/XXXX and 2 checks from XXXX in XX/XX/XXXX. These were never on my report until recently had ive never had an issue cashing my paychecks before. I didnt write any of these checks so I dispute them. However they said it will be 30 days until anything is removed and in the meantime I ca n't cash any of paychecks and ca n't pay my bills. Because they messed up
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX : MD Zip:XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX, transunion, and XXXX were notified about a XXXX  XXXX account and a XXXX XXXX account, pursuant to title 15 usc 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. the reporting agencies were asked to reinvestigate and they have failed to respond within the 30 days required. i believe that both late payments were reported inaccurately and kindly request that you provide me with a written confirmation of the receipt of this dispute letter, as well as an estimated timeframe for the completion of your investigation. Additionally, I request that you notify me in writing of the results of your investigation and any actions taken to rectify the inaccurate reporting on my credit report.