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

I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX.
Product: Credit card

I ordered an umbrella from XXXXXXXX XXXX  XXXX, they ran out of the color gray I had picked and cancelled my order. They issued the refund back to Paypal Credit and they never received it. I provided Paypal card by Synchrony proof that I was retunded and they have denied my case to provide me my refund. 

I provided email proof from XXXX XXXX XXXX  and now they're back tracking and have had my case in limbo for 6 or 7 months. Paypal is no help and keeps telling me to wait which is ridiculous. I want my money back plus interest accrued they're trying to charge me. 

It is utterly unacceptable how this is still ongoing.
Product: Credit card or prepaid card

Dear US Bureau protection agency, I would deeply appreciate your help to bring this unfair transaction to light and help me and my family receive our refund from our credit card company. 

This is an appeal for my dispute transaction with Bank of America. I accidentally booked a ticket on XX/XX/24 via merchant, XXXX, a third-party unreputable seller with XXXX rating swamped with negative reviews ( XXXX XXXX XXXX XXXX which was unwilling to provide any refund even though we requested to cancel the transaction as soon as we accidentally made the transaction ( within XXXX of its own policy ). When we called them, they said this is because we need to contact the airlines, not them because they are a third party agent. First of all, their policy said that they will request it for us. If they made the bookings and charged us the price, it is reasonable and possible for them to cancel it. We appealed 3 times and bank of America refused to help us with the company. The cost was {$770.00} Our ticket reservation XXXX ( XXXX ) and e-ticket number XXXX provided by XXXX was NOT found on the airlines website when we tried to manage the booking via them as suggested : XXXX XXXX XXXX, which meant that there is no actual ticket in place. Upon research, we learned that this is a common deceitful technique so customers cant even contact the airline for refund. We provided screenshots of our attempts at the end of this letter so we can verify this on your end. Now, the flight was been changed and again, there is no one we can call. Again the third party kept on saying we have to contact the airline but it is impossible to get a hold of them and the third party booking system is a scam itself. Bank of America listened to them but not us. 

There was no cancellation disclaimer visible when we initially bought the ticket and the company is not reliable but bank of America shows poor judgment. We would like our refund and to be excused from this flight contract due to XXXX ) frustration of purpose XXXX ) impossibility of traveling XXXX ) unconsionability and XXXX ) lack of mutual assent. We hope that you can do everything in your power to make Bank of America intervene in this unjust situation.
Product: Credit card

On XX/XX/year> I received a piece of mail ostensibly from Citi Bank. This mail informed me that a credit card was applied for in my name, however I did NOT apply for this credit card. The mail further informed me that more information was required, as my credit report is frozen with the bureau, which is true. The number listed on the mail seems fraudulent ( XXXX ). The mail included an application ID which I used on Citi Bank 's website to confirm that, indeed, a credit card was applied for in my name and the application was pending me unfreezing my credit. I found Citi Bank 's customer support number on their website ( different than the one listed on the mail ), and called that. They helped me by cancelling that application and giving me po box information to send further fraud information, if needed. Please protect me Consumer Finance Bureau.
Product: Credit card or prepaid card

XX/XX/XXXX a purchase was made with my cash app card, for {$1000.00} at liquidators XXXX. I tried reaching out to Cash App for 2 weeks straight calling and receiving due to covid-19 we have reduced staff. Finally weeks later they responded to email saying I needed a police report. I called XXXX Police Dept. 3 times to be told I would receive a call from an investigator. At no point has Cash App offered to help me in anyway or credit my account while they investigate. Please help.
Product: Debt or credit management

XX/XX/2024 I have been contacted by a collection receivable company and informed that I have to pay {$1300.00} for breaking the lease with the gym. I explained that I have already contacted the fitness company to provide them with a medical report advising that my wife and I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they refused and insisted that I am bound by the contract and must pay. Additionally, this fitness company has not been honest. When I first visited them and mentioned that I might need to cancel anytime due to my back issues, they assured me that there would be no extra fees and that I could cancel anytime, as confirmed by a staff member named [ I can proved her name if needed ]. Finally, they charged me an additional {$39.00} after XXXX months from my contract as annual maintenance fees. 

They began contacting me on both my personal and work phones, which could negatively impact my reputation at my workplace. This behavior is not ethical, as this matter is personal and should not interfere with my professional responsibilities.
Product: Credit reporting or other personal consumer reports

In despite of my previous written request the items I've found out today in my credit report still appeared but I had already disputted them. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report I want to delete them all in my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Delete this account immediately, unless you want to be held accountable {$1000.00} per violation 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. 

XXXXDEPT OF ED : ACCOUNT # XXXX ; DEPT OF ED/XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT XXXX XXXX ; XXXX XXXX XXXXXXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX have 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

The following are interactions with the Coinbase cryptocurrency exchange : XX/XX/XXXX bought XXXX XXXX coin for {$700.00} XX/XX/XXXX bought XXXX XXXX coin for {$4800.00} XX/XX/XXXX bought XXXX Bitcoin for {$26000.00}. 
XX/XX/XXXX attempted to transfer the Bitcoin out of Coinbase, and the transfer was automatically cancelled. 
XX/XX/XXXX again attempted to transfer Bitcoin out of Coinbase and the transfer was again automatically cancelled. 
In each case an email was sent to me indicating that the withdrawal had been cancelled because I was " currently unable to send Bitcoin. Please contact support ''. Using their contact form I related my problem to customer support. 
XX/XX/XXXX I received an email from support ( case # XXXX ) confirming receipt of my note and indicating that my case was being transferred " to a specialist who will be able to further help with this issue ... ''. 
XX/XX/XXXX after not hearing from Coinbase support for 3 days I used the complaint form accessible through their website to initiate a complaint. 
XX/XX/XXXX I received a computer generated form by email which confirmed receipt of my complaint form and assigned a case number ( # XXXX ). It also stated that : I would " receive a response from the Customer Complaints Officer within 15 business days '' and that " If for any reason we require an extension, we will notify you as soon as possible '', and that " ... .our internal complaint process will need to be completed before any litigation process is initiated ''. 
XX/XX/XXXX I sent an email asking about progress. I received a response indicating that " We've passed all new information on to an account specialist who is reviewing your case-they 'll reach out to you here '', ( through this email thread ), " review generally takes 4-5 business days ''. 
XX/XX/XXXX I sent another email reiterating my request and indicating that had now been locked for five weeks without explanation, and that they had failed to meet the terms of their side of the complaint process. I received a the same response I had received on theXXXX. 
I have not been able to sell or transfer either asset in the account for over five weeks. 
No explanation has been provided for this state of affairs. At todays prices these assets are worth about {$70000.00}. Yesterday they were worth in excess of a XXXX dollars more. The inability to trade these coins is a financial liability which could potentially cost me much more than it did yesterday. 
Coinbase has not lived up to the responsibilities of their side of the complaint resolution process and at this point it seems as though only the intercession of a third party will overcome their inertia and get them moving toward resolution of this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX several accounts was opened in my name without my knowledge, 1. XXXX XXXX loan {$37000.00}, 2. Chase Auto loan {$8500.00}, XXXX. XXXX XXXX Credit card {$2500.00}, XXXX. XXXX XXXX {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bankruptcy was XXXX as of 2019
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX Date : XX/XX/2016 Amount : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Letter to Remove Inaccurate Personal Information : To Whom This May Concern : I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Please delete all other names and addresses. I can not receive mail or send mail out from any other address other than the one address listed above. Their are incomplete and unknown addresses and phone numbers listed that should not be on my personal credit. Everything is incorrect but the address listed above this paragraph and the phone number listed below this paragraph. 

My only phone number is XXXX Please delete any other phone number as they do not belong to me. I can not send or receive any calls or text messages from any other number than the one listed above.
Product: Debt collection

Upon receiving copies of my credit report I found this debt under Indigo-Celtic Bank , XXXX XXXX XXXX XXXX , Genesis FS Card Services , and XXXX XXXX . I do not recognize any of these. I requested debt validation and was sent back a copy of statements where the charges were in another country. I have not visited another country, nor do I have a passport to do so. I tried sending the companies a letter explaining this and have gotten no response. This is a fraudulent account.
Product: Checking or savings account

I was XXXX  from XXXX XXXX XX/XX/XXXX. My house got broken into where my purse, wallet, and phone among other things were stolen. My debit card was used all these days spending XXXX dollars. I filed a dispute on the XXXX and they denied it. When I asked for the evidence they used they sent me over the intake form and then the documents I sent them. I asked them to re open it and asked them to send me the documents again that they used and they sent me the same documents. They could not explain why I was only getting those documents. So on XX/XX/XXXX I called them back and asked to talk to a supervisor and XXXX got on the phone and said the same thing as the employee did. He told me I should call all the merchants myself instead of re opening my claim and then told me I needed more evidence to re open the claim. I told them I went to 2 of the merchants and got half of my refund back until they complete their own investigation. They denied my claim for the 3rd time and im fed up with them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2020 a website erroneously sent my sensitive information to multiple companies unbeknownst to me
Product: Credit card or prepaid card

Care Credit card was closed due to other cards having higher balances and rotating credit. This card has no balance and has always been in good standing. Im not sure why my account would be closed due to any other card or account having any balance when I have paid them on time and in full always. Representative informed me that there was nothing I could do except reapply. I have had this card for quite a few years and suddenly there is a problem due to something that has no effect on this account whatsoever. I am very displeased with how this has taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XX/XX/XXXX credit report and found REGIONAL ACCEPTANCE CORPORATION had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Product: Debt collection

On XX/XX/2021 I received mail from a debt collection company named Controlled Credit Corporation claiming I owe {$1100.00} to XXXX XXXX claiming this is the second letter they have sent. As of current I owe {$0.00} to XXXX and my account with the hospital is in good standing and has been in good standing with {$0.00} balance for two years. I have never received any correspondence from Controlled Credit Corporation on till today XX/XX/2021. I have called XXXX XXXX to verify if I have any outstanding debt and they said I did not and havent any idea who this debt collection company is. I do not owe any money to XXXX XXXX and this assumption I owe this money is fraudulent. This company is trying to collect money from me that I do not owe.
Product: Mortgage

First off I would like to say thank you for taking the time to look over this. 
We started to fall behind on our mortgage is XX/XX/2017. During this time we faced a tragedy. My husbands father was kidnapped and XXXX XXXX going into XXXX. We had to fly to Texas which is where his mom and sisters live to help them through this difficult time. He was found one month later in the XXXX XXXX desert XXXX and XXXX. Being the oldest we had to help his mom and sisters get through this tough time, helping them get back on their feet and paying for the funeral expenses as well as other miscellaneous things. Coming back home was tough, we came back to bills piling up. Trying to provide for our daughters while continuing daily life and catching u with everything else, to say it was difficult is an understatement. We had been trying to come up with the funds once the NOD was submitted but we found ourselves in a much deeper hole than we anticipated. During the time we were first trying to reinstate I was diagnosed with reoccuing XXXX XXXX. Our lives went from what we thought was tough to what we are faced with now. I am still currently undergoing treatment but despite that our goal was to reinstate our home, in case anything happened to me my daughters would at least have a roof over their heads. We set up a XXXX page where we were able to raise {$43000.00} and I was able to get a {$6000.00} loan from a relative. A few days before the sale I requested a reinstatement quote so that we could see how far off we were. They stated that they could not provide one because it was tooo close to the sale date. I continued to try to contact XXXX XXXX XXXX XXXX XXXX but they refused to speak to me. The day before the sale I contacted XXXX XXXX XXXX  in hopes to postpone the sale as the funds from the XXXX page where not readily available in my bank account but would be within 14 Days. XXXX XXXX XXXX refused to postpone the sale. I once again asked for a reinstatement quote which they finally provided on XXXX XXXX at XXXX XXXX the day before the sale. The day of the sale we were persistant in trying to postpone the sale, but even after showing them that the funds would be available soon they went forward with the sale. Today it has come to my attention that the 3rd party buyer was a company called XXXX XXXX XXXX, well I looked them up and it just so happens that their DBA is XXXX XXXX XXXX.our lender. That to me seems lik, e a conflict of interest and something that needs to be looked into. They sold it for exactly what was owed and now they can evict us and make a profit on it. 

Once again I would like to thank you for taking the time
Product: Consumer Loan

I am unable to pay the loan amount at this time, I tried to work out a settlement and they did not accept that. I plan to pay but they call distant cousins, brother in law, my employer and ask for my Supervisor, called my mother and my sister and my ex wife stating they have filed a lawsuit against me. they are harassing me when I am already willing to make arrangements.