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

I was at work at XXXX XXXX XXXX XXXX, working on my laptop with my cellphone beside me. I opened my mobile app on my phone to check my account balance and then logged out. After work I noticed my phone was showing no service, after getting it back on, I started searching through and thought to check my account. I noticed that my account had {$2000.00} extra dollars in it. My sons account is attached to mine and he was missing {$5000.00} of his savings. I then looked into the transactions on my account and noticed money transferred from his account to my account and withdrawn through XXXX and attempted through XXXX XXXX. {$2500.00} was withdrawn through XXXX and ready to post, while cash app had {$500.00}, still sitting there that they wouldnt authorize. I called my bank on XX/XX/XXXX, when I noticed this and told them of this. The transaction posted within 1 business day. They replaced the funds and then took it back on XX/XX/XXXX stating their investigation could not find the fraud that happened through them. They stated to come in and file a dispute with their decision and bring proof of the unauthorized transaction that they posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. Experian replied that it was a fraud dispute. I am not going back and forth with Experian about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''
Product: Credit card

I sent this email to XXXX I am writing to formally dispute a charge of {$1000.00} posted to my account on XX/XX/year>, by XXXX XXXX XXXX XXXX. Below, I provide the details of the transaction and the unresolved issue : Transaction Date : XX/XX/year> Merchant : XXXXXXXX XXXX XXXX XXXX Product : Engine purchased for {$1000.00} Issue : The engine was found to be defective and returned, but the merchant refused to issue a full refund. 



Background : 1. On XX/XX/year>, I purchased an engine from XXXX XXXX XXXX XXXX for {$1000.00}. 

2. Shortly after the purchase, my trusted mechanic determined that the engine had a broken part, rendering it defective. 

3. On XX/XX/year> I tried to return item but it was closed so I had to wait till Monday 3. On XX/XX/year>, I returned the engine to the merchant and requested a full refund. 

4. The merchant refused. 



In an effort to resolve this issue amicably, I filed a complaint with the XXXX XXXX XXXX ( XXXX  ) on XX/XX/year>. Unfortunately, the merchant did not respond or offer any resolution. 



Reasons for Dispute : 1. Failure to Disclose Restocking Fee : The restocking fee was not disclosed at the time of purchase. As a consumer, I had no prior knowledge of this policy until after I returned the product.

2. Sale of a Defective Product : The engine was sold as functional but was found to have a critical defect. Under consumer protection laws, products must be fit for their intended purpose unless explicitly sold as-is or with disclosed d
efects.

3. Prompt Return in Good Faith : I returned the defective product promptly, in its original condition, within two days of purchase. I no longer have this item I returned it.

4. Merchants Lack of Cooperation : Despite my good faith efforts, including the BBB complaint, the merchant has not responded in resolving the issue.

Request for Resolution : Based on these circumstances, I respectfully request a full reversal of the {$1000.00} charge. I have attached documentation to support my dispute, including : A picture from my mechanic regarding the defect Correspondence with the merchant and the XXXX  Thank you for your prompt attention to this matter. I look forward to your response. 



Sincerely, XXXX XXXX They denied my dispute and claimed it was merchant fault. This has been ongoing since XX/XX/year> and theres no way im paying {$1000.00} for an item not in my possession and while being a single mom barely making it by.
Product: Credit reporting or other personal consumer reports

TranUnion is reporting the following from XXXX XXXX  XXXX. 

An account was opened by XXXX XXXX XXXX  in XXXX FL. XXXX XXXX XXXX issued revolving credit in the amount of {$6000.00} of which one ( XXXX ) monthly payment was made. I have never been to XXXX, FL / XXXX XXXX XXXX/ or applied for any credit with XXXX 

I have asked both to remove this information from my Credit report as it is Fraudulent! XXXX  help.
Product: Checking or savings account

XX/XX/24 I was visiting XXXX and had XXXX credit cards with attempted fraud charges which were declined fortunately by the credit card companies. 
XX/XX/24 I checked my online banking and saw a pending charge on my checking account via by debit card for {$1100.00}. I called Arvest and reported that their was a pending debit that I had not authorized. I was told that I would have to wait until the debit was processed and then file a claim. I had moved some $ from my savings into the checking account because I had pending regular payments from that account and the fraud charge made my account in the red. Unfortunately, I should have left it that way. 
I was in possession of my card and had only used it at a debit machine. The rest of the time it was in a XXXX wallet. 
XXXX I went to XXXX Arvest and filed a claim. 
XXXX Letter dated from Arvest declined my claim because it said that the card was present or security features were used to authorize the charge. 
XX/XX/24 ( I think ) I went to XXXX Arvest and spoke with XXXX. She resubmitted the claim. She told me that the same criminal had tried to charge another {$1100.00} on my debit card the same day as the first time, but was declined due to insufficient funds. 
XXXX Letter dated from Arvest again declining the claim. 
XXXX I called Arvest XXXX and spoke with XXXX ( XXXX ). She told me that there was nothing else Arvest could do.

I explained that my credit cards were hacked the same day, but Arvest can not do anything else.
Product: Credit reporting or other personal consumer reports

I hope you're doing well as I write you this letter. After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. Since my information was impacted by the XXXX data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes. 

XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I swear under penalty of perjury this account was opened fraudulently I am aware of your unlawful practice of responding to consumer complaints and challenges by sending generic letters regardless of the information provided. Each disagreement must be resolved on an individual basis, according to 15 U.S. Code 1681i ( 2 ). I used fully accessible software to create my letters. My consumer rights are violated if my letters are not processed. I will view this as a violation of my rights and will speak with my attorney.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to a serious breach of my personal and financial information by XXXX  ( my student loan servicer ) and the reporting of unauthorized personal information on my credit reports from Experian, XXXX, XXXX, XXXX, and XXXX XXXX. 

Description of the Issue : Since early 2025, I have been experiencing ongoing issues with my student loan security and unauthorized credit reporting errors. Upon reviewing my credit reports, I discovered multiple unauthorized and inaccurate pieces of personal information, including : Incorrect addresses and phone numbers Unauthorized employment records Fraudulent accounts or misattributed debts I have never authorized these changes, and my personal data has been compromised without my consent. These errors have directly impacted my consumer profile, financial standing, and personal security. 

Breach of Student Loan Security ( FERPA Violation by XXXX XXXX : As my federal student loan servicer, XXXX is legally required to protect my personal and financial records under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). However, due to their failure to safeguard my records, my student loan information has been compromised, putting me at risk of identity theft and fraud. 

Actions Taken : Since early 2025, I have repeatedly contacted XXXX and my credit bureaus to correct these errors. 
I formally disputed the inaccurate information with Experian, XXXX, XXXX, XXXX, and XXXX XXXX, but no corrections have been made. 
I demanded validation from XXXX regarding their handling of my student loan records, but no clear response has been provided. 
Despite my efforts, the issue remains unresolved, and my privacy and financial security continue to be at risk.
Product: Credit reporting or other personal consumer reports

Reporting to my insurance that I have 2 comprehensive claims on the same date XX/XX/22. This did not happen. I have spoken with XXXX and XXXX and they say that this is causing my rates to be increased. I DID NOT have any incidents. I used my free windshield repair because that is what I was advised to do. I was not in an accident nor was it an incident and should not be reporting as such.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S Code 1681A- Definitions ; rules of construction- Exclusions.- Except as provided in the term " consumer report '' does not include and report containing information solely as to transactions oe experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may treat a payment on or a credit account under an open end consumer credit plan as late for purpose.
Product: Student loan

My student loan payments had been around {$340.00} a month for several years and without notice in XX/XX/2018, the payment went up to {$720.00} a month. 
I called AES to ask my options and see why the increase occurred. They explained that I was paying interest only. I asked what options there were to lower my payment as I was unprepared to make that payment. They said that I had no more options available. They suggested that I try to consolidate. By the time I found a bank to consolidate with, I was so far behind in payments that I could not consolidate and I was receiving threatening letters and phone calls that would ruin my credit, garnish my wages and more.
Product: Credit card or prepaid card

This is a new issue, submitted because Chase has not acknowledged, reviewed or commented upon an explanatory timeline document ( XXXX ) provided in support of my previous claim ( XXXX ) that the XX/XX/2021 XXXX XXXX charge of {$470.00} on my Chase XXXX XXXX credit card was an unauthorized transaction. 
As background : On XX/XX/2021, I made a shopping trip to XXXX XXXX on XXXX  XXXX in XXXX XXXX XXXX where I spent {$81.00}. After paying, I erroneously left my card in the chip reader and proceeded to the parking lot. The cashier ran out and handed me my card, saying I had left it behind. I was embarrassed, apologized, and asked whether I should replace the card. He said No, its only been a minute. I put the card away, then loaded my groceries into my car and drove directly home. An unauthorized charge of {$470.00} was made later, after I had driven from the lot. 
I did not anticipate any problem and therefore did not see the unauthorized charge until XX/XX/XXXX. When I called to report the matter that day, the Chase fraud recovery representative explained to me that the card number was not cleared before the next customer was rung up and that, he said, is how I ended up with two charges on my card, one authorized ( {$81.00} ) and one unauthorized ( {$470.00} ). He reversed the charge. However, on XX/XX/XXXX, Chase inexplicably reversed this decision and reinstated the charge. 
Chase has evaluated this claim, but not in light of clear evidence that the timeline during this episode occurred exactly as articulated here. The uploaded document, TimelineXXXX, that accompanied the previous submission and is again provided here, corroborates this account. In this document, the timestamp of the charge for my order of {$81.00} shows that it was at XXXX pm. Please see Text Box ( A ). XXXX XXXX XXXX shows that I was driving from the parking lot exactly XXXX minutes later, at XXXX pm. Please see Text Box ( XXXX ). The route is depicted in ( XXXX ), and ( XXXX ) is the time I arrived home. The critical data here is the differential between the time I drove out of the parking lot ( XXXX pm ) and the timestamp of the unauthorized charge of {$470.00}, which was at XXXX pm, [ Text Box ( XXXX ) ], XXXX minutes after I left the parking lot. 
Consideration of the accompanying timeline document and the explanation is critical because Chase 's refusal of my claim is based on the opinion that I was physically in the store at the time an unauthorized transaction was placed on my card. Specifically, Card Executive representative XXXX wrote the charges ( XXXX ) is valid because you verified you had possession of the card and the card was present for the charge. Respectfully, this is simply incorrect : While I did indeed have possession of the card, I was not present for the charge, as evidenced by the attached document ( XXXX ). Therefore the {$470.00} charge is unauthorized. 
Thank you for your review.
Product: Debt collection

XXXX XXXX Common Wealth Financial XXXX  XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. 

To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Without notice, my credit cards were closed by Bank of America. This was done the day before my statement closed in an effort to steal my rewards. I had about {$5000.00} worth of points on my 3 credit cards that were closed.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX  contacted my mother concerning a PayDay Loan from XXXX which I took out from Advance America. They left a message on her voice mail. She called them back. The person she spoke with proceeded to tell my mother about the debt, my failure to pay and that I was to be arrested. My mother is XXXX and terrified. I took care of the debt with XXXX XXXX XXXX XXXX yesterday. I received a call today from XXXXXXXX XXXX XXXX telling me that they had contacted my mother. The lady who called was reticent to provide the address or name. She stated the address was XXXX XXXX XXXX, XXXX GA. My case number is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : ONEMAIN : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXX XXXX XXXX XXXXXX/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: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car with my girlfriend and received a loan in XXXX of XXXX from XXXX XXXX. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. Equifax, XXXX and XXXX are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, XXXX and Equifax shows the balance on this account as {$22000.00} and XXXX shows the balance as XXXX. Now how can this be? But on my girlfriends credit report, XXXX shows a balance of something different! 

It's only one or the other, how can there be 3 different balances on the same joint account? I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? 

I don't know what else to do in this situation. Please help! 

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!
Product: Credit reporting or other personal consumer reports

I had a long standing bank account with XXXX up until XX/XX/year> -- where CITIZENS bought all XXXX branches and customers. I had a XXXX XXXX that got transferred to Citizens. In XX/XX/year> I paid off this account completely and requested it be closed. The CITIZENS ACCOUNT is XXXX. Upon paying off and closing the account- CITIZENS reported this as a 30 day late payment to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Wayfair is aware of the problem, because they are the problem. I changed my number late XXXX..they claim they couldn't access they account to take or make a payment until new number was verified. They claim i had to wait to receive a reference number in the mail which to this day a year later has never been received, so for XXXX months I was not able to make a payment & Wayfair notated my account regarding the issue, Citibank verified this was notated but they lied & reported me to the credit beraue as being deliquent for those XXXX months hitting me with late fees but notating the credit for the late fees once account was able to be accessed. My XXXX XXXX was XXXX by XXXX and now has been greatly damaged mainly by Wayfairs lies about me being deliquent when I & them were locked out of account. It took for a supervisor at Citibank to take my payment finally on XX/XX/XXXX to pay off what was owed before being locked out with the late fees. I have been asking them to fix this problem with reporting the account closed, when it was paid off since XX/XX/XXXX & they owe me a credit since I paid off the account which I have not also received since I paid off the account. They now claim I have to wait to recieve a letter in the mail just for them to justify the damage they did with their lies which was suppose to have been sent out back in XXXX of XXXX & that also has not been received in the mail. This company acts like they can't send me these requests through an email like they do everything else, including their sales & promotions. They also rudely over the phone said they were not opening up another account for me even thought the mistake & lies & damage was all done on their end/ part. 
I WANT THEM TO FIX MY CREDIT REPORT! THEY CLOSED THE ACCOUNT IMPROPERLY. IT WAS PAID OFF PLAIN & SIMPLE SO THAT IT CAN BE CLOSED. STATING THAT IT WAS CLOSED LOOKS LIKE IT WAS XXXX XXXX  TO THE CREDIT XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I recently pulled my credit report for the first time in a long time and I was totally unaware of these inquiries and never have I applied for anything from these companies. Im very confused and scared.