23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I disputed negative information on my credit report that is not mines, the credit bureaus came back stating it was reporting correctly with the documented proof of the verification. there is no veriification from the bureaus just word of mouth. I can't accept that. No proof anything. They are not doing their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXXXXXX XXXX XXXX they told me they would pull me credit once but i had multiple hard inquires XXXX XXXX  XXXX XXXX XXXX  XXXX 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 have contacted Capital One multiple times in regard to me opting out of having my non personal information shared with nonaffiliate third parties. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Under the Gramm Leach Bliley Act Capital One were to disclose to me, clearly and conspicuously in writing or by electronic form my rights Pursuant 15 U.S. Code 6802. Capital One did not disclose to me these rights, nor did Capital One provide me the forms or an explanation on how a consumer could exercise such rights. In correspondence to my first letter to Capital One attempted to stall by stating items in the correspondence letter that I did not request & attempted to mislead by providing a false statement stating that I needed to contact the credit reporting agencies directly regarding my dispute, when in fact Capital one is the person furnishing my non personal information. As a consumer, I have the right to privacy, Capital One has denied me my rights to privacy by not complying, Capital One has failed to provide the forms of my rights that are required by law, Capital One has withheld pertinent information from me. After being notified of these things Capital One has still failed to correct its actions & is willfully not complying with the law. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX XXXX XXXX XXXX, XXXX and equifax were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove their information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Mortgage

In XXXX I requested to have the PMI removed b/c my home value met the 78 % loan-to-value threshold. In XXXX they cashed the XXXX checks and have ignored me since then. I called the fourth time again and was told that an appraiser will reach out to me in 10 days and that was in XXXX. My loan-to-value has been well below 78 % since XXXX, and I can provide comps to prove that, I am seeking retroactive credit for MI since XXXX when I made the initial request. The servicer is ignoring me and has taken my money, and I am now in need of your assistance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint pertains to Having too many Names, Addresses and emails on my Accounts. I need this to be a Blanket Compliant across all three credit agencies. XXXX, XXXX and TransUnion. I have One full name, One Mailable address and one Email. I see several on my Report. Per 15 USC 41 And 15 USC 1696 also USC 1681b. I being the Creditor of my accounts in Real, living and Private compacity expect deligency when its coming to holding private transactions with My Securities with a Provider of my choice. They should not share my private transactions with A credit agencies of any kind. I opt out off all reporting of late payments, Credit card transactions reporting of my private transactions. Per the truth and lending act It's against the law and they are performing Securities Fraud as we speak. I want compensation for this violation for loss of Time and Opportunities per What's on my Credit report without permissible Purposes. By law it's {$5000.00} or 1 year in jail for Knowingly violating these policy 's. I need remedy fast. My score has dropped tremendously. I need All inaccuracies Removed immediately and All accounts showing paid in full. This is my third attempt and will need remedy. The Government has already paid our debts credits. It's fraud to charge me or take my certificate of indebtedness in a debt system. I have unlimited credit in every transaction per The government. Knowing that I credited the accounts I created and can not be in debt when I created the value.
Product: Mortgage

Shame on cfpb you did n't do anything monster SLS will Auctiin my home they never tryed to work out anything without attempts to help they sent my account to collection and they gave us 30 days to either pay {$XXXX} XXXX or they will Auction our home this is a shame embarrassment my husband was laid off ghen government shut down his school the stress put his health in great danger and myself i was diagnost with XXXX XXXX what 's going to happen to my XXXX with everything keeps happening all I need is to become home less we are waiting for his social security to come through government casss takes time XXXX SLS did n't do anything so many program they Justi want to take our home.
So when some one put in a difficult times or put on financial difficulty which caused by employer fact is there is no help government do n't care and all of these bank regulation and programs for mortgage assistance are just a joke I need help now Monster SLS is selling my home i need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company XXXX, XXXX, And Transunion. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that XXXX, XXXX, And Transunion remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of Fraud, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )
Product: Credit card or prepaid card

I was tryimg to close my account due to a low credit limit I was offer back in XXXX 2020 and capitol one refused to close my account because I have a open dispute with a merchant and the chargeback is in place but I wanted to cancel the dispute and have the charge rebilled back into my account I was told that I have to wait 90 days for a response which is stupid and I just want this account closed due to low credit limit and too many declines. and my credit score is good standings. close my dispute with Walmart XXXX ...
Product: Vehicle loan or lease

I called Westlake Financial, requested information such as auto loan interest rate, copy of the note, ( credit agreement ), and payoff. The agent stated they would mail the information to me. The call occurred 3 weeks ago, and I still have not received the information. I tried to access the account information online however their system will not let me create an account. 

The monthly bill sent to me is deceptive as it does not list my interest rate for the loan, or loan amount.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT - # 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 YOU 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

I was in a car dealership this month and got a notice on my XXXX  XXXX   monitoring and noticed RPM had inserted itself on my Credit Report. No notice was given by RPM, which they are required to give. I had to walk out of the dealer and am without a car right now as someone totaled my car. I am now unable to get a car because RPM without any notice of any kind inserted itself on my Credit Report. I have also retained an attorney who has sent letters to RPM and has yet to hear from them. No lawsuits have been filed yet. I want RPM to contact my attorney ASAP to work this out. His name is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX Please also see attached letter.
Product: Checking or savings account

I reported fraud charges while pending and the bank navy federal credit until let the charges go through. I then filed a dispute and they deemed the charges valid and I have not been refunded. Im not sure why the charges were cleared and now not refunded. 

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

Deletion for Failure to Investigate On XX/XX/year>, XXXX publicly disclosed a data breach involving the names and other personal data of Social Security recipients. Since this breach, XXXX has been responsible for investigating and disputing inaccurate or fraudulent information, ensuring compliance with all standards under the Fair Credit Reporting Act ( FCRA ). This includes adhering to regulations for data verification, data transmission, system validation, and dispute resolution. 
Despite this obligation, XXXX, through negligence and willful misconduct, has continuously failed to conduct proper investigations into disputes filed through the Consumer Financial Protection Bureau ( CFPB ), online channels, and mailed correspondence. The CFPB has documented instances where XXXX engaged in sham investigations, failing to adequately review consumer disputes and, in some cases, even reinserting previously deleted inaccurate information into consumer credit files. This pattern of negligence is evident within my personal credit file, where multiple disputes have been ignored, and required proof for deletions was disregarded. 
XXXX was provided deletion documentation from both XXXX and TransUnion but refused to take corrective action. The following accounts were officially removed by other credit bureaus yet remain improperly listed by XXXX : ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX ** XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly review the provided information and has not offered any explanation for why fraudulent accounts remain on my XXXX report after removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
This dispute has remained unresolved for over XXXX XXXX without proper validation or investigation. As such, these accounts must be immediately deleted, and all associations between my personal information and these fraudulent entries must be permanently removed. 
Final Demand This is not a request for review or modification. My rights have already been violated, and I have suffered financial and emotional hardship as a result. The only acceptable resolution is the immediate deletion of these accounts, with an official deletion letter sent to : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, United States This action must be completed within XXXX XXXX. Failure to comply will require a detailed explanation from the specialist assigned to my case, including full disclosure of the investigative process conducted. Any further failure to act in accordance with FCRA and CFPB regulations will result in legal consequences, with the responsible specialist held personally accountable for financial and emotional damages incurred. 
Immediate compliance is required.
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX in a private group by XXXX XXXX who was selling something and I paid through Cashapp to XXXX XXXX, but never received anything. This happened XX/XX/2024. The scammer used a XXXX XXXX number and XXXX will have the scammers real name and number. I reported to XXXX that the account for XXXX was fake but they did not remove it. I talked to Cashapp with in an hour of the incident and they refused to do anything. I contacted my bank, XXXX XXXX XXXX XXXX, while the charge of {$200.00} was still pending and they would not stop the payment.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX I received notification of unauthorized activity on my account from Venmo. I was in process of following their instructions to remedy ( change passwords etc ) and was froze out of my account. I have talked to 8 different customer specialists..been dancing in circles with them doing this and that and everything and still can't log in to my account. Keeps giving me an error code : apparently this is an issue with Venmo and their engineers can't figure it out. I can't log in..my card was cancelled and they have my funds. I have 11 different ticket numbers where they are working on it..which we now know is a lie.
Product: Credit reporting or other personal consumer reports

I have not been able to receive my reports as requested.
Product: Mortgage

I have a first and second note with Specialized Loan Servicing. I was able to get my first loan modification on my first loan and I am presently current but the second loan of {$140000.00} I have not tried to negotiate with the second because I am able to afford to pay for the first and that is why I did not intend to accept a modification because I was not able to afford another payment. Also I never knew that a second lien can be able to Foreclosed I was informed that it will be in my credit report and that I had an option to settle for a lesser amount of the debt.. I did offer them back then like in 2 years ago the amount of {$13000.00} but they denied the settlement, they just wanted to offer a loan modification. I am now getting notices that I will be Foreclosed I am in shock because as I mentioned I did not know that they are really Foreclosing on me when I am paying the first laon and I am current, and how can they Foreclosed on a Family that has been making payments on the Primary loan and the second loan is the lesser amount than the first and the Second is now Foreclosing on me. I am very surprised that the lender that has been receiving my payments every month since I was modified in 2018 I have not missed a payment and always on time and now the second loan is capable to just take away my Family roof. Why the Primary Loan is not able to stop this process agains our home. I called Specialized Loan Servicing and they said I can not get any type of help due that I am less than 30 days from the Foreclosure date and a Loan Modification is not an option, only to Reinstate my loan. How would they think I can come out with {$42000.00} to pay them to stop the Foreclosure. Please help me find a solution to save my home.
Product: Checking or savings account

Truist Bank is horrible. 

I opened the checking account in XX/XX/2022 and transfer {$2200.00} from my other bank. As soon as the deposit is done, the bank has blocked me says Truist needs my verification. They said i have to go to the branch which makes me drive 2 hrs from my house. I brought my drivers license and proof of address to the branch to show my identity. It has been 3 weeks and nothing resolved. I still can not get my {$2200.00} out from Truist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an open case on this # XXXX. I am going to upload my drivers license and ssn. I spoke to a customer service representative this morning and they said I have a fraud alert on there until next year which I didn't ask for. There was a suspicious fraud activity which I resolved myself. It was a debt consolidation company that popped up on my report from a year and a half ago. They removed the address from my report but the fraud alert is still in place. I confirmed what I needed to confirm with the rep and the voice prompts yet I still failed. I need the fraud alert removed. The file number that the Transunion rep provided me with is # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Checking or savings account

I got A piece of milk and it's sad that my account has increased and I did not recognize the account number. So I called the help number that was on there and they said that's the one they tried to open an account in my name. It was open for 24 hours and they noticed it was a fraud right away, so they crossed it.
Product: Debt collection

Was included in bankruptcy. Debt was bought out my a debt collection company and I disputed through credit bureau with no results. the debt was originally from XXXX to XXXX XXXX. and rereported XXXX
Product: Credit card or prepaid card

I have received several calls from XXXX XXXX XXXX a XXXX XXXX XXXX Did I make a online purchase for {$1900.00}. I argued with him but he was so persistent that He put his supervisor XXXX XXXX XXXX on the phone they sounded lagit but I was on the phone for an hour. Was asked to call XXXX # was told this was for fraudulent calls. Used a # XXXX from XXXX Finally the supervisor called from XXXX. I called Chase Fraud myself on a different phone and they said it was fraud. I got off the phone with XXXX. Chase has canceled my card and sending me a new one. This is the 3rd, or 4th time I have had this happen to me. Tired of the calls they need to be caught. There was a # XXXX called last year and about the same amount was said to have been on my chase card. 

I have contacted the Bank and have it taken care of. 
Thought you may be able to take further action. 




















3
Product: Student loan

I am writing to inform you that I have discovered unauthorized accounts that were opened in my name without my permission or knowledge. I believe this is a case of identity theft, and I am taking immediate steps to resolve the issue. I am requesting that you investigate this matter and take appropriate action. 
Below are the details of the unauthorized accounts : XXXXXXXX XXXX XXXX XXXX XXXX loan for {$6800.00} And another for {$4000.00} were taken Out. 
XXXX of XXXX on XXXX XXXX a loan for {$5300.00} And {$4000.00} a loan was taken out I discovered these loans XX/XX/2025 And they are unauthorized I did not open or authorize these accounts. They are fraudulent and were opened without my consent, potentially resulting from identity theft. As such, I request that these accounts be closed immediately, and any fraudulent charges or activities be removed from my credit file.Please consider this letter a formal request under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws provide the following protections : 1Fair Credit Reporting Act ( FCRA ), Fair Credit Reporting Act ( FCRA ), Section 605B : Under the FCRA, I am entitled to dispute fraudulent accounts and request their removal from my credit report. 
Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 : This law criminalizes the use of another persons identity to open accounts, and I request that you investigate this matter under these legal provisions.
Product: Credit card

I sponsored a credit card for my son, XXXX XXXX over 25 years ago when he was attending college. It has been several years since he paid off any charges and closed his card ; I have not had a credit card with USAA for over 20 years. USAA has reported corrupt information to the credit reporting companies that has resulted in me not being able to verify my identity to other financial institutions. When I attempt to login to XXXX XXXX Bank where I do not have an established pin, I am presented with about five series of questions relating to : residence, mortgage, employment and relatives that I am unable to answer because they are often related to my son 's activities. 
This situation has become untenable and utterly frustrating to me as I have been repeatedly thwarted with being unable to gain access to my finances and records. 
Yesterday, I attempted to establish a login with the Social Security Administration and was summarily denied because I could not answer the series of questions, some of which pertained to my son XXXX. 
I have contacted the XXXX credit reporting agencies and have not been able to clear the situation up. Specifically, XXXX informed me that some of the corrupt information would have to be retained until 2020 unless the originator cleared it up.