23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I rented a car and after returning the vehicle the rental car company made unauthorized charges to my account by stating the car was damaged.The amount of damages was highly inflated XXXX and they could not provide proof that I caused the damage or that the repairs were actually made.I notified my bank about this unauthorized charge that not only wiped out any funds I had in the account but was also hit with Overdraft fees.The bank states since I gave the car rental company my card information they could do nothing for me and also refused to reverse/cancel the Overdraft fees stating it was my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been disputed multiple times, and each time the accounts are updated as verified. I have requested on multiple occasions for proof of verification due to these being medical debts that I have no knowledge of, and I have yet to be provided with copies of these verifications! I am requesting these accounts be deleted immediately from my report for failure to comply with correct protocol on supplying proof of the listed debt! 

XXXXXXXX XXXX XXXX  XXXX : XXXX Amount : {$1200.00} XXXX XXXX XXXX XXXX Amount : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX and   XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again that these items be deleted from my credit report. I have called and spoke with a rude representative that would not let me explain the situation and kept cutting me off. Please remove the information attached to this identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX   XXXX XXXX GA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 2. Account Name : XXXX XXXX Account XXXX : XXXX 3. XXXX ( XXXX XXXX : XXXX XXXX Bank ) Account Number : XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX 5. Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX Account Number : XXXX 9. Account Name : XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX 11. Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Debt collection

Radius global I called and tried to square away my situation with them and they got very rude with me so I also got rude
Product: Credit reporting

XXXX XXXX XXXX has informed me that they are excited to let me know that they have received the Initial Approval on my loan to refinance. They included in mortgage documents an XXXX XXXX XXXX credit score and the price I pay for credit sheet dated XXXX/XXXX/XXXX. 
1. Page XXXX shows EQUIFAX reports a score of XXXX as of XXXX/XXXX/XXXX. Page XXXX of this credit score sheet shows Key factors that affected my credit scores. These key factors appear to be verbatim to information reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now in XX/XX/XXXX. 

EQUIFAX 'S KEY FACTORS Serious delinquency and derogatory public record or collection filed Length of time since derogatory public record or collection is too short Proportion of balances to credit limits too high on revolving credit accounts Too many inquiries in the last 12 months The number of inquiries has adversely affected the credit score. 
Letters submitted on or about XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, am d XXXX/XXXX/XXXX disputing these horrific key factors. Consumer Finance Protection Bureau ( CFPB ) file numbersXXXX, XXXX AND XXXX have been filed disputing these very same key factors. EQUIFAX did not respond to Case number XXXX as they suspect that it may have been submitted using a credit repair company. Their suspensions are in error. This case was submitted by customer. After reviewing Equifax credit file # XXXX dated XX/XX/XXXX, ( XXXX pages ), it reveals the information provided by EQUIFAX does not support any of these absurd key factors.
Product: Credit reporting, credit repair services, or other personal consumer reports

These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the  Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
Product: Debt collection

AFM Financial of XXXX, NJ., is holding a medical debt I owe. Our agreement is that I apy {$50.00} per month. I normally receive a letter/ statement monthly that reflects payment & balance. 
I have not received a statement for the last two month 's ( XXXX & XXXX 2016 ). When I contacted AFM, they stated if I miss a payment, or am late with a payment, they are no longer required to send a statement, that it is up to me to remember to make payment and it is up to me to keep track of the payments made and updated balances. I was late with my XXXX payment ( I inadverently placed the check in an envelope for another bill ). When I discovered this, I contacted AFM and spoke to an associate, a woman I believe named XXXX. I informed her what happened, that I was mailing the check as soon as we hung up which I did.XXXX thanked me and stated that in looking at my account I was diligent, had not missed a payment previously and would make note on the account of our discussion & actions.XXXX thanked and I thought that was it. I called today ( XXXX/XXXX/2016 ) and spoke to a XXXX.XXXX informed me that he is not required to send a statement any longer once I miss a payment. I have had issues over the past year with not getting statements and answeres varied to it 's going out shortly, to it was mailed ( never stated the mailing date ) I was also informed todat by XXXX his system shows multiple missed payments.That is not true and now wants me to go back and provide bank statements, which I will but it is unfair.If a payment with a creditor is missed you normally would receive a second notice, etc.That has never happened.I should receive a monthly statement, I feel this unfair and abnormal.And I have record them to protect my credit or for tax purposes.I am also on long term XXXX/ social security due to the medical/ health issues that wound up with a balance from a hospital that is the cause of being placed in collections.Under XXXX I have a 50 % reduction in my income.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I processed payroll with what at the time I thought was a reputable company. I am a small business with legal entity as an LLC and wanted to pay my contractors through their service. One amount was for 3000, other for 2800. My contractors never got paid and square took the money out of my account and never sent me an email to confirm anything. 4 months later after too many calls and emails they still have never responded nor returned the money. Even after their 60day hold policy for unsuitable businesses as they say. We are legit company and have everything up to date. We have followed up via phone and email and nothing yet has been resolved. Customer service suggested to file fraud against my bank but they told my bank that I approved this charged so my bank closed the case. Please resolve my case.
Product: Credit card

I signed up for the XXXX XXXX XXXX XXXX and the website said XXXX points. I did not get XXXX points, I got some combination of XXXX points and {$200.00}. When I reached out to them they told me they advertise XXXX points on the website and yet somehow if you try to book a flight and sign up during that transaction you get some unadvertised offer that was never communicated. They refused to give me what I wanted. This was their reply : Thank you for contacting us about your XXXX XXXX  XXXX XXXX. We can certainly address your inquiry regarding the introductory promotion on your account. 

The XXXX miles with a {$200.00} statement credit you received is exclusive on XXXX 's website when you are viewing a flight booking and applying for our card within the booking portal. You can verify this promotion by going to XXXX 's website and attempt to book a flight. Towards the end of the booking, you will see the option to apply for our credit card. When doing this, do not log into your XXXX account and do not complete the booking or submit the credit application. From there, you can view the current promotion only available in the booking path. Alternatively, when you're not viewing a booking an introductory offer is for miles bonus only on XXXX 's website and our website. We apologize for the confusion this has caused. 

A rewards case has been opened by a previous agent regarding your concern. You can certainly wait for our rewards team to confirm your introductory offer. Your rewards case will be worked in the order it was received and can take XXXX to XXXX billing cycles to complete from XX/XX/2023. Once your case is completed, you will receive a letter in the mail regarding the outcome in XXXX to XXXX business days. However, you can reach out to us at any time regarding the status of your rewards case. 
You may view the {$200.00} statement credit you received on your XX/XX/2023 statement. To view your statements online, please select the Activity & Statements from the homepage and click the Statements link. Then choose the statement you wish to view from the drop down list of available dates and then click the blue Download button. 

Thank you for understanding this matter and for your new business. If you have any other questions or concerns, please reply to this message. 

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

XX/XX/2022 I have a freeze on file with chexsystems, I called their consumer report phone number line XXXX XXXX XXXX to ask if an bank disregarded the freeze on my account and opened an account anyway. The specialist told me I had to call the consumer relations number XXXX XXXX XXXX. When I called that line I was sent right back to the freeze department twice who told me they could not assist me and to call that XXXX number again. the initial call was placed at XXXXXXXX XXXX XXXX, the other two calls started at XXXX XXXX XXXX  I have finally given up as I can not get the information required to determine why XXXX new accounts were opened in my name. XXXX XXXX XXXX XXXX, and now XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this credit card over 45 days ago. This credit card should be listed as closed, paid, or removed on my credit report. 

Accurate information is required to be verified by all credit bureaus based on the FCRA.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Credit report and noticed i had fraudulent accounts on my report, please remove. Please remove these accounts from my report, they are hurting my ability to obtain Credit.
Product: Checking or savings account

Nothing really they decided just to close my account. They owe me money. They did send me a {$120.00} check thinking that would solve the problem. But no that's not good enough.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the claims of civil liability for negligence under section 6081-o as outlined in the notice I received from Equifax on XX/XX/2025. 

The claims made in the notice are, I believe, inaccurate and do not comply with the legal requirements as stipulated in section 6081-o. I have attached the necessary documentation and evidence that demonstrate compliance with all relevant laws and regulations.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) do 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I responded to an ad on XXXX about a rental property in XXXX ( XXXX ) The scammers posed as XXXX and XXXX XXXX who were subletting their apartment on XXXX XXXX XXXX XXXX After paying an application fee of {$35.00} via XXXX I was sent a paper application with the address of the property as well as the contact info of he owners. The application looked legitimate to i filled it out and sent it. I was contacted via text and was told of the deposit of {$270.00} XXXX XXXX ) and the prorated rent of {$370.00} ( XXXX ) and a parking/amenities fee of {$99.00} ( XXXX ). I paid the prorated rent of {$370.00} via XXXX to XXXX XXXX, " wife '' The scammers attempted to get me to use XXXX XXXX and XXXX XXXX to receive all payments. 
After difficulty I told them i could use XXXX and they sent invoices which led me to believe they were legitimate. I was told of the lockbox location for the keys after paying the fees, i was also told that a bed would be provided. When asked about when the sublte agreement would be sent, he said the next day. on XXXX i inquired about the lease agreement he said his wife would send it, after a second inquiry he said he would check again. The next day XXXX, i drove to the property in the morning to see if the lockbox was at the front desk like he said. 
The property required a FOB to get in. I emailed the property to verify if Suite XXXX was legitimate as stated on the application. i was contacted by a member of staff at XXXX XXXX XXXX who told me that the suite did not exist and that XXXX and XXXX XXXX were not residents there. They also told me that this has become a growing problem with their property and they have contacted XXXX to take down the listing I then immediately filed disputes with PNC Bank, XXXX and XXXX for the money that was lost. The President of XXXX sent a letter that verifies that the listing on the application is false.
Product: Credit card

my husband added me as an authorized user on his account with his capital one credit card. M husband lost his job and stopped paying on the card and it went to collections. I recently went to apply for a small loan and was told that it was showing on my credit report that I was delinquent on my payments with capital one. I 'm only an authorized user. My husband called capital one and they confirmed this and stated that I needed to contact the credit bureau. I want to get my credit fixed and this off my credit reports ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two letters for two accounts via verified mail requesting that within 30 days I receive verification of my account with an original consumer contract containing my signature. In response I received bank statements
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ), the Department of Government Efficiency ( DOGE ), XXXX XXXX ( a private citizen of the United States ) and his associates. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 

My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Debt collection

I do not recall ever doing business with XXXX XXXX. I also didn't receive documentation prior to the debt being listed on my credit by this company. Another company couldn't verify this information as it is fraudulent now this company ( national credit adjust ) has relisted the same account on my credit. I would like valid proof of some original documentation with my signature that this account belongs to me.
Product: Debt collection

Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt associated with the account referenced above. Before I proceed further, I must stress that this is not an acknowledgment of the debt, but a request for validation and verification as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Per my rights under 15 USC 1692g ( a ) ( 2 ), I am formally requesting that you provide me with the name of the original creditor of this account. Additionally, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed information regarding the amount of the alleged debt, as well as a breakdown of how this amount was calculated. Please note that this request is solely for validation of the AMOUNT of the alleged debt, in accordance with 15 USC 1692g ( a ) ( 1 ). 

Account Details : Account Name : XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Closed. {$1100.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} ( Balance updated XX/XX/XXXX ) Furthermore, I request that you cease all collection activities until such time as the requested information has been provided and the debt has been validated. Failure to comply with these requests may result in legal action being pursued against your agency. 

Please be advised that any further communication from your agency regarding this matter must be in writing and sent to the address provided above. 

Thank you for your prompt attention to this matter.
Product: Credit card

I opened a previous account against synchrony bank ( XXXX ). I was never late with my payments nor missed a payment. The XXXX XXXX XXXX said I could pay it off by paying my final payment of {$54.00}, yet she indicated to you that the account was closed with 'relief ' of {$49.00}. My bank statement clearly shows {$54.00} paid to Synchrony Bank as final payment, incident number : XXXX. You were deceived. Not a problem. Moving forward, yesterday I used my synchrony card to make a purchase at XXXX Spaces... I was denied. I left two messages for XXXX XXXX XXXX asking her why they denied my purchase. My credit score was excellent. I was never late making a payment with synchrony, and I never missed a payment except when synchrony asked me to hold a payment until an investigation regarding a charge was complete. 

I need to know is this revenge because I filed a complaint with you. What reason could they have for denying my living spaces request, it's only {$500.00}. Thank you.
Product: Checking or savings account

I called my bank on today what is Suntrust and I was calling about my check cards theyre trying to tell me that the information that they have a new system doesnt match the billing ZIP Code and I said what half that possible when you all send me my statements to the same address every single month. So I just love how Suntrust took it upon yourself to change it in the system the address I have for one card should be the same address for the other car but somehow mysteriously the addresses got changed Im not understanding hot as possible it is been the same address when I open up the account three years ago