23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In the summer of XX/XX/XXXX, the federal student loan provider was changed from XXXX to XXXX. All my information was transferred from XXXX to XXXX. However, the information which was pertinent for Income Driven Repayment ( IDR ) was not transferred, and XXXX is unable to let me know any details as to why my payment was calculated at $ XXXX/mo with XXXX, and that their calculation method was the same, but my payment is now $ XXXX/mo despite earning less money. According to XXXX 's version of my monthly payment, I was to pay {$50.00} per month. The information that XXXX used was in accordance with my XX/XX/XXXX XXXX. I earned around {$59000.00} AGI on this statement. When my loan was transferred to XXXX, I had to re-certifiy my IDR for this year. To do this, I submitted my XX/XX/XXXX XXXX, where I made {$10000.00} less than XX/XX/XXXX. XXXX says my new payment is around 130 % higher than what I was paying ( {$130.00} ). This is despite earning less money. I have spoken with numerous representatives, and they will not allow me to go past the given representative. No one will give me a good reason as to why my payment went up because they " dont know what XXXX did ''. If XXXX calculates the same, my payment should really have gone down as I earned less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out on my credit report that pay pal smart reported me for being late on my payment which was {$3.00} dollars and something cents. I did not realize Pay Pal and Pay Pal smart were different company. I explained everything to them payed the bill with interest it came to {$12.00}. They said they would fix my credit reports and m take off the negative mark and put account back in good standards. Well that never happened. I have called them numerous times to fix this issue. It has dramatically affected the three major credit reporting agencies.. I has caused me problems getting a car loan and a new mortgage. I was persisted in talking WITH THEM AND THEY SENT ME A LETTER ON XX/XX/XXXX STATING THEY WERE GOING TO FIX THIS ISSUE WITH ALL REPORTING CREDIT AGENCIES. WELL ITS NOW XX/XX/XXXX AND NOTHING HAS BEEN DONE. THEY ALSO SENT ME A LETTER IN XX/XX/XXXX REPORTING BACK TO THE CREDIT REPORTING COMPANY 'S THAT THERE HAS BEEN NO MORE NEW INFORMATION AND THE REPORT STAYS AS IS. THIS IS WRONG. ITS BEEN ALMOST A FULL YEAR AND I HAVE NOW TOO MANY INQUIRIES THEY HAVE CAUSED ME A LOT OF DAMAGE PAIN AND SUFFERING DUE TO BEING DENIED CAR LOAN AND ETC. I WANT THIS FIXED AND I WANT TO BE AWARDED A SUM OF {$5000.00} FOR MY PAIN AND SUFFERING. 
THANK YOU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter with accounts that have dispute remarks, I am no longer disputing these accounts and would like to remarks removed
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
Product: Debt collection

This lvnv debt was not from XXXX but from XXXX. They just keep updating it. It is no longer collectable in Oregon after 7 years so they change the original date to make it look recent.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Checking or savings account

Details of Incident : Bank Name : Citibank Account Number : XXXX Date of Incident : XX/XX/year> Branch Location/Online Service Used : Citibank On XX/XX/year>, I was informed by Citibank that my account had been flagged for fraud. This accusation was entirely false, and I immediately provided documentation and evidence to prove that there was no fraudulent activity occurring on my account. Despite this, the bank has maintained that there is an ongoing review, and has continued to withhold access to my funds, effectively freezing my account. 
During this time, Citibank even approved a check while my account was closed, adding to my confusion and frustration. This action appears contradictory, as the bank is withholding access to my funds while still processing outgoing transactions. I have received no clear explanation for why this check was processed or why my account remains restricted. 


As a result of the banks actions, I have been unable to access my funds, which has caused significant harm to my financial well-being. I rely on these funds for essential living expenses, including rent, bills, and daily necessities. The prolonged withholding of my money has caused emotional and financial distress, and I am deeply concerned that this may have occurred as part of discriminatory treatment against me. 

I believe the banks handling of this situation violates my rights as a consumer and has resulted in damage to my well-being
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit 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 consists of a personal credit card account XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( XXXX ) a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a personal loan account opened at XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) a personal loan opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of ( {$46000.00} ) a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under account number XXXX that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a maintained by you which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have already made XXXX complaint against Huntington Bank about my families mortgage. 
We have lost our house to the bank which was unfair and should have never happened and now we are getting notices from Huntington Bank telling us we need to insure the house we DO NOT own since XXXX XXXX of 2015. I have contacted Huntington Bank about this notice and was told that there is NO record of the Forclosure in the Huntington Bank records at the higher up building and they make a note of this Forclosure. We have now received a second notice telling us to insure the house that Huntington Bank has bought at the sheriff sale in XXXX of 2015. We would like to move on with forgetting what was done to us since we lived in this house for 23 years and we was pushed out with NO legal right to do so.
Product: Checking or savings account

I initially tried to withdraw funds from a sub-account in early-mid XX/XX/2025. There was an issue with " XXXX '' and I gave account information to a representative for withdrawal as a previously linked account was closed. I eventually linked a different account and " XXXX '' was successfully linked. this was after about a week or so of going back and forth, support tickets closed with resolve, language barrier, having to update every support call with the same information to no resolution. 

The initial amount I had requested to withdraw eventually got transferred into another newly-created sub-account instead of disbursed. After a few days it disappeared from any account on the app. 

I still had another small amount within the app and proceeded to close the entire account on or around XX/XX/XXXX ( XX/XX/XXXX it still shows active after closing, so I think they will attempt to withdraw from me again ). It has been a back-and-forth since then regarding getting any disbursement from them. 

I have attached the most relevant email threads, there a lot of them that are tickets that were closed by Bright money and claimed as " resolved ''. 

I will get a confirmation of funds being disbursed, nothing for a few days and then a request if I want the funds disbursed to the confirmed account. The ticket closed and nothing happens. I reopen the ticket and it will get escalated and the same conversation happens again and again... I will verify accounts and id ( if the link hasn't immediately expired ) then hear nothing for a few days, get a response in the middle of the night and the ticket closed again. 

So it's been a month of trying to get any funds from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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/2021 XXXX XX/XX/2021
Product: Credit card or prepaid card

On XX/XX/XXXX I send money via XXXX which is link to my Chase Freedom Credit Card I send money to XXXX XXXX for {$600.00} I did not purchase or receive any kind of Service. 
I was chatting with a person in the Internet and I was told in order to set up a meeting I would need to send money for {$600.00} to XXXX XXXX. 
Later I discovered that it was a complete Scam there is no meeting. I Immidietly inform my Bank Chase and XXXX to cancel Transaction. I was issued a Refund via Chase Freedom and the Transaction was canceled. 
Then on XX/XX/XXXX Chase Freedom process the {$600.00} Transaction of the money I send to XXXX XXXX and the refund was canceled. 
I called and set up a complaint. Chase is in Favor of XXXX claiming charge is Valid. 
I set up a complaint. XXXX didn't want to do anything.
Product: Credit reporting or other personal consumer reports

I am Listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from y Transunion. Credit Report. I had a call with the company and the credit reporting agency advised to file an identity theft report for deletion. I requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Checking or savings account

I been told that i will receive bonus deposit of XXXX dollars if i open the account but instead they took all my deposit amount of XXXX dollars from the bank account
Product: Debt collection

Hello I had a charge on my file for XXXX XXXXXXXX as the original creditor on or around XXXX of XXXX. That was taken off of my credit file after disputing. 1 month later my credit file updated to a portfolio recovery as the debt collector and change the name of the original creditor from XXXX XXXX to XXXX XXXX XXXX. So it no longer shows XXXX  XXXX but XXXX XXXX  on my credit file. I have sent out several disputes letter to all 3 credit bureaus and portfolio recovery as well asking for original sign agreements that I supposedly have with them or XXXX  XXXX. They only sent out account balance sheet from XXXX XXXX. But hasn't sent me or the credit bureau proof of legal sign agreement with XXXX or portfolio recovery. Can you please investigate this issue and have them to send ORIGINAL SIGN DOCUMENTATION FOR AGREEMENT that I legally owe portfolio recovery or XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS STILL VIOLATION OF MY RIGHTS HIPPA, CRA
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DisputedInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received my very first commission check in early XXXX. It was for {$3200.00} and it was drawn on a local XXXX XXXX XXXXXXXX account from XXXX XXXX XXXX. You cant get more trustworthy than that but I was told there had to be a ten business day hold until they would release any portion of the funds, even though Ive had a balance around {$30000.00} for a good part of the year. They said the person who wrote the check was suspicious. 

I was able to use my XXXXXXXX XXXX but what if I didnt have those resources available? They would have ruined XXXX and put me in a very bad position with my bills.
Product: Checking or savings account

I called Credit Karma Spend due to my account being involved in fraud. I gave them several transactions that were not approved or accessed by me. There was thousands of dollars missing from my account. They told me they were sending me a provisional credit for {$2600.00} and then they told me they denied the credit and reversed it. They have closed my account where I cant see anything that is going on in my account! I cant see transactions, statements, or access anything in that account. I have requested these items and requested my email be changed. They have done none of this! I have appealed the decisions they made and told me they will let me know in 2-3 days, but arent sending me anything or anyway of giving them proof that these werent made by me! They owe me several refunds! {$400.00}, {$5100.00}, {$700.00}. All I get is a run around that they will send to their review department. They dont send me anything! I need help. They are a fraud! Stealing peoples money and not having to give it back! They tell me I will receive money and dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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 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 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Payday loan, title loan, or personal loan

Installment loan of {$520.00} was paid off and the company deposited the amount {$120.00} and {$400.00} was on the credit card. The company closed the account completely and have not reimbursed me the {$400.00}. I have been calling daily and have not been able to get in contact with the company. Holds times are hours at a time. I want to be reimbursed for the {$400.00}. Now, its tell me to pay the minimum of {$25.00} and available will be {$370.00} on the website. I would like this account to be closed and refunded. Requesting that the company do not report anything negative to my credit report.
Product: Credit card

Dispute of {$100.00} and {$460.00} " cash advance fees '' made to unknown merchant XXXX on XX/XX/XXXX I disputed any charges made on XX/XX/XXXX immediately after I got a fraudulent alert message from Citi and they said they'd check into it and reversed XXXX charges on following day ( which I had not see the prior day ). They sent me a new Citi XXXX XXXX On XX/XX/XXXX I received letter from Citi that stated these charges were not fraudulent. They failed to provide any information on tracking this merchant XXXX XXXX XX/XX/XXXX I sent a detailed letter to Citi explaining all that had happened and why I disagreed with their decision. 

On XX/XX/XXXX I saw an unexpected charge on my XXXX Citi XXXX and Called XXXX at XXXX Am XXXX on sudden charge of {$33.00} I saw on my Card. She said this was a cash advance fee related to the apparent cash advance payments of {$100.00} and {$460.00} made to XXXX that I had disputed. She said she would reverse the charge and that I should talk with the fraud department on the status of receipt and action on my XX/XX/XXXX letter. 

On XX/XX/XXXX at XXXX PM I got connected to the XXXX Department. They said they would re-open my case. 

On XX/XX/XXXX I received an email from Citi that stated they would re-open my case ( see attached ). 

On XX/XX/XXXX I checked my Citi card balance and they had not revered the {$33.00} charge and had added a {$13.00} interest charge related to the XX/XX/XXXX charges. 

ON XX/XX/XXXX I called Citi spoke with XXXX and he said yes they had re-opened the dispute but had decided the dispute was invalid so they had closed the case once again. I asked to talk to supervisor and talked with XXXX. XXXX they would further investigate but that actually originally I should have disputed the charge with the dispute department rather than fraud department. But he reopened the case with case numbers XXXX for the {$100.00} and XXXX for XXXX {$460.00} charge and offered {$100.00} valuable customer credit for my trouble. 

On XX/XX/XXXX I went to my Citicard account to see if I could actually dispute the charge like I was told to do, and saw I could not dispute the charge because it was already closed out. 

I have no confidence that Citicard will reverse the XXXX charges so I need help resolving because I am just getting the run around.