23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am a XXXX % XXXX Veteran and I am exempt from XXXX and medical bills, and the credit reporting agencies have XXXX and medical bills on my report that they will NOT remove. # XXXX complaint is being ignored, I contacted them 4 times via mail and online, and they always have excuse not to remove the inaccurate, obsolete and noncollectable information from my credit report. Same for # XXXX, and # XXXX-Experian. I sent them a as follows : 1. Copy of my FTC Fraud package, 2. Military I.D., 3. My driver 's License, 4. My Social Security Card, 5. Copy of my current apt . lease, 6. My letter of registration from XXXX Idaho car for Plates and title, 7. My social security card. 8. Copy of my XXXX ( military pay stub ). And they still say they need more Identification or that they contacted the creditors and the debt is valid, even though I am exempt from the debts on my report because I am a XXXX % XXXX Veteran. They are using delay tactics and son, please assist me. I have XXXX plus pages of information I sent them, I will try to upload them on this site if not I will send vial mail with the reference number I get at end of this complaint, plus the credit reporting agencies have the copies as well. I give you permission to have them send to you for this investigation.
Product: Debt collection

I am deeply dissatisfied with your failure to correct and remove inaccurate, incomplete, or unverifiable information from my credit report despite numerous requests and evidence provided. This negligence directly violates my consumer rights and calls into question your bureau 's integrity. 
I demand immediate action to rectify this situation and ensure that my credit report reflects accurate and verifiable information. The following accounts are reporting inaccurately and must be deleted promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is inaccurate, as no case was tried or seen, and no judgment was made. Please remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

US AUTO FINANCE/US AUT XXXX Balance {$0.00}
Product: Debt collection

XXXX  legal group has bought my credit information from Bridgecrest acceptance. I gave bridgecrest the auto because the transmission went out on me on a busy bridge which could have cost me and my kid our life. They promised me that they would not share my information but yet they sold my information to XXXX legal. Now XXXX legal is threatening to sue me for a car that bridgecrest has sold again.
Product: Debt collection

Conn 's rep called 4 times per day even after I paid the bill Conn 's is known to charge you {$2000.00} and actually report you owe {$4000.00} on furniture Harrassed me at my job
Product: Vehicle loan or lease

I have filed two complaints with documentation against Santander Consumer ( please refer to XXXX and XXXX ). Santander has not provided full and specific answers requested in the prior complaints, hence my current complaint. This process is a farce because Santander 's responses to CFPB complaints is not reviewed or evaluated by CFPB for accuracy and completeness. Thus, CFPB only serves as a point of contact for Santander and the complainant. Hardly helpful when Santander is a rogue organization flouting the law and good business practices. Therefore, in response to this complaint I request that Santander provide the correct department, address, etc. to whom they want a draft copy of a Federal Court Complaint to be delivered. This lawsuit will set forth the facts included in the two prior CFPB complaints, the responses by Santander, and the specific relief sought in the action. The response to this CFPB complaint will be included in the record of the pending Federal Court action. It is regrettable that the CFPB is not better equipped to protect the public from financial misdeeds by bad actors like Santander, whose record of abuse is well documented. This is just another instance which has not seen the light of day, but that will change.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX Trans Union is Reporting a late payment for XX/XX/2022 for XXXX. Also theyre reporting the wrong amount that was paid. 

These Bureaus have not verified or deleted XXXX XXXX XXXX from my credit report. These are not my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, Experian and XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXl, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXo, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXk XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with  XXXX  and Transunion.   XXXX   has deleted the incorrect entry on my credit report. There is an incorrect entry on my Transunion and   XXXX   credit report for   XXXX   XXXX  . It 's showing a charge off for {$19000.00}. This is not my credit card. I have provided all  XXXX  credit reporting agencies proof that this account did not belong to me. Only  XXXX  did the proper thing and delete the wrong information.     It sickens me that Transunion and   XXXX   seem to be comfortable with knowingly reporting inaccurate information on my credit files. It almost makes me feel like they have something to gain by neglecting to do what 's required by law. Otherwise, I do n't understand why they have n't erased the entry. I never applied for that card, never signed a contract for the card, yet its on my credit report and they refuse to take it off even after I have proven to them it 's not mine.     If it continues to remain on my report 15 days after they receive this complaint, I will file suit in small claims court for damages as outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

As a knowledgeable consumer, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to formally dispute the handling and reporting of Account # XXXX  XXXX linked to my credit file. 

Upon checking my credit report, I noticed the account mentioned above was marked as closed in XX/XX/XXXX. However, even after receiving confirmation of its deletion on XX/XX/XXXX, I found it was still reported on my credit file beyond the statutory period for such reporting. This overstep violates the timelines outlined by 15 USC 1681c-2. 

This delay and misreporting not only breach the FCRA but also infringe my rights under 15 USC 6802. The account, once closed, should not have been reported or misrepresented in any subsequent credit reporting. This mistake suggests a procedural error causing significant mental and financial distress. 

Moreover, the ongoing reporting of this account infringes my rights under 15 USC 1611. As per 15 USC 1692g ( c ) ( 2 ), I can seek monetary relief for each violation of these laws. It's important to note that such credit reporting inaccuracies can deeply and permanently affect a person 's creditworthiness and financial stability. 

I request compensation for the distress and potential financial impact these violations have caused. According to the FDCPA and FCRA, I can claim statutory damages of up to {$1000.00} per violation, plus any actual damages suffered. 

Please note that if these issues are not promptly resolved, I may be forced to take further legal action to protect my rights and seek all remedies available under the law.
Product: Checking or savings account

Capital One placed my account on hold on XXXX to review a transaction of {$800.00} to ensure it was not fraudulent. The check cleared and I kept asking for more information. They informed me that it would take approx 5 days. I called back daily and got nowhere. Today, XX/XX/11 I was informed they have closed my account with {$1200.00} still remaining in it. I have asked for my money back numerous times and no one will give me any information other than it will be eventually mailed. This has caused numerous bills to not be paid and now I have late fees on all of the bills that were due. The bank holding this money has put my family in an extreme hardship that is spiraling due to all of the late fees. I dont want to become homeless because of this.
Product: Checking or savings account

on XX/XX/year> i used my Found Business checking account app to send an invoice to XXXX XXXX in the amount of {$2500.00}. i was with XXXX XXXX at the time the invoice was sent and XXXX XXXX paid the invoice at the time while i witnessed the transaction process. the {$2500.00} was deducted from XXXX XXXX account. and the transaction was complete on his end. 

I then checked my account on the Found banking app and the money was not there. i waited a few days and still had not received the funds. 
after contaction customer service i found out that Found bank uses a payment processor called XXXX and i contact them about the {$2500.00} payment. 

i fount the website at XXXX  and was able to log in to my account using my Found Bank login info. and it said that payouts were on hold until i verified my information. 
I sent everything they requested on SEVERAL different occasions and they still wouldnt process my {$2500.00} payout. 
I emailed their customer service because the phone number to XXXX is not found i=on their website that i could find. after several days i got a response saying that they have refunded all the transactions that they would refund and that they were closing my account and no further refunds would be issued. 
i logged ino my account at XXXX and saw that there had been a " early Fraud Warning '' alert ' on the {$2500.00} transaction from XXXX XXXX. 

XXXX will not respond to my emails as to why or when ill get my money and on my account it will not allow me to process a refund to the customer. 

after several days of not hearing from stripe.com i told XXXX XXXX to file a dispute with his bank for the transaction. Im unsure of the reason but XXXX XXXX tikd me that the dispute was denied and he did not get the money back. 

XXXX  has had a hold on the {$2500.00} since XXXX of 2024 and it has been XXXX  months. they will not respond to my emails and i have no way to get in touch with them because every time ive asked for a phone number i either dont get a response or they refuse to give the the number. 


also at the beginning i was unaware that found would be outsourcing this payment because on their website it states that the funds would the immediatey avail in my accunt
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS. 

ALSO, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS. I HAVE TRIED TO FIX THE PROBLEM SEVERAL DIFFERENT TIMES. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

I HAVE SUBMITTED MULTIPLE FTC REPORTS, I HAVE SENT IN SEVERAL DISPUTES. IF THESE ACCOUNTS ARE NOT DELETED FROM MY CREDIT REPORT I WILL HAVE TO SUE TRANSUNION {$1000.00} PER EACH VIOLATION ON MY CREDIT REPORT. IF THIS ACCOUNT IS NOT DELETED IN XXXX BUSINESS DAY I WILL START THE PROCESS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX * Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Re : Dispute Resolution - Removal of Unverifiable Account from XXXX  * * Dear Sir or Madam, I am writing to inform you of the successful dispute and removal of a {$12000.00} from Credit Acceptance charge-off account from my XXXX  credit report. The account was deleted as a result of the investigation conducted between XX/XX/2025 and XX/XX/2025, XXXX XXXX collections account was removed from my credit report. 
It is my understanding that XXXX  has verified the account as unverifiable and has accordingly removed it from my XXXX  report. I am requesting that the same action be taken by all other credit reporting agencies ( CRAs ), including XXXX XXXX Given that the account has now been deleted from XXXX, it is my right to have it removed from all other credit reports as well. 
As a consumer, I am protected under the * * Fair Credit Reporting Act ( FCRA ) * *, which mandates that all information on my credit report must be accurate, complete, and verifiable. The FCRA, specifically * * Section 1681i * *, gives me the right to dispute any inaccurate or unverifiable information, and once an item has been disputed and deemed unverifiable, the CRA must remove the account from my report. 
I request that you take immediate action to remove the unverifiable {$12000.00} from Credit Acceptance charge-off from my credit report within * * 30 days * * or less, as required by the * * Fair Credit Reporting Act * *. If this account remains on my credit report past the 30-day window, I will consider this a violation of my rights under the FCRA, which could lead to further legal action.

Furthermore, under the * * Fair Debt Collection Practices Act ( FDCPA ) * *, I am entitled to protection from any attempt to collect on unverifiable or improperly reported debts. If you fail to remove this account within the legal timeframe, I may have grounds to file a complaint with the CFPB and/or pursue legal action for any damages I may suffer as a result of inaccurate or unverifiable information remaining on my credit report. 
Please confirm in writing that the unverifiable account has been removed, or inform me of any further steps required to ensure its deletion. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting

On my credit report it states that I have a magistrate court judgment in XXXX XXXX that is scheduled to continue on record until XX/XX/XXXX. I settled my civil claim on the XX/XX/XXXX. I have endured hardship from this being relevant on my credit report. I have unsuccessful to receive apartments, jobs, and finances.
Product: Consumer Loan

I paid off a XX/XX/XXXX from AutoTrakk XXXX. The agreement was XXXX dollars to close the account. I kept the arrangement and paid the monies as requested. Auto Trakk updated the credit report to say Paid, Closed. However Since then Auto Trakk has been reporting on my credit report for 10 months last reporting was XXXX. Causing my credit score to go down XXXX points
Product: Mortgage

We have been in. Financial hardship for the last 15 months due to a business loss- we applied for loss mit earlier this year and were approved in XXXX. however we lost the funding, since then we have applied again after receiving mail stating we had options. Email from XXXX says they will not process another packet - proof attached Our most recent loss mit application has been ignored and our servicer is continuing with a foreclosure sale date- ee have applied 2 outside agencies to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of  XXXX , I recevied my full, free annual credit report. It showed an account in collections from a company I have never heard of,  XXXX   XXXX , on behalf of another company I have never heard of called   XXXX   XXXX    of  XXXX . I reported this to Equifax,  XXXX , and   XXXX    as an error.      XXXX  and  XXXX  immediately removed it from my report. Equifax did not. They reported to me that   XXXX   XXXX   verified the debt of {$150.00} to them.     I contacted   XXXX   XXXX   directly to dispute the debt. They informed me many weeks later via written letter that they could not confirm or deny that the debt belonged to me due to HIPPA regulations and directed me to contact  XXXX   XXXX  of  XXXX  directly to dispute the debt.     On  XXXX   XXXX ,  XXXX  I wrote  XXXX   XXXX  of  XXXX  a letter, delivered by  USPS , to dispute the debt and ask for any documentation they have to support their claim that the debt belongs to me. They have not responded to my request in any manner, but my current Equifax credit report states that     XXXX   XXXX   is still claiming I owe them a debt of {$150.00} as of  XXXX   XXXX ,  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

For 7 years, I have had credit card accounts with Barclays that earns frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Barclays credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Barclays, as well as submitting proof of my business through requested documents. I used the credit cards daily for purchases and earned frequent flyer miles. Now, Barclays says that it is 100 % not involved in the decision by XXXX XXXX to close the accounts of many frequent flyers. Barclays has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Barclays claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Barclays claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Barclays for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Barclays fails to honor or to enforce in any way. Barclays claims ignorance regarding its own products and refuses to protect its own customers.
Product: Debt collection

I am writing to formally dispute items reported by Experian on my credit report that have not been validated as required by law. I have requested the process and documentation used to validate the accuracy of these debts on three separate occasions, and Experian has failed to provide this information while continuing to report these items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), they are obligated to ensure that all information they report is accurate and verifiable. Their failure to provide me with the process or documentation used to validate these debts is a violation of my rights under the FCRA. All these accounts need to be deleted from my credit report for in accurate information.
Product: Credit card

From XX/XX/XXXX through XX/XX/XXXX XXXX XXXX fraudulent charges totaling {$900.00} were made on my Bank of America credit card. This card had been inactive for over 1 year, with my last authorized charges occuring in XXXX of XXXX. I noticed these fraudulent charges when my credit monitoring through XXXX XXXX  alerted me to an otherwise inactive account becoming active. On that day, I locked my card and attempted to report the fraudulent charges through the app, however, the app would not allow me to report the charges as fraudulent and notified me that I would need to call the fraud center during business hours. On XX/XX/XXXX, I spoke to the fraud center and reported all of these charges as fraudulent. During that conversation, I noted that I was still in possession of my physical credit card. On XX/XX/XXXX, I received a notice that my claim was denied because the company determined that my physical card was used to make the purchased, and all charges were reinstated on my account. On that same day, I spoke with a banker in person at a Bank of America branch. The fraud department was closed on that day due to it being a holiday weekend, so we were unable to reopen my claim. However, when talking with the banker, we determined that the card I had in my possession had actually expired in XX/XX/XXXX, and I do not have in my possession a new card that was issued at that time. On XX/XX/XXXX I called and spoke with a representative from the fraud department to update them with this information and re-open my claim. I was told at that time that the claim was re-opened. During this process, a new card had been mailed to me ; I never activated this card or unlocked my card through the app. However, on XX/XX/XXXX, XXXX new charged were noted as " pending '' on my account. On XX/XX/XXXX I spoke to the fraud department to report these charges as fraudulent as well and request an update on my original claim for {$900.00}. The new claim was started ( and a temporary credit issued to my account ), but I was told there were no updated on my original claim. All charges made to this account in the year XXXX are fraudulent and in no way authorized by me.