23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX will not acknowledge any of my attempts to obtain my credit reports and/or mailed copies of my statements pertaining to fraud. I am unable to create an account as any identifying information requested to do so is Fraudulent and incorrect information- the same information I am trying to have removed! 

I have tried calling- but again I am requested to verify personal information that is not mine and incorrect. Equifax and XXXX have at the most only responded to mailed statements and my photocopies of my government ID 's and social security card with " please send us copies of your ID and police reports. To have sent that to receive that response demonstrates they are not actually reading and reviewing what I have sent.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing this complaint against OFX for unauthorized financial transactions following the closure of my business account, which has severely impacted my business operations. These transactions include : 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/year> Without my consent, OFX processed payments on these transactions post-account closure, directly violating the terms set in our agreement as well as financial regulations that protect business owners. This unilateral action not only contravened the agreed-upon terms but also failed to provide any prior notification, breaching standard financial operational mandates. 

Given the circumstances and the considerable negative impact on my business, I am seeking not only a full reimbursement of the aforementioned sums but also an additional compensation amounting to 30 % of the total, to address the direct economic and operational disruptions caused by these actions. 

This demand for compensation is grounded in the legal rights afforded to me under consumer protection laws, which stipulate full redress for unauthorized transactions and additional compensation for consequential business impacts. The unauthorized handling of these funds by OFX demands a rigorous review and appropriate recompense for the damages incurred. 

I expect a prompt investigation into this matter. Please contact me at your earliest convenience to discuss the details of this case and the forthcoming steps. 

Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX and associate 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.
Product: Credit card or prepaid card

Wells Fargo denied me a credit card and lied about the reason for the denial. I have both a mortgage and second mortgage with Wells Fargo for over 13 years with never a missed or late payment. On or about XX/XX/XXXX, I visited https : //www.wellsfargo.com/ and saw an advertisement for a consumer credit card that offered {$200.00} in cash reward bonus with a minimum use qualifier. It also offered cash reward point accumulation of 1.5 % on all purchases.
I filled out the online application which really only asked for gross income and personal identifying information. I received a letter datedXX/XX/XXXX in which they stated they denied the credit card request based on the reason : " Credit references provided ca n't be verified ''. I gave them no specific credit reference in my application. Specifically, they state they are unable to get a credit report from XXXX for me. I called them shortly after receiving the letter and filed a verbal complaint. The call was escalated to a man in their " executive office ''. The basis of my complaint is that on their web site I can see my own FICO score, so it is obvious they not only can but have routinely pulled a credit report on me. I have excellent credit. I did state on the application that all of my income is sourced from retirement. I conjecture they denied credit because I am retired.  Regardless, whatever their reason is, it is not because they ca n't verify that I have excellent credit. I received a second letter dated XX/XX/XXXX in which they stated that after investigating themselves, they determined they have done nothing wrong. This is probably the second lie.
Product: Vehicle loan or lease

The vehicle was repossessed by XXXX XXXX XXXX XXXX, I paid the XXXX dollars via XXXX XXXX  refference number XXXX and when I attempted to call in with the necessary info I spent an hour and a half on hold until they closed, now they will sell my truck and keep my XXXX I don't think that credit acceptance should get away with this
Product: Credit reporting 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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$820.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : BRCLYSBANKDE  XXXX
Product: Student loan

Regarding Navient Account Number XXXX I was paying about {$130.00} monthly to Navient through autopay. 

I made a {$4000.00} payment last week to pay down my loan. 

I just checked my bank statement and found that Navient charged me {$190.00} for no discernible reason. 

I called Navient customer service to find out what the {$190.00} payment was for, and they COUD NOT tell me. Nor would they refund my money while they did their internal investigation. 

They basically went into my bank account and took an UNAUTHORIZED PAYMENT and can't even tell me what it's for.
Product: Debt collection

I'm not sure we I received a collection on my account. This isnt my debt. I would like this removed immediately. I never cosigned after the first year in XX/XX/2016. They have no records. This is not my account.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Added Accounts included : XXXX XXXX  XXXX XXXX XXXX, XXXX {$3000.00} XXXX  XXXX XXXX, XXXX {$3300.00} XXXX  XXXX XXXX, XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$57000.00} XXXX XXXX  XXXX XX/XX/XXXX {$150000.00} XXXX XXXX XX/XX/XXXX {$7000.00} XXXX  XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXXXXXX XX/XX/XXXX {$7000.00} XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX  XXXX XXXX XXXX, XXXX {$640.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$65000.00} XXXX XXXX XX/XX/XXXX {$350000.00} A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, Thanks, XXXX XXXX  XXXX inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX was closed immediately without submitting it to the companies involved. I submitted a complaint again last XX/XX/XXXX and got a response from Equifax. The others 2 Credit Bureau 's response is still pending. I am hoping that by submitting this new complaint, all the fraudulent accounts from my credit report will REMOVED and DELETED because I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Debt collection

I am filing this complaint because Augusta Collection Agency Incorporated yelled at me and argued with me over a debt they claim I owe. At about XXXX XXXX on XX/XX/2025, I called back XXXX which is the Augusta Collection agency and the agent argued with me over how XXXX XXXX is not responsible for taking or relaying insurance information to their billing department. I told the agent that she was not allowed to argue or yell at me and she insisted that she had every right to argue with me and attempted to deny yelling at me before she hung up on me. I have already filed a complaint against this company over this same company that keeps insisting that the bill is legitimate and even though XXXX is contracted with the county to respond to medical emergenices, they insist they do not have to obtain insurance information or relay insurance information to their billing department. They do not warn patients that patients have to submit their insurance information to their billing department themselves and they will not stop calling me or arguing with me about the and they lied and said that they had been waiting for me to call them with my son 's insurance information, I sent the insurance information to them in an email and they never responded and apparently never even bothered to charge my son 's XXXX information. They also continue to insist that they are not obligated to follow divorce decrees and indirectly threatened me by saying that by not paying this bill even though they know I dispute the bill that they will continue to report on my credit and that it could cause harm to my credit. Furthermore, the agency had already said that they would stop calling because they were not just calling me over XXXX but that they would stop calling for a XXXX XXXX or XXXX XXXX who they said my have had my previous number and seems to have violated her privacy as well. They did not stop calling and asked for both me and XXXX XXXX even though I do not know that person.
Product: Checking or savings account

On XXXX of XXXX, I opened a checking account using a cash bonus promotion at the BOFA branch located at XXXX XXXX XXXX, XXXX, GA XXXX. The offer code was XXXX. The promotion required me to deposit {$15000.00} into the newly opened checking account within 30 days and maintain it for 12 days and make at least one qualifying direct deposit. I recently saw a bonus deposit for the amount of {$300.00} and I called customer service about it. I asked them why the cash bonus was {$300.00} and not {$500.00} which I had signed up for. They told me that the offer code applied was different from the one that I shared with them and based on the offer code applied ( XXXX ) I was eligible only for {$300.00}. I told them that I had the screenshot of the offer and I had verbal confirmation from the banker who opened the account on the XXXX of XX/XX/year>, that the offer code of XXXX was applied. Bank of America customer service agent said that they would get back to me on what exactly happened. To me, this feels like a bait and switch and I would like CFPB to look into this matter. 

Please feel free to contact me for any additional information.
Product: Debt collection

My credit report showed fraudulent activity. Auto loan and credit cards which are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and found several fraudulent accounts from XXXX XXXX  listed on my report. I filed an FTC identity theft affidavit and disputed the fraudulent accounts with Early Warning in XX/XX/year>. The company responded by stating the items were accurate and would remain on my report. I requested a re-investigation on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Early Warning responded by again stating the items were accurate and would remain on my report. I have called several times and could not get any help with this issue. I provided official proof that the items are a result of identity theft and must be removed. Dispute case ID is XXXX.
Product: Credit card

I've experienced repeated issues with Bank of America 's autopay system, resulting in its arbitrary cancellation of automatic payment without notice. This recently led to two late payments on my personal credit card account without my knowlesge. Although the bank reversed the fees, the late payments were reported to credit bureaus, negatively impacting my XXXX XXXX XXXX. 

This erroneous reporting caused by a documented system flaw now endangers my other credit lines. Despite a perfect payment history, my account was also closed without prior notice. My problems with the autopay system have been heavily documented and confirmed by the bank, despite this they are refusing the 60 day late report to the credit bureaus.
Product: Credit reporting

I have sent in at least on XXXX occasions to have XXXX charge-off 's to be removed and blocked from my credit report due to Identity Theft. I have submitted a police report that stated these items are fraudulent and for them to be blocked and I have also submitted an FTC affidavit. The XXXX charge off that need to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I submit to Equifax the XXXX Identity theft letter and back up they submit the dispute as a regular dispute instead of blocking the ID theft items and removing them from my credit report. They refuse to tell me how they investigate the information. I just want these resolved as the other XXXX credit reporting agencies have already removed these items as they should.
Product: Debt collection

{$2000.00} false amount, no contract with company, not my account, not licensed in sc
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Goldman Sachs Bank USA because they have violated my consumer rights. Goldman Sachs Bank USA did not give me a chance to opt out before sharing my personal financial information with third parties, including other financial institutions and credit agencies. This is against both federal law ( Gramm-Leach-Bliley Act ) and New Jersey state law ( NJ Data Protection Act ). 

I told Goldman Sachs Bank USA that I did not agree to them sharing my private information. They responded by saying that they have the right to share my information according to their Privacy Policy. However, their Privacy Notice says that information collected by financial institutions is subject to federal privacy laws and states that they wont share information about New Jersey residents with non-affiliated third parties, except as allowed by New Jersey law. 

I have never signed any agreement allowing Goldman Sachs Bank USA to share or sell my personal information. I have requested a detailed account statement, including evidence from an authorized representative, to clarify who funded the account and the actual amount owed. Instead, Goldman Sachs Bank USA only sent me a copy of the Promissory Note, which shows multiple violations of the Truth in Lending Act. 

I have instructed Goldman Sachs Bank USA to send all correspondence to a specific address and stated that any mail sent to another address is inconvenient and an invasion of privacy. Despite this, they continue to send mail to an address that is difficult for me to access. 

Goldman Sachs Bank USAs actions are a form of identity theft, as they are sharing my personal information without my consent. This is an abuse of their legal authority and attempts to collect debts through unlawful means. 

According to federal and state laws, I should have been given a reasonable chance to direct that my personal information not be shared. The contract and Promissory Note in question are invalid and unenforceable. I am seeking damages for violations of the Fair Credit Reporting Act, Truth in Lending Act, Uniform Commercial Code, and New Jersey consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that this account is not mine and that my identity may have been stolen which I have included with this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX  XXXX  XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In summer starting XX/XX/year> found online XXXX XXXX XXXX seemed legit for getting nurse license. Even talked to XXXX XXXX XXXX agree to pay XXXX, XXXX XXXX  for license. I wanted pay installments but by money order and so no cash app He gave me cash app hashtag of XXXX XXXX I assumed was his wife. In XX/XX/year> found out this person did not know this man. Plus he some how had access her account and Cash App gave her my contact information which she called me Thinking I was stealing from her In XX/XX/year> after finding out XXXX XXXX XXXX scammers I filed dispute with Cash app My bank XXXX  XXXX credited me XXXX payments of XXXXXXXX XXXX XXXX XXXX XXXX but not my XXXX XXXX  because used cash app The disputes with cash app and even phone call which I demanded to talk to Supervisor resulted they investigated but nothing can do This led me tell them off and threaten to sue which should done so Cash app owes XXXX dollars which denied by my bank because used XXXX service and Cash App been sued before for bad business
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over XXXX days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.