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

I was told that Medical Bills were going to be removed from the credit reporting agencies on XX/XX/2022, yet these bills are still on my credit report. 

Is this my error or am I reading the directive incorrectly. There is literally no way to talk or communicate with the big 3 reporting agencies. 

This is very frustrating. I just want to know the directive and why these agencies have not removed this incorrect information.
Product: Consumer Loan

I bought a truck at XXXX XXXX in XXXX XXXX AZ, told the dealer I wanted a truck smaller than my 1 ton dodge ram and cheaper, with interest ate at below 3 % because I could n't afford more and better on fuel, I told them I could n't read the contract so I would have to trust them, they ended up giving me a truck that was more expensive t truck cost over 33,000 plus I put down XXXX on top of that totaled was around38,000 and with a interest rate at 24 % then they told me to tell finance company I made XXXX, little did I know, I left and had some one read the contract it was way of base, I waited 10 days to call the fianc company, dealer said they will call with in 10 days, they never did so I called them told them what happened and they said I signed it ad nothing anyone will do., told both company 's I could not afford the cost or did n't make that kind of $ {$.00} so now there trying to repo it. I have spent a lot of $ $ and need help getting this back or gov going after the practice. they both refused to cancel it. lost more to it, the finance company is in XXXX XXXX. it was pure fraud on dealers side and fianc side pure gread
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, My son and I applied for a mortgage loan through XXXX. XXXX advised me that they would pull all three credit bureaus to assess my creditworthiness. 

Within fifteen minutes of XXXX accessing my credit report, I was inundated with unsolicited mortgage offers from a multitude of people trying to solicit me for a mortgage loan. In less than 24 hours, I have had 16 unsolicited nuisance calls, and the calls keep coming.

It was never disclosed to me that once my credit report was pulled, I would be swamped with calls from obnoxious salespeople, nor was I offered an opt-out option. If I had known I would get call after call, I would have said I wanted NOT to be contacted. 

My complaint is not with XXXX but rather with the credit bureaus. Consumers should be advised that they will immediately begin receiving calls from mortgage lenders buying our information from the credit bureaus or be given an option to opt-out.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNTS : ( Original Creditor XXXX XXXX XXXX XXXXXXXX It's ridiculous this this account is still reporting on my credit file as Experian and XXXX have already deleted this inaccurate account. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. 

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a consumer by law, these Fraudulent Inquiries must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Federal Trade Commission. I also called EQUIFAX to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires.
Product: Debt collection

On Tuesday, XX/XX/XXXX a credit pull showed XXXX collections from XXXX XXXX. Not ever having services with XXXX XXXX, I called them to ask what they were reporting. The XXXX that assisted me could not find any information under my name, drivers license number, nor my social security number. She then advised me to call the collection agency which XXXX XXXX uses, which is Transworld Systems. On speaking with Transworld Systems, they also had no idea about the XXXX accounts in question. 
The amounts for these accounts are, {$530.00}, {$470.00}, and {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter dated XX/XX/2023 from American Express that I applied for a American Express Gold Card and fortunately I was denied as to I never applied for the credit card. Someone is applying for credit using my date of birth and social security number. I did not apply and have no intention of applying for credit here or anywhere. I want this stopped. This is not the first time it has happened ; there have been other instances and I have reported to my local law enforcement agency.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year>, I submitted a crucial loan application to XXXX to refinance my vehicle. However, after completing the application and the report ran, the representative informed me that they could not service my request because they were unable to access my credit report from Experian. I promptly unlocked my report for XXXX to run the report. 
I am disappointed and would like a detailed explanation of why this happened and why XXXX could not collect the required information. 
The provision of credit reports by companies like Experian is governed by the Fair Credit Reporting Act ( FCRA ). The FCRA ensures information accuracy, fairness, and privacy in consumer credit files. Right to XXXX : For free, consumers can request and obtain a copy of their credit report from any consumer reporting agency, like Experian, once every XXXX  months. You can also request a copy if you have been denied credit, insurance, or employment based on information in your report. Legal Recourse : If a credit reporting agency fails to comply with the FCRA, consumers can file a lawsuit to seek damages. For example, in the XXXX XXXX Experian Information Solutions XXXX XXXX case, the court found that Experian violated the FCRA by failing to conduct a reasonable reinvestigation of disputed information.
Product: Debt collection

I had student tuition fees that had been unpaid and I got taken to court for them on XX/XX/XXXX, by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. We negotiated the amount down to {$1400.00} being owed by me and that I would pay {$150.00} on the XX/XX/XXXX of each month for 12 months to XXXX. I called the office and set up automatic payments, Ive paid two payments of XXXX so far. I received a letter on XX/XX/XXXX from XXXX saying I was being contacted for debt collection for {$3900.00} being owed to XXXX XXXX XXXX ( the original debt amount before negotiated and settled in court ) and to call XXXX at XXXX. I do not understand why I am being contacted for a debt that has already been settled in court and Ive also made payments toward. I have the case number and documentation stating these things.
Product: Credit card

I submitted a credit card dispute to USAA Bank on XX/XX/2023 for an unauthorized charged on my credit card. A Company named XXXX XXXX XXXX in Florida charged me for an stay at their location even though I never stayed there. I disputen the charge and USAA did not acredite my credit card they refuse to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize to pull report
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Venmo Holding Funds Without Justification Dear CFPB, I am writing to file a formal complaint against Venmo ( operated by PayPal, Inc. ) regarding their unjustified decision to withhold {$430.00} of my funds. Venmo claims I violated their terms of service, but they have provided no valid evidence to support this accusation, nor do they have any entitlement to retain my money. 

The funds in question originate from legitimate transactions conducted with a legally operating gaming site in my state. All activities on my account are entirely lawful, and I have fully cooperated with Venmo by verifying every document they requested. Despite this, they continue to hold my money without any valid reason or proof of fraudulent activity. 

I have made multiple attempts to resolve this matter directly with Venmo, but their responses have been inadequate. Their actions are not only baseless but also a violation of my rights as a consumer. This situation has caused me significant financial hardship and frustration, as I rely on access to my funds for essential expenses. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that Venmo releases my funds immediately. Enclosed, I have provided copies of all relevant documentation, including [ list what you are including, e.g., transaction details, verification submissions, and correspondence with Venmo ]. 

Venmo has no right to withhold funds that belong to me, especially when all transactions have been proven to be lawful and legitimate. I trust the CFPB to address this issue promptly and ensure that companies like Venmo are held accountable for such wrongful practices. 

Thank you for your attention to this matter. Please feel free to contact me at [ your email address or phone number ] if you need any further details or documentation. 

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

In XXXX of XXXX consumer portfolic account was closed XX/XX/XXXX. XXXX of XXXX this company changed the closed date as XX/XX/XXXX .I have report to the credit bureau XXXX XXXX , XXXX  , and XXXX was told that the account is accurate. I thought reaging account is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX Balance -.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these convergent account numbers have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

This issue has been ongoing since XX/XX/2020 With U.S. Bank. ( there is no US Bank in my state and the two ATMs in my town, don't take deposits. ) I will just skip to the issue : I am trying to mobile deposit a larger amount than normal. ( but my balance is lower than normal as well ) I keep calling and trying to get that changed even if for the one time since I now know that limit and they keep sending me denial letters stating that " Your previous deposit history does not indicate you would need increased limits ''. 

I had no idea that there was indeed a limit to deposit not to exceed {$3000.00} ( {$6000.00} a week ) I can not cut a check in half. 

My balance is now dangerously low, like hopefully make it through this month low. 
I have told them to look at my balance, I need to deposit this immediately but that doesn't seem to make a difference. 

They are going to force me to get another bank and have to change all my automatic deposits and withdrawals.I move around a bit and was trying to establish a relationship with a bank we liked. All because they don't want to take my money. 
I have too much going on in my life right now to be dealing with all this and/or going to a new bank and transferring everything.
Product: Mortgage

XXXX XXXX  gave me a Loan Modification on XX/XX/XXXX which included Principal Forgiveness. I made all the trial payments. Then I received a letter on XX/XX/XXXX and it stated it was transferring from XXXX XXXX XXXX  to Select Portfolio Servicing , Inc.. 
Select Portfolio Servicing, Inc. then took my Loan Modification and rewrote the Loan Modification with there name on it dated XX/XX/XXXX and referred beck to my original loan in XXXX and added {$150000.00} to the loan amount. Select Portfolio said if I did not sign there Loan Modification note they sent me by XXXX they would do a foreclosure on my home. I was under distress as they yelled at me to sign it.

I told them that is not my original Loan Modification that XXXX XXXX gave me and they cant change my original Loan Modification when it has been transferred to them. They said again if I didn't sign the new Loan Modification they gave me with there name on it they would do a foreclosure. I was under so much distress and they threatened me to sign there note.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NUMBER : XXXX I submitted a dispute to Experian regarding XXXX XXXX. The account is reporting Paid but also shows a charge off amount. XXXX sued me in court and received a judgment for the amount in XX/XX/XXXX for {$4300.00} plus other fees. They won that judgment and my income was garnished until the entire balance of XXXX, XXXX plus court costs. After all monies were pain, in XX/XX/XXXX XXXX sent me a letter stating that my account had been paid in full and stamped each individual page as paid on the contract. 
They never listed any other amounts owed. 
But, they are reporting to Experian that my account is paid, but {$4300.00} was charged amount. This is the amount that was garnished. I have contacted XXXX and Experian and asked them to correct their error but, as you can see by one of the attachment, Experian is stating that they have contacted XXXX and the information listed on my credit report is correct. IT IS NOT CORRECT!!!! 
I take offense to the fact that these credit reporting agencies are not investigating the information that they are listing on credit reports without investigation. They are blindly taking the words of these companies. 

I WANT THIS CORRECTED IMMEDIATELY!!!!
Product: Debt collection

On XXXX/XXXX/15 I received a letter from collection Agency to pay {$250.00} : CMRE Acct : XXXX The DEBT IS NOT MINE : I was billed wrongfully by Texas XXXX XXXX XXXX ( account # XXXX ) through the Agency " XXXX '' with account XXXX, last bill in amount {$250.00}. This bill was to be covered by XXXX XXXX, to whom they sent firstly the request, but on improper form, so did n't get paid. 

This bill is from my account # XXXX ( on XXXX form only, on XXXX account it is only the numeric part ) and should be paid by XXXX billing only, though despite of my repeated contact with Customer Service of Agency " XXXX '', the bill was n't sent properly to Texas Dept. XXXX XXXX. XXXX 'XXXX XXXX. I received XXXX such bills from " XXXX '' - their billing service : First bill from The Texas XXXX XXXX XXXX on XXXX/XXXX/15 = {$300.00} ( XXXX XXXX and XXXX ) ; Second bill on XXXX/XXXX/2015 for the same service had XXXX ( XXXX XXXX XXXX ; The XXXX bill statement is from XXXX/XXXX/15, for the same service ( XXXX ), but with a different amount {$250.00}, due to new service was added ( from XXXX/XXXX/15 ) and I paid immediately my duty : {$1.00}. On XXXX/XXXX/15, I called Texas Dept. XXXX., and I submit FAX with bills from XXXX to XXXX XXXX Customer Service XXXX Claim # XXXX, confirming that XXXX XXXX has to pay my bills. On XXXX/XXXX/15, they requested to Texas XXXX to submit the appropriate forms, though Texas XXXX never sent their new bill form till today ( XXXX/XXXX/2015 ), when I contacted again XXXX ( phone XXXX ) about paying my bills. The Customer Agent called today Texas XXXX and asked again to submit appropriate form for getting money for my bills ( today claim= # XXXX. They again promised to send it, so I will XXXX in 2 weeks, but can be too late for my credit score tarnishing.
Product: Credit reporting or other personal consumer reports

Several inquiries on my Equifax credit report authorization without my consent. I believe them to be for business related which are not mine. The following inquiries were made : XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Rushcard issued me A duplicate card of the Card that recently expired XXXX XXXX I am unable to check my balance and enroll in text alerts I have been having this issue since late XXXX yes I received the letter with deposits I was able to receive before the complications of my account they sent no record of the issues that I have been having with Rushcard via metabank I have I have I have XXXX or more reference accounts where I contacted Rushcard via emailAcknowledge : no subject ( Ticket # XXXX ) Acknowledge : no subject ( Ticket # XXXX ) XXXXAcknowledge : no subject ( Ticket # XXXX ) These are the tracking numbers I received for the same issue not multiple but the same issue please respond immediately feeling really inconvenienced I 've been a customer with Rushcard since 2008
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX acct XXXX, XXXX  acct XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

I recently encountered an issue where Chase Bank closed my account without any justification. I received a phone call from Chase Bank on XX/XX/year>, regarding the account closure and Chase Bank said they are not able to provide reason why Chase closing our account. The money in my account was all legitimately earned, and they did not provide any evidence to prove otherwise, nor any reason for closing my account. This has caused significant inconvenience in my life in the XXXX, which is also unacceptable. Additionally, since the account was opened, the bank never contacted me or warned me about any potential issues with my transactions. There were no prior warnings or communications. I hope the Consumer Financial Protection Bureau ( CFPB ) can help me resolve this matter and communicate to Chase that such actions are not acceptable.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the nessasary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accounts is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted if the CFPB 's recent administration proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX