23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I applied for a loan from an online company ( mistake # 1 ). I was supposedly approved. And had to give my banking information which I did. But then they asked for my user name and password to " validate '' the account was mine ( mistake # 2 ). I said no a few times but they convinced me once the funds were deposited, I could change the information. That made sense to me ( mistake # 3 ).

A partial " deposit '' was made and I then had to send a portion to them to pay for account protection insurance. ( mistake # 4 ).

The " loan officer '' assured me the funds would be in my account the next day. Needless to say, they never arrived. ( mistake # 5 ) To make a bad experience even worse, now comes my bank, Bank of America who wants to protect me and give me good customer service. So-they freeze my account. I don't have access to my online banking. My social security was deposited and my paycheck as well. They refuse to give me the money at first until the account closed XX/XX/XXXX. 
I was pleading and begging for them to let me have my money. I have to pay my rent. Then they took pity on me and said my account was scheduled to close Tuesday XX/XX/year>. But it could take 4 to 6 weeks to get the check. Are you kidding? 4 to 6 weeks?????? So yet again I begged them to let me have my money. I need to pay my rent and other bills. They took pity on me again and requested to get permission for me to get cash from a branch another 3 to 5 days. I have called every day this week and was again told that nothing the person on the phone can do for me. I have to wait and call back tomorrow to see if my request to withdraw my money from my bank account is approved. 
And as far as I am concerned, these unscrupulous lenders would have no audience if our banks in this country loaned money to hard working American people no matter their credit score which is another scam on society. And another way to gouge the public. Sorry for the rant. 
I need help. I am XXXX XXXX XXXX still working to keep a roof over my head. I was out of work last year due to an injury and my credit score suffered because of it. I needed a financial boost and thought that this company was okay. Probably too easy and I know NEVER to give out your user name and password. What they do is gain access to your account and see a large transaction in your account, and put in a dispute claim for it ( which is crazy to me that someone other than myself can put a dispute claim in ). The bank credits back your account the disputed amount, you think this illegal lender lent you the money and you send some of it to them. So, I paid for the same transaction twice and now can't get to the money I have left. Doesn't seem very fair to me. 
I am asking for help. Please ask Bank of America to release my money and I will go away and we never need to see each other again. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.

XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regardin ( 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 consumers with the necessary proof of investigation inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account 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 '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING INACCURATE INFORMATION ON MY REPORT. XXXX IS NOT THE OWNER OF THIS ACCOUNT AND THEY ARE FRAUDULENTLY TRYING TO COLLECT, SEC FILINGS PROVE THAT CREDIT ACCOUNTS ARE TRANSFERRED INTO A TRUST AND ARE SECURITIZED THE DATE OF THE ACCOUNT OPENING DATE THE ACCOUNTS ARE TRANSFERRED/ASSIGNED INTO A TRUST, SECURITIZED AND TRADED AND NEVER TRANSFERRED/ASSIGNED BACK TO XXXX. IF XXXX CAN NOT PROVIDE A CHAIN OT TITLE PROVING THAT THE DEBT WASN'T SECURITIZED THEY DO NOT HAVE THE AUTHORITY TO COLLECT AND REPORTING IT TO XXXX XXXX TRANSUNION IS VIOLATING MY RIGHTS. DELETE THESE ACCOUNTS XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The company ( Chase ) agreed to correct the incorrect late reporting ; however, the late payment is still reflected on the XXXX report, and affected my current refinance because my score was slightly too low for the lender 's credit of over {$400.00}. Chase was notified about this issue in early XXXX, and has still not corrected the problem. Please see the attached evidence, which is a copy of the Chase letter, and a copy of the XXXX report.
Product: Credit card

I see hard inquiries on my credit report that I did not authorize. 

XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> 2024
Product: Debt collection

Account Control Bureau place for Collection with Derogatory remarks on my credit report. XX/XX/2016 I began XXXX XXXX XXXX. XXXX is responsible for all my Medical billing if submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion Credit Bureau XX/XX/XXXX to update this suspicious information. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made a {$1000.00} payment to XXXX XXXX XXXX on XX/XX/XXXX. This payment was reported back to me via email as successful. My normal payment at that time was around {$350.00} Upon learning that my credit report had been severely impacted on XX/XX/XXXX I contacted XXXX XXXX XXXX only to learn that my payment of {$1000.00} had been " reversed '' on XX/XX/XXXX. ; XXXX could not supply a reason as to why the reversal occurred and my bank knew nothing about the payment. I was not contacted about this reversal in any way. In fact, on XX/XX/XXXX I received and email with a confirmation Number ( Confirmation Number : XXXX ) for the {$1000.00} payment. 
There was never any mention of reversal after that point. 
Instead of contacting me as they had already done with the confirmation number and an email on XX/XX/XXXX that my account needed attention, they simply reported a thirty day delinquency on my account for XXXX XXXX and then another 30 days late for XXXX. My credit report shows 60 days late now and my credit score dropped from XXXX down to XXXX. 
XXXX XXXX XXXX appears to lack the sophistication or technological staffing to notify customers about serious matters such as payment reversals. It should also be noted that I have never been late paying them, or anyone else in over 10 years.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting 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 these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I spoke with XXXX at this company back on XX/XX/XXXX around XXXX regarding a medical bill in the amount of {$390.00} for my son. After speaking with XXXX, she advised me that she will reach out to XXXX regarding submitting the claim to be paid and she also advised me that she will submit the information to the insurance and that I should follow back up in 30 days regarding the status. I followed up and was advised that they have not received a response yet. After a couple of months I received another letter on XX/XX/XXXX from OAC which is the collection agency again regarding the bill. I then reach back out to the collection agency OAC trying to get the status on the claim and was advised by a representative that the claim had not been submitted to medicaid and that they would submit it. I have been reaching out to this company for almost a year offering my assistance in anyway possible while they kept informing me that they were submitting the bill to medicaid and come to find out, they never did. I 've been misled as well as lied to for months and all I asked of the staff at OAC was to submit the claim to XXXX so that they could pay it before the timeframe expired which was a year from the date of service which was XX/XX/XXXX. When I spoke with the supervisor XXXX on XX/XX/XXXX I expressed how dissatisfied I was with how the staff handled my account and he did not seem to care nor did he try to offer a resolution. The way the office handled my file was unjust and as a result of their negligence regarding submitting my claim to XXXX in a timely manner, XXXX will not pat the claim because a year has passed from the date of service. the names of the other individuals I spoke to in that office were : XXXX, XXXX, and XXXX.
Product: Credit card

on XXXX XXXX, 2024 I applied for a Unsecured credit card with Avant , LLC. The company denied me of my application. they have discriminated against me although they are saying they are not. i asked for proof of the denial and got an adverse action letter. XXXX being discriminated against per the XXXX XXXX XXXX XXXX. in good faith i excised my right to credit and should not have been denied per the XXXX Equal Credit Opportunity act protects me from discrimination, but no avail. This credit is being obtained for XXXX goods and services Making me the creditor.
Product: Debt collection

I believe the account is invalid. I.C. SYSTEM, INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

I.C. SYSTEM, INC XXXX
Product: Payday loan, title loan, personal loan, or advance loan

They added product services to both loans we had with them that we did not ask for or even use. And it added extra money that we repaid for services we did not need or use
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have been reporting negative information over 7 years and is refusing to remove the information from my credit report. This information is being reported to all XXXX major credit bureaus. The initial late payment was reported XX/XX/XXXX. 7 years is XX/XX/XXXX. XXXX made the account status derogatory XX/XX/XXXX which has the account reporting negative until XXXX. This goes against FCRA and XXXX, XXXX and Trans Union is refusing to remove the negative information despite positive payments for the remainder 5 years of the loan. I have included a copy of XXXX  and trans Union report reflecting 30 days late payment XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN  YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for the misleading, inaccurate information reporting on XXXX XXXX  XXXX XXXX Account number XXXX. The account is reported late on several occasions in XXXX, XXXX, and XX/XX/year>. Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protec on Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations.
Product: Mortgage

My loan was sold to CHFA, and they stopped paying my hazard insurance from escrow, I got my own policy and sent them the declaration page following the directions on the website - 4 times! I finally got someone to listen to me and was told I should apply for a loan modification, I can't afford the XXXX XXXX  monthly escrow increase for the lender placed insurance plus the policy I'm carrying on my own, but no one cares to look into it for me. I filled out the loss mitigation application, and after a month of no response I sent an email to them, I finally received an apology and a list of paperwork I needed to submit, most of it I had already submitted. finally after another month of sending paperwork over and over, I received a notice that my loss mitigation application had been accepted, along with a certified letter stating my loan was in default, That's when I found out my XXXX XXXX had dropped XXXX points, and I started receiving daily collection calls.. after more than a month I received notice that I was given a forbearance, and had seven days left before my payments were to resume. I have 2 credit cards that have reduced my credit limit to my current balance, which increased my debt to credit ratio reducing my credit score even more. I still cant afford the payments, but I was going to pay everything but the increase in the escrow, turns out they wont take a partial payment, so it appears I have to continue defaulting on my loan. I can't refinance because they destroyed my credit, ( it's called dual tracking, which is illegal ), also according to the forbearance letter - I need to make arrangements to pay back my forbearance, so I'm in worse trouble than before. I'm XXXX, and I care for my XXXX XXXX were both on fixed incomes and have only lived in this house for 2 years, and my mortgage has already gone up more than the two of us can afford. I'm hoping to find an attorney to protect my interests, I've used my mortgage money from the last couple months to buy a new heater for the home. so my heating bills don't eat me alive this winter. All I need is to get my mortgage back down the point I can afford to pay it, and CHFA just keeps ignoring me.
Product: Checking or savings account

I was scammed out of XXXX dollars by crooks on the phone calling me from the Citibank help number and texting me with the exact Citibank text. The money was taken from my XXXX account which I have read is a popular scam. I knew nothing of this until it happened to me last week. They had all my emails and passwords, my bank info and passwords, etc. 
I have reported this to the Sheriffs department, the the FTC and I am waiting for the bank to decide what to do and am trying to keep my spirits up. That was all of my money for retirement i am XXXX XXXX XXXX. I have been out of work for three months and have been trying to stay afloat. 
This happened on XX/XX/XXXX and XXXX and I am so mad at myself. These crooks were so good. I do not want this to happen to anyone else and I think the bank should be liable. I am a Citi customer for over 25 years and a Priority member. If they do not protect me, who can? I will have to keep my money hidden at home. 
Thank you.
Product: Credit reporting or other personal consumer reports

I have not given my consent to publish my personal information and I am unaware of all these inquiries that are affecting my credit report and I have reported to all the agencies that are reporting these inquiries that are fraudulent and have not done anything to remove them and it is damaging my credit and these are the names of the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX gained unauthorized access to my credit report on XX/XX/2019.
Product: Debt collection

I am not liable for this debt with XXXX XXXX, I do not have a contract with Spring Oaks Capital LLC, they did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trXXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$4700.00} Please block this information from my credit report within four business days, pursuant to Section 605XXXX of the Fair Credit Reporting Act.