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

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so these items should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this entire ordeal has caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit card

On XXXX XXXX, 2025 I went to book a flight with XXXX. As part of that process, the Citi card was advertised as being able to receive up to {$400.00} statement credit on this flight and an additional XXXX loyalty points. 

I filled out the application, and had to wait to see if it was approved. I received an email the next morning saying I'd been approved for a line of credit. At that point, I looked for how to use the card to book the flight. I discovered that Citi is only sending physical cards, there is no electronic card like there is with some other banks. This means, it will be up to 10 days before I receive the card. 

I first contacted XXXX XXXX. They directed me to Citi. The person I spoke to at Citi on XXXX XXXX, 2025 confirmed my understanding that I would not be able to use the card as it had been advertised. At that point, I explained the only reason I had opened the card was to take advantage of that offer. I asked to close the card and he said the system will not allow that for another 4 days. I explained that because the advertisement was deceptive and unfair, and led me to open a card I otherwise would not have opened, that I would be filing a complaint with the CFPB. The representative then said he agreed with everything I had just said. At that point, I also thanked him for sharing his agreement that this practice is illegal. The representative again confirmed he agreed with me.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX   / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) / Account # : - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) / Account # : - XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX/ Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX )/ Account XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX/ Account # : - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : - XXXX XXXX XXXX / Account # : - XXXX XXXXXXXX XXXX Account # : - XXXXXXXX XXXX XXXX  / Account # : - XXXX INQUIRIES XXXX Miscellaneous Finance XX/XX/year> XXXX XXXX XXXX  Credit Cards XX/XX/year> XXXX XXXX XXXX  Credit Cards XX/XX/year> TransUnion 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Student loan

I got an email saying the total amount of my loan was forgiven back in XX/XX/2023. My loan balance shows that I owe XXXX dollars on my account but the servicer refuses to answer my phone calls and when I disputed the loan balance on my credit report the servicer reported I still owed the money even though the loan was forgiven and my account shows XXXX dollars owed.
Product: Credit card or prepaid card

On XX/XX/2018 I checked the account I had with Capitol One Quicksilver Visa credit card and found that I had an overdue account and was being charged {$25.00} passed due fee and my card had been placed on reserve and could not be used. I knew that was an error because I had set up an auto pay account on my checking account and it had been used to pay the balance due for XX/XX/2018. When I called the customer service telephone number listed on my credit card I gave all of my information to the service rep he put me on hold while he checked my account. When he came back on the line he refused to address my over due status and demanded a copy of my drivers license and my social security card because there were issues regarding my credit card. I refused to comply and hung up my phone. I then went on line and immediately paid all of their demands from my checking account which they had access to previously. I feel that I have been cheated out of the over due fee as well as the {$150.00} reward I was promised when I took out the card.
Product: Bank account or service

on XXXX XXXX 2015 at XXXX I walked in to Bank of America in XXXX XXXX XXXX, XXXX, TN XXXX to deposit cash more than {$10.00} that in business require to fill up CTR Form that I have already did since I 've been customer for many years. Everything went well until up to that form pop out on the cashiers screen, it took her 10 minutes trying to figure out the way out then finally called manager that does n't know how to do that either, then called another senior cashier/ cashiers manager to help out, they chat for a while then she left, but this cashier still seems did n't know and still try and try, 20 minutes has passed.I told her if I can get my DL back, she can make a copy of it if she needs to but do n't hold me there for her to train. because I know they do n't need me there at all, but she refused to give my DL back or make any note, just keep trying.. few more minutes passed I asked one more time and she refused, then I tried to grab my DL but she took it faster and step back, I was Furious! Then I grab her hand try to pull her so I can get my DL but she still refuse to give it to me, That other women : XXXX XXXX, told me to leave the bank and never come back. I told her it was fine as long as I get my cash money back, she said noo.. (??? XXXX?? I almost call police fot that ) finally they return the money, but not before the cashier return only XXXX instead of XXXX my original deposit. And it took her another 10 minutes just to count it back,
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX DISCOVER XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX / XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX : Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX In accordance with the Fair credit reporting Act The list of Accounts above has Violated my Federally protected consumer rights to privacy and confidentiality under U.S.C 1681! 5 U.S.C 1681 section 602 ( A ) States i have a right to Privacy 15 U.S.C 1681 section 604 ( A ) Section C it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681 ( C ) ( A ) XXXX States no consumer reporting agency may make any consumer report containing any of the following items of information any other then records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 1681 2 ( A ) XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/XXXX i reached out to XXXX XXXX XXXX XXXX via XXXX XXXX. Our emails looks legit on their part, being that they explained to me somebody was staying in the home and to look online. ... we proceeded the conversation via text message ( unfortunately i blocked and deleted their number/messages when i figured Chase Bank had my back after explaining my story several times, before and after they withdrew the {$75.00} non refundable dollars! ) so why would Chase not stop the pending transacation? - I was looking to see the inside of the home for rent, physically not online. I had expressed this several times. When we text, i was told they had multiple properties like the one of my interest in that area, so i was instructed to fill out the online application, so that they can have my information to view the property. Like I told Chase, ive done this with another company and they didnt allow the charge to go through and i happily saw their property. Now after i filled this app out, they proceeded to tell me again to go online and i could now pass by to see the outside of the home, bc they have a person renting weekly, Really!? I expressed to the housing company my concerns in the pending transaction and how it looks shady ( they assured me it wont go through! ), i called chase to inform them about it. They told me to wait a few days, then call back if the transaction went through. It did, so i called chase to report a claim, so they have notes before and after the transaction cleared! On XX/XX/XXXX ( my birthday ), the {$75.00} was refunded to me, then XX/XX/XXXX hits and the money is taken back out of my account. I called Chase to see why and i could barely hear the man explain to me why, he then proceeded to tell me to contact the merchant? I definitely had done that already ( duh ), and theyre the scammers!! Like Im leaving this bank! In XX/XX/2018 i reached a settlement in taking my name off the house i owned with my Father, I had a traumatic experience that forced me to move out and remove my name. That money was 100 % legit and i was 100 % broken when i cashed it, its not like I didnt tell them where it came from! Without notice on a XXXX Friday! My account was locked, they closed my card ( i had to get a total new one! ) i was so hurt bc i hated that i had the money honestly and now i have XXXX accusing me of fraud. Spent a whole week borrowing money that i had, and was even more humiliated after already being a victim to liers. This was the XXXX XXXX XXXX in XXXX XXXX. My XX/XX/2018 experience with Chase and my money XXXX, so Im forced to let this money dry up And take my monies elsewhere. Thank you for hearing me out. People need to be aware of chase, especially when you have money constantly flowing in and out of your account ( s ). I NEVER had these issues banking, EVER! Im running a small business and I dont trust Chase Anything anymore. Im out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion/ XXXX/ XXXX, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX XXXX Removed this Collection but as of XX/XX/XXXX XXXX   has indicated the account has begin to report to XXXX once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified in XXXX?
Product: Credit reporting or other personal consumer reports

I Just took a look at my credit report and noticed fraudulent activity. This fraudulent activity is hurting my ability to obtain credit. 
Please remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX Mortgage  Companies - Finance XX/XX/XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXXXXXX XXXX Mortgage Companies XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX Mortgage Companies XXXX Finance XX/XX/XXXX XXXXXXXX XXXX - Mortgage Loans XXXXXX/XX/XXXXXXXX XXXX. Credit Bureau Inquiries XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian : XXXXXXXX Mortgage Reporters XXXX XXXX Mortgage Companies - Finance XXXX XXXX XXXX Mortgage Brokers XXXXXX/XX/XXXX XXXX XXXXXXXX Credit Bureau Inquiries XXXX US SM BUS ADMIN ODA Federal XXXX XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXX Credit Bureau Inquiries XXXX XXXX Mortgage Reporters XXXX XXXX XXXX Mortgage Reporters XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX Mortgage Reporters XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/2022 POLICE REPORT FILED
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, TransUnion is reporting an account that was closed on XX/XX/XXXX with a XXXX balance as a " Current '' account with a balance of " {$150.00}. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide the credit reporting agencies with written permission to report any of these accounts listed and I am requesting the removal of these accounts from my credit reports. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ). 

By definition a credit card is described in 15 U.S Code 1602 ( I ), my SSN, ID, Etc is a credit card by definition. I did not provide any of the listed companies with consent to share my credit card information ( ID, SSN, etc ) with another entity i.e the credit reporting agencies. This is a violation of 15 U.S code 1681s-2
Product: Debt collection

Regarding : Unauthorized Administration of the XXXX XXXX XXXX Enclosed you will find your abandoned paperwork alleging that XXXX  & XXXX XXXX XXXX XXXX, Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for the XXXX XXXX XXXX XXXX All executor de son tort and/or trustee de son tort actions are prohibited and proof of violation of 18 U.S. Code 1029- Fraud and related activity in connection with access devices. The consumer revokes any and all implied consent for administration, contracting, or communication of any kind, let alone the creation of a purported account enumerated s/h XXXX. Via multiple communications, including the non-negotiable CEASE AND DESIST notice dated XX/XX/21, the office of executor has proven no quorum approval of the board at the prior financial institution authorized the hiring of an attorney and that XXXX & XXXX are falsely presenting themselves to have authorization as attorneys, when in fact, no such private attorney has United State authorization for litigation. Upon multiple occasions, XXXX & XXXX have failed to produce evidence of a contract between themselves and the head agency with litigation authority, in violation of 31 U.S. Code 3718 - Contracts for collection services. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX & XXXXXXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members XXXX possibly resulting in identity theft. Upon investigation which XXXX & XXXX confirmed, XXXX XXXX has implicated the prior agency and XXXX & XXXX in unauthorized transmission of personal private information in violation of 15 USC 1692b ( 2 ). Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

The false and misleading representations prohibited by the Fair Debt Collection Practices Act are : 15 U.S. Code 1692e ( 1 ), 1692e ( 3 ), 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to 1692e ( 1 ) ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.

1692e ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Product: Credit reporting or other personal consumer reports

I was the victim of XXXX XXXX XXXX XXXX XXXX XXXX occasion. XXXX XXXX put multiple freezes on my account and ultimately closed the account and issued me a new account number. I've NEVER paid an obligation late. I am on auto-pay with all creditors. 4 of my creditors reported me late. I've sent them letters and included police reports, bank letters and other supporting documentation, yet they refuse to correct their incorrect derogatory information.
Product: Checking or savings account

Bank refused to honor fraud claim, refused to credit account. Thousands of dollars because XXXX checks direct deposited then fraud because XXXX never received
Product: Vehicle loan or lease

I bought a car XX/XX/2022 and they added extra fees without my knowledge I was told the car was XXXX plus tax and title fees but after signing everything my grand total jumped to XXXX. I went back the next day to cancel my loan and give car back which I have emails to prove. They also sold a car with bad brakes and incorrect lights that had me driving the car with no lights. I had my kids in the car which was extremely dangerous. I then had a meeting with XXXX XXXX who said he would buy my car back for what he sold it to me for since I was so unhappy about the purchase. I asked him to put it in writing and he sends a completely different email. I get a copy of my auto contract from Ally financial and I also got a copy of contract from the dealership XXXX they are different. This dealership is fraudulent.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$0.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX
Product: Credit reporting

XXXX XXXX were disputed and deleted from my files back in 2013 and last month they were re inserted to my credit reports. I disputed the matter with XXXX and Equifax. I explained to them the situation and they told me they would take this matter to a manager and have it immediately removed but instead I have waited over 30 day for a response from them and now knowing this information was deleted they said the results of my investigation says it belongs there. that means that they did not investigate throughly and the credit management at Equfax is not doing their job properly.