23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express sent me a letter in the mail letting me know that I was pre- approved for their " American Express Green Card ''. They gave me reference RSVP code : XXXX to claim this pre-approval via their online application. I then went online and put in my information, only to have Amex 's system instantly decline me, which added an additional " hard pull '' to my credit report. This practice of sending out fake " pre-approvals '' is fraudulent, and I would like American Express to either honor the terms of the offer in giving me some type of credit limit, or to remove the hard pull which was fraudulently added to my credit report
Product: Mortgage

Charging excessive unexplained fees over the last few months when monthly payments have been made on time. Fees are shown on statement as " corporate advance ( s ) '' and now another fee has been charged for {$300.00} with a description of " Payment of Preservation Fee ''.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX  sent a payment of {$50.00} to XXXX XXXX. I did not authorize that payment. I don't know that person. I have attached screenshot of my XXXX.
Product: Credit reporting

I was a victim of my identity theft. Never recognize or authorize anyone to use my SSN for this account
Product: Mortgage

Mortgage with PennyMac. In error, I did not notice that they had been escrowing $ for my insurance of which I had on the property until the took an additional {$500.00} with my XXXX payment. My error. I have called them along with my insurance company repeatedly regarding and my insurance has sent over the proof declaration page multiple times. Every time I have called they say they did n't receive it, even once when I was assured the rep was on the phone with my insurance and would not hang up until she saw the fax. Well that was not true as we had to send again the week later. Also they say they take notes, but then they have nothing regarding. After numerous calls and runarounds, I was assured XXXX/XXXX/15 that I would be receiving a check for {$1900.00} from XXXX # XXXX and to call back today to see when it would be processed. Now after multiple runarounds, I am told that they do not have it, they have a 90 day binder and that is not enough to release the funds which 100 % contradicts what they told me last week. So again, I have to contact my insurance company to send them over a new declaration. They have had the documents no less than 3 times of what they needed. They are STEALING my money I am owed and was promised I would get on my phone call last week. I assume they are filing it to the wrong loan or something, because they can not get it right! I have spoken from the names I wrote down to XXXX # XXXX, promised call back, did n't, XXXX # XXXX promised would stay on hold with insurance company until she had correct form, have spoken to XXXX XXXX, today was XXXX who swears they only have 1 document which is wrong. This does not include the numerous calls my insurance company has made with them as well to straighten this out.
Product: Credit reporting or other personal consumer reports

I have sent dispute letters to Trans Union and XXXX to update the balance of the XXXX XXXX XXXX XXXX  ( XXXX credit card ) accounts, I have called the banks and they inform me that they send the updates, but when I call Trans Union and XXXX they inform me that they do not receive this information, at the same time after 3 months of having submitted the disputes I have not obtained an update for these XXXX accounts which has harmed my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

the attached accounts were not authorized Please remove According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from credit report
Product: Credit card or prepaid card

I applied for a secured credit card through First Progress to help rebuild my credit. I paid a XXXX. Dollar deposit that was supposed to be the actual credit limit of the card.After weeks of emails from this company telling me my card was on its way and emails saying I should have my card and wanting me to set up online payments for this card, I still had not received the actual card. When I contacted the company by email I was told it was on its way, there was a billing problem one time and an application delay the next time I finally contacted them by phone, the customer service person I spoke with didnt have a clue what was going on, so I asked for a supervisor, I was kept on hold for over 20 minutes and she promptly told me my application was denied and had been denied over a week prior, so when I asked about my deposit, she said they refund the deposit within 3 business days of the denial, I than asked well if it was denied over a week ago how come I havent received it back on to debit card? She then told me that I would be refunded the full amount by the end of that day. That was over a week ago, this feels like a scam and unfortunately I also sent these people a lot of personal information including a copy of my drivers license and bank statements, thats my biggest concern. I definitely should have done more research before I did this!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2025, I submitted a dispute to Equifax and Experian regarding fraudulent accounts in my name, specifically XXXX XXXX XXXX and XXXX XXXX. I provided : A valid identity theft report Proof of my identity ( ID, Social Security, and utility bill ) A formal dispute letter demanding deletion under FCRA Section 605B Violations by Equifax & Experian : Failure to block fraudulent accounts within 4 business days ( Required under FCRA 605B ) Failure to provide verification documents proving I owe the debt ( Required under FCRA 609 & 611 ) Updated the balance to XXXX but refused to delete the fraudulent account Allowed an account to remain in my credit file even though XXXX XXXX XXXX no longer owns the debt Refused to provide a written statement of the investigation process and results On XX/XX/, I submitted a formal dispute to Equifax & Experian regarding a fraudulent charge-off reported by XXXX XXXX XXXX . 
I provided : A valid identity theft report Proof of my identity ( ID, Social Security, utility bill ) A dispute letter demanding removal Under FCRA 605B, credit bureaus MUST block fraudulent accounts within 4 business days.

It has now been over 18 days, and they have not removed the account or provided verification that I owe this debt. 
Violations Committed by Equifax & Experian : 1 Failure to remove fraudulent accounts within 4 business days ( FCRA 605B ) 2 Failure to verify the debt by providing a signed contract ( FCRA 609 & 611 ) 3 Continued reporting of a {$0.00} balance charge-off without a 1099-C ( Violation of IRS Code 6050P ) 4 Deliberate noncompliance & harm to my creditworthiness Requested Resolution : 1 Immediate deletion of the XXXX XXXX XXXX account XXXX 
2 Written confirmation of the deletion.

3 Regulatory action against Equifax & Experian for violating federal law. 
If this is not resolved immediately, I will pursue legal action for damages under FCRA 616 & 617. 


Despite my prior disputes, Equifax and Experian have failed to remove these accounts, violating federal law. Instead, you have : Updated the balance to {$0.00} but failed to delete the charge-off a contradiction that violates FCRA 1681e ( b ) ( accuracy requirement ). 
Ignored my identity theft report and refused to block fraudulent accounts within 4 business days, violating FCRA 605B. 
Failed to verify the debt by providing a signed contract proving I owe this debt, violating FCRA 609 & 611.

These violations are severe, willful, and actionable under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax XXXX XXXX have been put on notice over 30 days ago in regard 's to three collection companies that are unlawfully violating the fair credit reporting, again I have sent out legal documentation letters and corespondences XX/XX/XXXX asking them to take action and remove derogatory unlawful reporting is now going on 60 days and still reflecting on profile again I sent out court orders/case number and relevant information to remove imediatly XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX all three credit bureaus should receive Thursday XX/XX/XXXX and should immediately remove from report, the bureaus have stalled time after time regenerating 30 day investigation my documents qualify for immediate removal
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX and Experian continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! - Per Section 623 15 U.S. Code 1681s2 : 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. - Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. - Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.
Product: Credit reporting or other personal consumer reports

I have contacted transunion twice with 2 different dispute letters regarding a couple inquiries on my report & nobody has yet to response to me, sent dispute in a month ago & also sent my second dispute in 2 weeks ago still no answer the inquiries I need to be disputed will be listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I should be able to download transactions automatically to my XXXX account that process has worked reasonably well for years. Suddenly it does not work. When XXXX redirects to the Citi website, after I reach the website, it just buffers and eventually crashes. I called Citi, and they refused to provide assisance. They simply forwarded my call to an ineffective extension. In effect, they hung up on me without trying to help. I tried twice with the same result
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a Citi DoubleCash card on XX/XX/2021. After making my application Citi made two hard credit checks using two slightly different names ( CITI CARDS CBNA and CITICARDS CBNA ). The second check occurred almost immediately after the first and was not authorized. 

After calling Citi the supervising agent said he was unable to resolve this although he confirmed the second hard check was clearly in error.
Product: Debt collection

On XX/XX/XXXX, I was checking my emails. I noticed I was receiving an email from my identity alert subscription, informing me that I was in collection. I contacted them ( collection agency ) Helvey and Associates ( XXXX ). They informed me it was over an electric bill from XXXX XXXX, in the amount of {$190.00}, from XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX Ohio. I sold that house in XXXX. They said, they were attempting to contact me, but they were sending it to XXXX XXXX, which was the house I sold. They did not send me a DEBT VALIDATION LETTER. I watched my credit rating go from XXXX to XXXX. A drop of XXXX points. This needs to be addressed ASAP. I think both XXXX XXXX ( XXXX XXXX ) and Helvey and associates ( collection agency ) ( XXXX ) should be reprimanded to the fullest extent allowed. I don't understand how an agency can just attack someone's credit score for no reason or proof of any wrong doing. I will be happy to provide any and all information needed, that may help prevent these people from attacking other people, with no evidence or reason.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed EXPERIAN, XXXX and XXXX furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
List of accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Mortgage

Was on a trial payment plan for XXXX, XXXX and XX/XX/2022. Newrez-Shellpoint reported to the credit bureau that I was late for each of the three months. It is my understanding that when on a trial payment plan, you would not be reported as late as long as the payment was received in the month it was due. 

Because of this reporting to the credit bureau, Newrez-Shellpoint has damaged my credit score and prevented me from getting a HELOC when the interest rates were lower. I have equity in my home that I wanted to utilize for repairs and car purchase.
Product: Debt collection

On XX/XX/2018 at XXXX XXXX, I contacted XXXX XXXX XXXX , XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a Citibank credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement. 

I spoke with Mr. XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information. 

I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well. 

When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet. 

He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else. 

I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  On or about XXXX of 2022 I found on my credit a charge card from XXXX XXXX Of department store through XXXX XXXX. I called and they told me it was opened by my ex-wife. I told them it was not my debt, nor would I pay it. I filled in a police report and an affidavit with FTC. I have opened investigations with the three major credit bureaus as well as XXXX XXXX, XXXX, XXXX XXXX, and XXXX. They all Sent letters and refused to take the debt off my report, causing me great harm and loss. I have sent numerous registered mail services to address this issue including copies of my drivers license, copies of the police reports and the affidavits, as well as all other associated documentation. The reason for their refusal to remove the inaccurate credit listing is that the lender verified the debt. I have sent more than one letter of registered mail to the lender with no answer nor the removal of any inaccurate information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the XXXX Credit Report XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

***The ONLY NAME THAT SHOULD BE ON ANY CREDIT BUREAU REPORT IS : XXXX XXXX XXXX XXXX XXXX*** ***No OTHER NAMES belong to me AND MUST BE REMOVED. Including all accounts with other the other names than what is written above. *** Credit bureaus are refusing to correct this information. 

Previous complaint was to remove debt not owed. 

Company refuses to remove debt not owed or acknowledge paid in full status as attachment will show. 

Credit bureaus refuse to remove accounts with the wrong name associated or reflect current paid in full status of these debt. 

This company had a data dump of incorrect information in XX/XX/XXXX showing we owe this school loan when it was XXXX in XXXX. This is the date it was reported on my credit report. 

We have a recent document, attached, showing this account was paid in full as of XX/XX/XXXX from XXXX XXXX, when this company said they acquired these loan balances. How can they transfer balances and collect on balances that show paid in full. 

This company continues to harassing me with frequent mailings rather than correcting the issue! 

This debt is not mine. 

This debt was discharged and showed paid in full 11 years ago! Now they are saying it was transferred. They refuse to remove or cease and desist contacting me or reporting this incorrect information. 

The recent information I will attach shows that it was paid in full as of XX/XX/XXXX. 

***It will also show my LEGAL NAME AS XXXX XXXX XXXX XXXX *** NO OTHER NAMES APPLY TO ANY CREDIT FILE OR DEBTS OWED and must be removed pursuant to US CODES. 

This company will not cease and desist reporting incorrect information and sending harassing mail to me now that they have my address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been pursuing an amicable resolution with XXXX XXXX XXXX, XXXX regarding incorrect reporting of a " Late Payment '' with both Experian and XXXX. 

Both XXXX  and Experian are reporting incorrect information regarding these " Late Payments ''. After filing complaints with the CFPB regarding XXXX, my attorney received a letter from XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX department. 

In his letter, XXXX XXXX specifically states that the account was paid off in full prior to my 2015 Bankruptcy and that there were no " Late Payments '' or other derogatory remarks reported to XXXX  and Experian. 

I'm very frustrated at this point that Experian and XXXX  have not reported the account correctly even after filing several disputes with both the credit agencies.
Product: Checking or savings account

I had a credit card and a checking account with Bank of America. The credit card had an option to link it to checking, so as to act as a fee free way to cover overdraft. In the past two years, I went to self employed, so this was great to keep the account positive, and make sure my ACH 's were always funded.

About two weeks ago, Bank of America decided that they were instantly going to be decreasing my credit limit to {$300.00} more than the balance was on my credit line, effectively cancelling the overdraft protection. The credit account balance was {$5400.00} with a credit line of over $ XXXX ( I think it was XXXX ). They decreased it to {$5700.00}, when they knew I had ACH payments coming up and could see them consistently drafting every month. 

This infuriated me, so I moved money form another account to pay this one off, and move solely to local banking. I submitted a payment from my other local bank as the checking account was negative, and was assured it would close once the deposit hit. That was XX/XX/year>. 

Today it is XX/XX/year> and the account is still open. Despite me not having a mobile banking login anymore, I am still receiving emails that my account is overdrawn. ACH debits are still being taken from the account ( forgot to move student loans over ) and the account is anything BUT closed. 

I spent XXXX minutes on the phone with bank of america customer service today, being transferred 7 times, and being told conflicting information. I just kept needing to speak to another department and they would help me close the account and take my {$53.00} payment so the thing would close. 

The last rep informed me that the only way for me to close the account was to go to a branch to pay the {$53.00}, after XXXX reps on the phone told me I could ACH over the phone to settle it. 

After reading horror stories on XXXX, I'm not the only XXXX. 

It is infuriating that there is no closing a bank account the way there is closing a credit card. I told them this account was to be closed. I paid the money ( I'm now having to get the XXXX transaction that DID go through, reversed ). I have been told conflicting things locally, multiple occasions on the phone, and this will now be my third payment after " closing the account ''. 

This is my last ever account with a large bank. The CFPB needs to look into this, because not everyone has the time to spend on the phone while some banker on a yacht uses the never ending fees on my account to pay his wait staff and fuel his motor yacht. 

DO SOMETHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the 3 credit bureaus of a list of inquiries into my credit report that were not authorized and not done by me It has been over 30 days and theres still been no resolve and items not removed from my credit file. I have attached a photo of the previous complaints with CFPB that has still not been resolved.