23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was a victim of identity yet this company has repeatedly failed to violate 15 U.S.C. 1681 et seq and continue to defame my credit report. They refuse to accept that this account was the result of the identity theft. This has prevented me from purchasing a home, this account was fraud yet the company keeps making excuses and deletes and re adds to my credit report. This has been reported as fraud for over two years yet they still refuse to delete this. Please have them stop violating my rights under 15 U.S.C. 1681 et seq. This is a federal offense and will be handled in federal civil court for the XXXX XXXX XXXX  in loan opportunities I missed resulting from this. They will not remove from my credit even after multiple supervisors stated it was cancelled and deleted as identity theft. They have refused to manually remove this as identity theft from all credit bureaus
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Equifax was hacked and the confideitial data that it stored was stolen. How can a company like this allow such a thing to happen? They should be put out of business. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries from One main financial I didnt authorize. I have one from XXXX  XXXX  I didnt authorize and one from XXXX XXXX XXXX that is unauthorized as well
Product: Student loan

In XX/XX/XXXX I contacted a student loan servicer to see if I could have my student loan debt forgiven. I was told that I did qualify and that I had to make a monthly payment of XXXX starting XX/XX/XXXX. In the original conversation I was told that I would be paying the third party company on a monthly basis for them to handle everything on my account. I was told that the only thing I needed to do was make sure I made my payments on time. On yesterday, XX/XX/XXXX, I decided to view my credit score on XXXX XXXX and realized that my score dropped one point. After looking further into it I discovered that my student loan debt was no longer a {$0.00} balance with a {$0.00} payment. I attempted to contact XXXX XXXX  to get an understanding about what happened to my account. They did not answer so I called XXXX. When I spoke with the company they informed me that I was due for a recertification and they sent emails to my account in XX/XX/XXXX. I informed the person about my third party company who was supposed to be handling my account and told her that I did not know about the recertification. She informed me that several people have been scammed by these third party companies into paying for services that are not provided as promised. She told me the options that I had to make my account right and recertify myself. I did the recertification while on the phone with her to get my account back on track and I was advised to make a complaint with CFPB. Today, XX/XX/XXXX, I received a return call from XXXX XXXX during the call I explained the situation and asked for my services to be cancelled. I was told that they are just the finance company and can not cancel the services, I needed to contact XXXX XXXX XXXX. I called and asked for the services to be cancelled on my account and was told that they do not cancel services. I asked to speak with a Supervisor and he informed me that the original company that I signed up with Manhattan Beach Venture LLC, shut down and they took over my file. He stated that I only had 5 days to cancel the services. I explained to him that I never received any notification from them about my account being transferred or being up for recertification. He said that an email was sent in XX/XX/XXXX and XX/XX/XXXXand it may have went to my spam. I asked if my account could be cancelled because the services that I am paying for have not been provided. He stated that I am paying the company for the initial services they provided and that they do n't have to do anything else on my account. I told him that I felt that I was mislead into signing up for the services because I was told that I 'd be paying for continued services for the next four years and since I was able to fix my account and recertify on my own through XXXX I did not want to continue paying XXXX for nothing. He again told me that they can not cancel my account and there was nothing he could do about it. I would like to have my case reviewed and my contract. I am getting a lawyer and I will pursue a lawsuit if necessary.
Product: Credit card

Target has blocked payments multiple times and has opened the payment portal the day after the payment was due to charge me a late fee. The company has done this multiple times and I have contacted it to get these fees removed, but Target has kept these fees and has charged me interest on the fees. I have paid off the card fully at this point, but the company 's fees and interest remain. I would like Target to remove them and close out my account. I have some written records and screenshots. Target has blocked me from using the messaging center to avoid generating more records. Some of these fees are more than a year old, so these have gotten much worse over time. I want my account cleared and closed.
Product: Credit reporting or other personal consumer reports

My credit report has someone elses information. It has my mothers information. I need to remove my mother from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies Equifax, XXXX  and XXXX are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the Equifax, XXXX  and XXXX companies, and they sell your private and personal information or spread wrong information about you!!! 
Equifax, XXXX and XXXX are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
Equifax, XXXX and XXXX are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
Equifax, XXXX and XXXX track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!
Product: Credit card

From XXXX XXXX I went to XXXX XXXX for my birthday when we landed back on the XXXX at XXXX XXXX XXXX XXXX I was waiting for my bags and checking my credit card statements when I noticed some fraudulent charges called my credit card company immediately canceled the card and put the charges in as fraud. Now here, a couple months down the road they sent me a letter saying they determine it wasnt fraud and charged me for it ive done everything I could talk to supervisors reopen the case. The bank basically told me Im XXXX  The charge was made in Texas while I was in XXXX XXXX digitally I showed them I was in XXXX XXXX and they still wouldnt help me. The crazy part is there was another charge from the merchant that they caught and didnt let go through, but then they let this other charge go through and wont give me the money back.
Product: Checking or savings account

On XX/XX/scrub> 2025, I received an email from Citibank stating that my checking and savings accounts would be closed within 60 days, but no clear reason was given. I have approximately {$940.00} in these accountsmy only available funds. 

I immediately called Citibank the same day, desperate for answers and to request access to my money because I am facing a serious financial emergency. Unfortunately, customer service refused to explain why my account was closed and told me I would have to wait 60 days to receive a check. I pleaded for help, but they would not make any exceptions. 

I am in urgent need of these funds to cover essential expenses, and this situation is causing me severe distress. I have struggled with XXXX, and this situation is taking a toll on my mental health. The uncertainty and delay are worsening my condition, and I dont know how much longer I can handle this. Please, I am begging for assistance in getting my funds released as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to complain about Cash Apps failure to take timely and effective measures to prevent address fraud on my account. Despite reporting the issue, the response was delayed and inadequate, allowing the fraud to continue and causing financial loss. This failure to address the matter promptly and effectively may violate the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ), which require financial institutions to safeguard consumers against unauthorized transactions and resolve disputes in a timely manner. I request an immediate investigation, a reversal of any unauthorized transactions, and improved fraud prevention measures. If the issue is not resolved promptly, I will escalate my concerns to the appropriate regulatory authorities for further action.
Product: Debt collection

I received a letter dated XX/XX/2020 from Medicredit for the amount of {$1000.00}. Within 30 days, on XX/XX/2020 the letter I sent back to verify my debt was received by certified mail by Medicredit. I have not received verification of this debt but on XX/XX/2020 two accounts from Medicredit showed up on my credit report one for {$740.00} and one for {$180.00}. If this is part of the letter I received for {$1000.00} I never received a verification letter back from Medicredit therefore it should not be reported. If this is for something else it is fraudulent and I never received a letter for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, i was walking down the street when i got a notification on my phone saying that someone took {$920.00} out of my account. I called the bank and they said they will end banking relationships with me and its likely i cant get this money back.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiries on my credit report. I have recently obtained a copy of my credit report and noticed a hard inquiry listed that I did not authorize. 

I understand that hard inquiries can negatively impact my credit score, and it is important to me to maintain an accurate credit report In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602A. 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 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 ) ( a ) 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. 

The accounts below have violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

I had a wireless device through XXXX. I had an absorbent amount of data charges in the span of three months back in XX/XX/XXXX. The fraud department was called, and the IT department were called to investigate the high data charges in XX/XX/XXXX. I had been a customer since XX/XX/XXXX and had never gone over my data cap. A ticket was opened. A gentleman from the IT department called in XX/XX/XXXX and said that he could see a lot of streaming at odd hours. I told him that I did some streaming but it should not be {$700.00} worth of streaming. 

I immediately disconnected, removed the battery from the wireless device and put it in a drawer. I called again to find out what information the ticket produced. I spoke with an IT manager XXXX XXXX in XX/XX/XXXX. She told me I was still incurring charges. I told her that could not be because I took the device apart. I was prepared to pay what I owed but not if the device was malfunctioning and still continuing to incur charges when it should not. To ensure I would no longer incur more charges I asked XXXX to close my account. She said she would dispute the charges, but could not do it until the billing cycle completed. Both bills were disputed and I have been waiting to hear the results. 

I have called several times during the waiting period in XX/XX/XXXX. I spoke with another woman who told me a Diamond ticket had to be opened. She told me she initiated the Diamond Ticket. 

I received a call that my bill was going into collections. I called Customer Service again in XX/XX/XXXX to let them know I was waiting to hear back on the results of my ticket ( dispute ). The customer support person told me he would notify the collections department to wait until the ticket was resolved. 

I received notification a week ago that my credit report was updated in XX/XX/XXXX. I saw the XXXX bill listed. It should not have been listed because I never received a resolution to the investigation. There should be a credit due back to my account because I know there were issues with the device. 

It would appear that the collections department and the Customer Service Department are not communicating. In fact, the woman I spoke with last week at the Collections Department said she did not see that a Diamond ticket or any ticket had ever been opened. In addition, I asked to speak with a manager and one was not available. They told me I would receive a call in 24-48 hours. That was four days ago. I have not received a return phone call.
Product: Credit reporting

Experian are willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Experian Has not Remove/ deleted the item.
Product: Vehicle loan or lease

I tried to get an deferment and was denied I was on time with all payments and trying to keep my credit right and try to prevent getting fees but they was trying to get fees out of me and trying to ruin my credit and I'm tryin but a house they was no help my next step is getting attorney they was rude and not helpful like they just didn't care.
Product: Checking or savings account

My previous employer partnered with Optum for HSA accounts. I switched employer so I requested to transfer my HSA account from XXXX to XXXX XXXX bank, which partners with my current employer. 

The process requires to send a physical letter as it can not be completed digitally or over the phone. I sent a letter on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my Optum HSA account and saw a balance of {$0.00}, however, when login into my XXXX XXXX account I also see a balance of {$0.00}. 

I called Optum at ( XXXX ) XXXX to request the status of my account transfer, but the agent was unable to locate my old account and provide the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} ; XXXX XXXX
Product: Debt collection

S enex Services replied to your company with false information. Validation was not performed. They never produced anything with a signature by me nor a contract! In fact they violated my HIPpa rights and I demand that they remove this from ALL CREFIT REPORTING AGENCIES. I PROVIDED WHAT THEY SENT AND NOWHERE IS MY SIGNATURE OR ANYTHING THAT VALIDATES THIS DEBT
Product: Credit card

I accessed Experian credit bureau online and I was able to view my XXXX credit reports for free under a trial base for XXXX days. The start day was XX/XX/year> and the last day of the trial period would be today XX/XX/year>. When I went online to Experian I noticed that my credit card information was changed without my authorization. My card ending in # XXXX was listed in their system and it was already past the expiration date however I noticed my card ending in # XXXX was listed in their system. There's ABSOLUTELY no way humanly possible that I input that particular card number as it's my business credit card. In the past I've contacted and demanded Experian to remove all of my payment information from their systems/records in which they willfully and malicious refused to comply in accordance with my request. Therefore I'm accusing Experian XXXX XXXX of credit card theft and identity theft. 

I'll be filing a police report against Experian for identity theft and credit card theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that does not belong to me. I have disputed these accounts several times and this collection agency continues to put this debt on my credit report. 
XXXX, Equifax, XXXX, XX/XX/XXXX XXXX XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XXXX XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX  added a collection account on my credit report {$2200.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX *XXXX  XXXX  placed a Hard Inquiry on my credit *XXXX placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XXXX XXXX  XXXX  XXXX  {$250.00} XXXX XXXX  XXXX  {$20000.00}
Product: Debt collection

I am attaching my final payment for the account referenced above. I request a written confirmation from you that this account is [ paid in full according to the terms of our agreement on XX/XX/XXXX. 

If I do not receive a written confirmation from you, I will consider this final payment as proof of your acceptance that the account referenced above is [ paid in full ]. 

Now that the debt is paid in full, I do not expect to hear from you concerning it, except to confirm that it is paid in full. I will consider reporting any other communications concerning payment to the Federal Trade Commission and my states Attorney General, as well as take any legal action necessary. please update and remove from my credit report ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 **
Product: Checking or savings account

I am writing this complaint because i am a victim of identity theft. I lost my wallet and in order for one of my accounts to get unrestricted I had to express my concern/issues to XXXX XXXX XXXX. There was different accounts open and amounts placed on the cards that was happening with fraud.
Product: Credit reporting or other personal consumer reports

on XXXX a letter was sent to equifax disputing some incorrect personal that is currently reporting on my report. I have yet to receive any correspondence letting me know that my request was even processed.