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

Innovis this is a formal Complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
I never gave you written consent or verbal consent to furnish my personal information on this credit report that is actually breaking FEDERAL LAW! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months. 

I'm also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 


According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

Earlier this year, my wife and I tried to log into our Citi Card app, at which time were prompted to accept the terms of use in order to log into the account.  What we didn't know at the time we accepted the terms of use, was that we agreed to paperless billing.  This was not disclosed to us at the time, and we have never had paperless billing, since 2008 when we signed up for the card.  Two months later we received a letter that our credit score had changed, which was a surprise to us, because we have always had close to 780-790 credit scores.  When we called Citi to ask about this letter, we were then told that we had not paid the previous 2 months bill.  We explained that we never received a bill in the mail, at which time they disclosed to us that we elected for paperless billing when we accepted the terms of use, "because is it what most people do now a days".  Our balance at the time we got the letter was $XXXX, I could have paid the balance the first month, but did not realize that we had elected unbenost to use paperless billing.  I sent a letter explain the circumstance to Citi, and they basically said tough luck, no one in the call center could help me at all after multiple calls and the only way they said I could get an answer was via letter.  After I sent the letter, they sent me back 3 different letters, saying that they understood I no longer wished to dispute the credit reporting. I never expressed that in my letter and again could not get a single representative to help me in this process.  I did not mind paying the balance, but the negative credit reporting that Citi did has greatly impacted my wife and I ability to refinance our mortgage, and again I am not getting any help from Citi Cards in the matter.  Your help in this matter is greatly appreciated,Regards,XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have sent all the correct information to the credit reporting agencies and the FTC report according to the FCRA. My disputes are not being processed correctly and I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was unfair and deceptive, as they did not reply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have supplied Equifax with a copy of my certified police report, a fraud affidavit and a copy of my report that was filed with the FTC. To date, they continue to re-insert fraudulent information on my credit and or they wont remove it. This is actually my second complaint within 6 months. They always ask for 60 days to investigate the situation and they do nothing. 

I am requesting the following accounts be 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 I have not applied for credit with in the past 5 years and I am requesting they remove the following fraudulent inquiry entries 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 Also my credit should have been frozen and these unauthorized inquires should have not been allowed on my credit. I am also requesting again that my phone number be added to my fraud alert XXXX. 

Equifax Confirmation Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX, I saw a great deal of preapprovals on Credit Karma . From the outset, I didn't give it any consideration yet Credit Karma continued to send me a wide range of various preapprovals informing me that I was preapproved for Mastercards, individual credits, and that I can refinance my vehicle. On a regular basis, I would see these offers each time I signed in to check my financial assessment. Following a couple of long periods of being informed that I was preapproved, I assumed I was currently in the ideal spot to apply. I helped such countless proposals through Credit Karma, I began educating my family concerning speculations and excursions we planned to use to these preapprovals for. I at long last applied nearby some time in 2020 and I got denied for 2 Mastercards, and a 3 individual credits. I was XXXX I was exceptionally furious and I felt bamboozled. I was showcased to for a really long time letting me know I was preapproved. THIS WAS Completely false! I was seriously worried! I was sick for quite a long time! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went from XXXX to XXXX and was wild. Presently, every time I see preapprovals I promptly close my phone and shut my PC off. This has made me so uncomfortable and restless that I have not actually looked at my acknowledge as often as I should
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an unfortunate incident involving Transunion 's erroneous reporting of my credit score. I believe this issue warrants your attention as it directly affects my financial well-being and potentially violates the Fair Credit Reporting Act ( FCRA ) guidelines regarding incorrect reporting and its adverse impact. 

On XX/XX/XXXX  Transunion information extracted by XXXX XXXX shows a decrease of XXXX in credit score. I contacted TU directly and the company verified no changes and no adverse information on my credit profile. XXXX XXXX asserts the information comes directly from the reporting agency. However, theres a significant discrepancy between the two companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NORDSTROM/TD BANK CREDIT CARD IS REPORTING THE INCORRECT BALANCE. THE BALANCE IS {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX acc # XXXX. XXXX XXXXXXXX XXXX acc # XXXX XXXXXXXX XXXX XXXXXXXX acc # XXXX. XXXX XXXX XXXX acc # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 artedates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After purchasing a car and obtaining financing from Truist ( through the dealership ) in early XXXX, the dealership failed to file registration and title paperwork for the car, resulting in not being able to legally drive the car after the temporary tags expired 30 days later. While attempting to get the dealership to file the required paperwork, Truist made an automated phone call to me on XX/XX/XXXX asking if Id like to move the payment due date to XX/XX/XXXX, which I accepted. Subsequently, they reported that my account was over 30 days late based on the original due date of XX/XX/XXXX having not actually changed the due date in their system to XX/XX/XXXX. The bank is taking the position that the due date was never moved and that this was a payment arrangement. Based on the communication they made to me, I believe this was misleading and unclear that a payment arrangement does not move the due date and may impact your credit report. 

Its worth noting that I operated under the assumption that my due date was in fact moved and made a payment prior to being 30 days late, while I worked in good faith with the dealership to try to get them to file the paperwork. If they had made it clear that the payment date had not been moved, I would have sought to void the contract which I believe would have been my right due to the dealership not delivering the paperwork within the legally required 30 days.
Product: Credit reporting or other personal consumer reports

i am victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction that i have mad. it is the result of identity theft. 
please block this information from my credit report according with section 605B of the fair credit reaporting act.
Product: Debt collection

NATIONWIDE ACCEPTANCE LLC XX/XX/2020 CONTACTED MY EMPLOYER " AND HIRED A PARALEGAL TO SET A GARNISHMENT FROM MY PAYCHECK AFTER COURT DOCUMENTS WHERE PRESENT WITHOUT MY KNOWLEDGE.
Product: Money transfer, virtual currency, or money service

I am writing for formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also threat allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Student loan

I took out what I believed to be a private personal loan in XXXX from XXXX. This was not based on my attendance at school or any other financial aid but was considered a " private signature loan ''. In XXXX, I fell on financial hardships and filed for bankruptcy which was discharged in XXXX. The lender received notice and did not object to the discharge during the bankruptcy proceedings. I was led to believe that the loan was eventually discharged with the bankruptcy in federal court. However, in XXXX, after a series of transfers of holders, the lender 's newest agent sued me in Indiana XXXX XXXX, arguing that they were a private student loan that met the priority exceptions to bankruptcy. However, they are not specificied as a priority that is listed in the statute and I believe they should have been discharged with the bankruptcy. I need to know how I can tell if this loan was considered dischargeable or not. I pulled my NSLDS record and they are not listed as a government backed student loan as required under 11 USC 523 ( 8 ) a. Nor do I find that they are a qualified student loan under 11 USC 523 ( 8 ) b. Please advise me to the appropriate source to determine for sure whether or not the loan qualifies to survive bankruptcy and whether I would or would not owe it. I have consulted several attorneys who seem to say this is too technical and there should be an easy resolution.
Product: Consumer Loan

I applied to Bank of America for a car loan on the purchase of a used car from a private owner. I was approved for the minimum loan of {$5000.00} by Bank of America ... I sent the registration and title creating a lien interest in Bank of America. Bank of America has reneged on the car loan and has failed to return the title and has failed to release the lien
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Venmo is bankrupt. They have liabilities to customers denominated in XXXX and they don't have the XXXX They are retaliating against me by preventing me from moving funds, and converting funds to XXXX. Their customer service number plays music for XXXX minutes then goes silent. Clearly this is an attempt to get people to hang up and not get answers. Eventually the music comes back and then they assure you the wait time is XXXX minutes, but then it takes XXXX. They they come up with two different reasons for not cashing the check. First is it " risk '' department, then it is because of random metadata that they collected through unlawful spying they decide they are entitled to discriminate against me. The only " risk '' is that I'm aware venmo is bankrupt and dont have the bitcoin collateral and therefore any access that I have to money is a liability for them because it removes liquidity from their fraudulent system.
Product: Payday loan, title loan, or personal loan

When I first started using this account it was app based connected to a phone number. I open a XXXX ( I think they call it a loan ) and transferred money over to them. 
All was working great until I had an update to the app and I no longer had access to the XXXX. I can not make adjustments to the payment ( want to pay it off ) however they are still taking the minimum payment from me and charging me a {$9.00} service fee. Ive tried calling them weekly for the last month and only get a user busy notice. Ive emailed them multiple times over the last 2 months and the actually get someone to respond but the problem hasnt been resolved. Their chat service has completely ignored me.
Product: Credit card

A Venmo Credit Card was opened in my name in XXXX XXXX XXXX. The credit card is issued by Synchrony Bank. I called Synchrony Bank in XX/XX/XXXX to close the credit card, and they recommended I open a fraud case because I did not apply for the account. I agreed, and I received a letter on XX/XX/XXXX that the fraud claim has been resolved in my favor and it was determined that I did not open the account.

When using the Venmo app on my phone, both the physical card and digital card show up as payment methods for my account. I called at some point in XXXX or XXXX to confirm the credit card account was closed due to it showing up, and I was assured it was closed. 

I called again in XX/XX/XXXX and was told both that the credit card account was closed, and that the fraud investigation had been resolved in my favor. I received a new letter dated XX/XX/XXXX which again confirmed the fraud case was closed. 

Both the Venmo website and phone app still show the credit card as a valid payment method, and my credit report still show the card account as being open. It still shows a full credit card number, expiration date, and security code.

When speaking on the phone with customer support agents, they claim the issue is solely with the credit bureaus, however the Venmo app also indicates that the credit account is not closed.

I never utilized any credit on this account, and I never activated the physical card. I can't get a straight answer why it still appears this credit card account is open. It's been almost 3 years since I requested the the account to be closed.
Product: Debt collection

The XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX was canceled it was for my niece once she was unable to go I canceled and then this appeared on my credit report. They also illegally obtained my social security number because I didnt give it when I signed up for my niece we were both actually underage at the time I was XXXX and she was about XXXX or XXXX.
Product: Prepaid card

I purchased a gift card on XX/XX/2025 for {$500.00}. I have not been able to use the card and each time I call customer service they tell me to call back in XXXX hours. This is a none thing being done by this company because I have purchased a few, and my coworkers purchased them, and they give the same issue and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations item unknown XXXX, XXXX XXXX XXXX, XXXX, XXXX inquires that i'm not aware of
Product: Credit reporting or other personal consumer reports

I am filing this complaint to CAP ONE AUTO for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Debt collection

Per company : This is the third complaint in regard to this debt. We sent the our first notice, being the " model notice '' on XX/XX/22 to the same address as on this complaint. We made XXXX more additional attempts prior to credit reporting. The first contact from XXXX XXXX was the first CFPB complaint on XX/XX/22.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of inaccuracies in your reporting concerning my account. According to the Fair Credit Reporting Act ( FCRA ), you, as the furnisher of information, are legally obligated to ensure the accuracy of the data you report. 

Account # XXXX Upon reviewing my credit report, The following errors have been identified : Account Name : XXXX High Balance : {$920.00} Date Opened : XX/XX/XXXX Balance Owed : {$250.00} ( as of the most recent reporting dates ) Account Status : Charged off as bad debt Dates Reported : XXXX : XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX : XX/XX/XXXX I noticed that the account mentioned above is being inaccurately reported as both a charge-off and a collection account. As per my understanding, once a debt is charged off, it is considered canceled, and a Form 1099-C must be issued as evidence of this cancellation. Therefore, the debt should either reflect as canceled, or the current balance displayed on my credit report should be corrected. 

This inaccurate reporting violates the FCRA. I demand an immediate investigation into this issue, and I expect the necessary corrections to be made promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint wrongly reported to the credit bureaus that I have missed payments since XXXX and impacting my credit score by 187 points, even though my accounts are current. 

I first contacted the company repeatedly and my request was ignored. Then I mentioned about the CFPB and they then said they are looking at the error but did not provide any tangible update on the repair date. 

As of right now, my score plunged and it prevents me to refinance 12 loans even though rates are historically low. 

Loans : XXXX and XXXX