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

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXXXXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX ROW XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Product: Debt collection

Synchrony Bank sold my debt to XXXX XXXX. XXXX  sent information to my place of work after I told them I would lose my job if they did. Then they started withdrawing {$50.00} from my bank account monthly without my permission. This is fraud. I would NEVER had begun paying them. They had no legal claim to my debt. I entered in NO agreement with XXXX.
Product: Credit reporting or other personal consumer reports

Contacted Regions Bank to request to have my payment adjusted in good faith since I have NEVER made any late payments and was advised that I am not able to have any adjustments on my account. I then asked the representative when did they send out my period statement and was it sent out 21 days before the due date and was advised that the statement went out in the mail and not sure exactly when the statement would have out. Which according to what Congress has stated is that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''. I also questioned on why a consumer who is never late on payments can not have an adjustment on their account and the representative stated that they do not have away to adjust the payment history once it has been reported to the credit reporting agency. I am sure that if you can report something you can also send a notice to have to have the information updated. I also sent in a complaint and haven't do not see where they have notified the credit reporting agency of the account being in dispute due to a billing error. This reporting has caused my credit worthiness and general reputation to be in question and is not fair and unequitable. Please update my payment to reflect a good payment standing the account has been paid as agreed and should not reflect anything negativity on my credit.
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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations l.
Product: Debt collection

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over XXXX  days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure XXXX investigate these item within XXXX  days give a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong
Product: Credit reporting or other personal consumer reports

I noticed a fraud account listed on my credit report due to a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

During the course of checking my credit score report, I found many errors including false information of these collections accounts are not 100 % accurate. This has damaged my reputation in becoming successful as a individual person who wants to purchase a home or car or even upgrade my business in order to hire employees in the future. I indefinitely want the XXXX XXXX XXXX XXXX to enforce the deletion of these accounts.
Product: Credit card or prepaid card

I was told by their agent my credit card is closed and a letter dated XX/XX/20 was sent to me to explain the reason. I never did receive the letter I called them again XX/XX/20, The agent told me the letter was not sent, I was told this time, the letter will be emailed to me within 2 business days. I did not receive it yet. 

I believe my card was cancelled due to race discrimination and they do not have a legal reason to cancel my card. 

All I want is a letter of cancellation..
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Citibank and XXXX XXXX have things on my report from 10 years ago. I tried everything to get them removed but they wont do it. I thought 7 years was the limit to report things. Citibank was actually claimed on my taxes in 2019 because the issued a tax form on the account. Its been paid and written off.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On my credit report, there are 4 negative accounts which show incorrect account numbers, balance and charge off. These accounts do not belong to me. Please delete the accounts as these are hurting my ability to obtain financing. 

These accounts do not appear on XXXX  or XXXX. 

I have highlighted the areas in question. If you can not VERIFY that the information belongs to me you MUST remove the items within 15 Days of this notice. If they are not removed we will take your company to court and sue you for defamation and damages. 

Thank You.
Product: Credit card

Dear CFPB/XXXX, I am filing a formal complaint against Apple Card, issued by Goldman Sachs , regarding their mishandling of my dispute and unethical financial practices. 

I initiated a dispute for transaction XXXX related to a purchase from XXXX on XX/XX/year>. However, Goldman Sachs failed to process the dispute fairly and engaged in double-charging by : 1. Rebilling me for the disputed amount of {$76.00}, forcing me to pay despite my dispute.

2. Receiving a chargeback from XXXX but failing to return the refunded amount to me, effectively pocketing the money. 



This practice is highly unethical and raises serious concerns about fraud, consumer exploitation, and financial misconduct. By rebilling the customer while also collecting funds from the merchant, Goldman Sachs is engaging in deceptive and predatory financial practices. 

Requested Resolution : Immediate refund of the disputed amount ( {$76.00} ) that was unfairly rebilled. 

Full disclosure of how chargeback funds from the merchant were handled.

Regulatory action to prevent Apple Card ( Goldman Sachs ) from engaging in such deceptive financial practices in the future. 


If this issue is not promptly resolved, I will escalate this complaint further to financial regulators and consumer protection agencies. I trust that CFPB/XXXX  will investigate this matter to protect consumers from similar unfair treatment. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX ... .. {$390.00} ... .Please send me original paperwork from parent company that I allegedly signed. 

XXXX , XXXX XX/XX/XXXX .... {$430.00} ... Please send me original paperwork from parent company that I allegedly signed ... 

XXXX XXXX XXXX ... .XX/XX/XXXX .... {$590.00} ... .Please send me original paperwork from parent company that I allegedly signed ... 

I contacted all of these agencies and asked for them to send me original paperwork from the parent company that I allegedly signed and they all said that is not the law and either I pay or they will take me to court. I replied, if you can send me the paperwork from the original company where i allegedly signed I will pay this debt. They all replied that's not the law and the don't have to do that ... .One of them even replied they were going to garnish my military XXXX check ... and told me to be prepared for a lawsuit. Then hung up on me. I served my country, I just want what is right. I am a XXXX Vet ( XXXX ) ... and all of this is beginning to be tough. Please remove all from my credit report Attached is copies of my Identification
Product: Money transfer, virtual currency, or money service

Wise/Transferwise has more than {$10000.00} of my money. I have been unable to access it. They have refused to release it back to my XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account opened at XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Whenever I have had a dispute with zelle for any amount, the money gets directly taken out of my account with no warning or security to make sure the transaction is feasible. Even when disputing with XXXX XXXX  XXXX they say there is nothing to do and the transaction can not be cancelled nothing. Nonetheless the money is lost and is not traceable after that. It has been getting to the point where any user can send money to whomever or lose their money in most cases without any form of security for the sending party. This has allowed for any scammers or offenders to easily prey on vulnerable people knowing there is no solid system that protects consumers.
Product: Debt collection

I have asked for my number to be taken out, and to be removed after I explained to the debater I had set up to call back at a later date was told this is not how this works, told him to just take me off do not contact me, received another call a week later with another rude person.
Product: Credit reporting, credit repair services, or other personal consumer reports

there's incorrect address, they collect information from fraud account my only address is XXXX XXXX XXXX XXXX pa XXXX I have called and dispute many time they do not show me their investigation methode I had dispute fraud account with those address without success
Product: Credit card or prepaid card

I am a XXXX XXXXr who works at XXXX XXXX in XXXX, OR. Our county received CARES funds to support vulnerable clients in XX/XX/XXXX. These funds were put onto Bank of America Rewards Card and given to certain clients in the amount of {$500.00}. This client is a single mother who speaks XXXX. She has not been able to use the majority of the funds on the card, because the card consistently denies purchases. She has called the Bank of America customer service line several times to try to sort out issues. On XX/XX/XXXX this writer attempted to call Bank of America with the client and the bank refused to provide any information to the card holder with someone else on the line. The four customer services representatives who we spoke with used predatory practices throughout the entire call. They kept transferring our call " to a different department '' or would transfer the call without informing us of the transfer. During one call, the XXXX speaking customer service representative told the card holder to " shut up '' or he would hang up the call. He later transferred the card holder to a supervisor who does not speak XXXX. The balance on the card is now lower than it should be. The card holder has experienced verbal abuse and discrimination by Bank of America 's call center. She needs support in order to utilize the few XXXX dollars so that she can buy food and other essential items for herself and her child who has XXXX. As a professional, I was shocked by the blatant cruelty that came from the customer service representatives and extremely disappointed that an entity as rich as Bank of America uses such predacious tactics to cheat a vulnerable person out of such a small amount of money. This system is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Equifax has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. Equifax open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from Equifax credit file and XXXX  credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from Equifax ( I'm  trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Product: Student loan

My son and I ( co-signer ) took out a student loan in XX/XX/2006 for {$8000.00} with a interest rate of 9.250 %. Since this time the interest rate had remained the same until I started to pay extra on the student loans. Then to top it off, I repaid one loan off and received another interest rate increase, not fair or right. During this time, my son has been declared to be XXXX  XXXX by the Social Security Administration. He had other student loans which were forgiven except for the 2 I co-signed. Navient DID take him off or the 2 loans as ( signer ) and made me sole responsible party. 
Looking at the loan papers, I found that Sallie Mae sent me/son a letter with Sallie Mae and XXXX XXXX on the letter head approving his/our loan. I found the loan is titled SIGNATURE STUDENT LOAN but serviced by Sallie Mae and all correspondence was through Sallie Mae. Since this time I found XXXX XXXX has eliminated student loans and Navient has/is the sole financial owner of my loan. 
For your information, I have documentation of my claims. 
Thank you, XXXX XXXX
Product: Debt collection

I am a XXXX XXXX XXXX XXXX  veteran living on a fixed income, i am also in the process of attending college to complete my XXXX XXXX. All three credit reporting companies report different AMOUNTS different OPEN DATE incomplete account number and ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX, I bank with XXXX and XXXX XXXXXXXX XXXX PRIOR TO XXXX. I have never had an account with XXXX XXXX XXXX. I contacted XXXX XXXXXXXX and they have confirmed that I XXXX XXXX XXXX have never had an account with them and XXXX XXXX does not know why PORTFOLIO RECOVERY ASSOCIATES LLC IS REPORTING TO THE CREDIT REPORTING AGENCY. i HAVE CONTACTED PORTFOLIO RECOVERY AND THEY HAVE NO INFORMATION, ONLY ASK ME TO PAY. WHEN I ASK FOR PROOF THAT THIS IS MY ACCOUNT PORTFOLIO RECOVERY ASSOCIATES DISCONNECT THE CALL. i HAVE WRITTEN LETTERS AND HAVE NEVER RECEIVED A REPLY. MY CREDIT REPORT SPEAKS FOR IT SELF I DO NOT USE CREDIT, I HAVE A VISA CREDIT CARD WITH XXXX {$1000.00} LIMIT AND ITS ALWAYS PAID I DO NOT AND HAVE NOT HAD ANY OTHER CREDIT CARDS OR ACCOUNTS WITH ANY OTHER LENDING INSTITUTION OVER THE COURSE OF THE PAST 7 YEARS EXCEPT FOR XXXX. I REQUEST PROOF THAT THIS AMOUNT OWED IS MINE THERE MUST BE SOMETHING WITH MY SIGNATURE ON IT. TO OPEN AN ACCOUNT ONE MUST SHOW  IDENTIFICATION ANY PROOF THAT THIS IS MINE. I AM A XXXX XXXX VETERAN LIVING ON A FIXED INCOME, I AM VERY TIGHT WITH MY MONEY I WOULD NEVER HAVE ANY ACCOUNT WITH ANY OTHER LENDING INSTITUTION BECAUSE XXXX TAKES CARE OF ALL MY BANKING AND CREDIT NEEDS. HOW CAN THIS BE. NO PROOF AND DIFFERENT INFORMATION REPORTED TO ALL THREE CREDIT REPORTING AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

I have used bank of America since XX/XX/XXXXfor my financial needs so I'm writing you to explain my problem. 

In XX/XX/XXXX, I was physically and XXXX attacked by an intimate partner. He stole checks from me which he wrote to other people. He and the people he wrote these checks to are now in jail. 
This horrible attack led me to a XXXX diagnosis and an inability to work. 
I had a short term XXXX benefit from XXXX which ran out in XX/XX/XXXX. I have been unable to work although I am employed still using FMLA intermittent leave. This has pushed my income to near zero and I've used personal loans to get through it. 

Regardless What happened these last 2 weekends I could not plan for. a friend of mine using my car ended up being in an accident and he ended up getting arrested, this meant that money that I was supposed to deposit into this bank account had to be utilized for bailing my friend out and fixing my car. this meant that i did not have the time or the ability to contact each of these creditors who were about to pull money out of my bank account in order to stop the pulls from occurring. in 25 years I don't think I've had one bounced check NSF fee that wasn't related to fraud or dispute until now. I believe at this point there are 8 NSF fees in the last week all related to this particular event.I 'm hoping that you can remove more based on my situation especially said some of these {$35.00} fees are for charges of {$8.00} and {$20.00} which is it absurd fee to pay on charge that low. thank you for your consideration and concern.
Product: Credit reporting or other personal consumer reports

XXXX has continued their predatory practice to include late payments, remarks, and negative history on my accounts across multiple credit reports/bureaus. After many attempts for XXXX and the reporting bureaus to fix the inaccurate reports I am still finding more or updated inaccuracies. After years of trying to repair the damage I found today they have still kept up this grotesque practice. 

My loans, like most, were transferred off of XXXX  to XXXX, and later XXXX, beginning in late XXXX. I have a welcome letter from XXXX  from XX/XX/2021. Somehow despite my accounts no longer being held by XXXX  for XXXX  months and in the middle of a FEDERAL STUDENT LOAN FOREBEARANCE, XXXX  is showing I missed payments over XXXX  days late, negative comments, and late payment histories of multiple missed payments. 

I demand XXXX write a letter to each credit bureau apologizing and highly recommending me for any credit line. I also demand penalties be assessed to XXXX for fraud, providing knowingly false reports and documentation, and negligence. Finally, I demand they remove all of their reports/accounts/etc from my credit reports across all bureaus.
Product: Credit reporting or other personal consumer reports

It is EXPERIANs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting an inaccurate late payment for the XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2023. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.