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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

There was a fraudulent transaction made on my debit card in the amount of XXXX through XXXX XXXX. It was made on XX/XX/2023. I checked my bank account that morning and found it. I immediately called my bank and reported it. They denied my fraud claim and said they were able to refund me any of the money because I have submitted too many fraud claims in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may be a concern : I had a loan with Homepoint for around 1 year on address XXXX XXXX XXXX, XXXX CA XXXX. I have setup Autopay from my Saving Account and I have been paying my loan via autopay with no issue. Refer to my document attached for # XXXX 

My XXXX  score has been over 780 for many years until my loan was sold to XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. I have received letters that XXXX has bought out my loan. Refer to my document attached for # XXXX, # XXXX, # XXXX. The letter clearly say the notice requires no action on my part, assuming the autopay will continue. 

Until I found out my XXXX score dropped in XX/XX/XXXX from my XXXX  XXXX XXXX report and found it the autopay was not working. I have immediately pay off all my outstanding payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I found XXXX XXXX XXXX has not reached out to me for this issue and resolve. 

I filed a credit review to XXXX  and not able to resolve this. Please refer XXXX 's response on # XXXX, # XXXX and # XXXX for your reference.
Product: Vehicle loan or lease

Complaint already filed on XXXX XXXX of XXXX being worked on separately. I hate to file this on the bank but I have no other choice. I purchased a brand new travel trailer on XXXX XXXX, by XXXX XXXX, I still had received no merchandise for the loan they took out on me. As of XXXX XXXX, I was advised that XXXX XXXX was in the process of flat cancelling the loan. I have gotten nothing but lies from both companies. I have filed complaints and ca n't get returned calls. On XXXX M & T Bank confirmed to me they had received the collateral from XXXX XXXX to flat cancel the loan and my account would show updated and closed on Monday. I have been more than patient but am now questioning if either company is telling me the truth. Today is XXXX and the loan is still showing open and accruing interest. What on the earth is the hold up? I ca n't deal with this stress much longer. It is killing me! Thanks for any help in reaching out to this company. Attached is the documentation for the conversations between the bank rep and myself. This has gone on for far too long.
Product: Prepaid card

After asking these questions the customer service representative told me that the online stores I was shopping at were not accepting the American Express gift card even though the places I shopped at said they were accepting it. When I explained that I have used it in store at various places the customer service representative proceeded to repeat the same thing over and over again. Stating that the stores I was shopping at was not accepting the card and to try a different store. I have tried everywhere. Including fast food places and various in store retailers. I can not use the card and the customer service is no help at all.
Product: Checking or savings account

I did a dispute from my bank on XX/XX/XXXX for the amount of XXXX and its been past the 90 days and i havent heard anything back from them about it and i did another dispute last week for the amount of XXXX and still havent heard anything back from them. I didnt even received any provisional credit or no decision
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives, I am submitting this formal complaint to request immediate enforcement action against the major credit bureaus ( XXXX, XXXX, and Equifax ) and the creditors associated with the fraudulent and inaccurate accounts reported on my credit file. These violations of my rights under federal and state laws require your urgent attention and intervention. 

Details of Violations XXXX. Fraudulent Accounts and Reporting Errors The following accounts have been reported without my consent or knowledge and contain multiple discrepancies in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX ( Account No. XXXX ) Discrepancies : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification. 

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Collection account with balance discrepancies and lack of validation. 

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : High credit amount variations and conflicting open dates. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Monthly payment inconsistencies and lack of proper validation. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX XXXX  Discrepancies : Erroneously reported bankruptcy filings that I never submitted. 

Violations : FCRA 607 ( b ), 15 U.S.C. 1692g.

2. Unauthorized Credit Inquiries Unauthorized credit inquiries include : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my knowledge or consent and violate the FCRA and Identity Theft XXXX. 

XXXX. Incorrect Names and Addresses My credit report contains fraudulent and inaccurate personal information, including : Incorrect names : 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 

4. Failure to Protect Personal Information The credit bureaus and creditors failed to protect my personal information, allowing fraudulent accounts to be opened and reported without adequate safeguards, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ).

Requested Actions I respectfully request that the CFPB : Enforce Immediate Removal and Blocking of Fraudulent Accounts and Inquiries thanks,
Product: Checking or savings account

Chase bank locked my account due to what they said was unusual activity but accepted 2 direct deposits from my job and won't give me my money, they told me they are holding my money for whatever reason so basically stealing money I earned from my job
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
Product: Credit reporting or other personal consumer reports

OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Interactive Attn : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( TransUnion, XXXX, or XXXX ) through arbitration. 
Again, I reject the arbitration clause in the ( TransUnion, XXXX, or XXXX ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, Your Name
Product: Credit reporting or other personal consumer reports

Late payments reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on an account under an open end consumer credit plan late for any purpose
Product: Debt collection

On XXXX XXXX, XXXX I was served a summons and complaint on a paid debt. The original debt was from a bank account with XXXX that was closed on XXXX/XXXX/XXXX. It was then transferred to Weber & Olcese for collection. On XXXX XXXX, XXXX I XXXX XXXX XXXX called Weber & Olcese to settle the account. I paid the settlement offer of XXXX offered to settle the account. I paid the account through a personal credit card for XXXX. I received a letter stating the account was settled from Weber & Olcese. On XXXX XXXX, XXXX I received a summons of complaint for the same debt.
Product: Credit reporting or other personal consumer reports

I have reached out to TransUnion to remove these item XXXX and XXXX and wont remove them Also, because I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume, that no proof of the alleged debt, nor therefore any such debt in fact, therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Balance {$240.00} XXXX-Balance {$730.00} XXXX XXXX-Balance {$20000.00} FXXXX XXXX-Balance {$360.00} FST XXXX-Balance {$130.00} XXXX-Balance {$470.00} XXXXBalance {$0.00} XXXX XXXX XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance {$130.00} XXXX XXXX XXXXBalance {$12000.00} XXXX-Balance {$0.00} XXXX  XXXX XXXX-Balance {$0.00} XXXX XXXX FXXXX-Balance {$2400.00} XXXX-Balance {$0.00}
Product: Credit reporting 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 USC 1681. I told Equifax reinvestigate these Hard Inquiry : However, they stated everything was complete and accurate. 

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 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. 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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. 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 In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. 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
Product: Mortgage

Mr. Cooper systematically delays the assumption process to recoup fees lost by processing a XXXX XXXXXXXX. Mr. Cooper accomplishes this by setting its own guidelines for XXXX XXXXXXXX that are not in accordance with ANY XXXX XXXXXXXX regarding XXXX XXXXXXXX, failing to respond to any request for reasonable information in a timely manner, and governing control over the truthful dissemination of any information. 


On XX/XX/2025, I officially requested to perform a XXXX  XXXX XXXX for my primary residence. On XX/XX/2025, I submitted the Seller 's Questionnaire directly to XXXX XXXX ( Mr. Cooper Escalation Manager ) due to the extreme difficulties with the last assumption that I attempted with Mr. Cooper. In addition, I have sent multiple emails to XXXX XXXX ( Mr. Cooper Assumptions Loan XXXX XXXX ) and XXXX XXXX ( Mr. Cooper Senior Loan Processor ) none of whom have directly answered questions. Moreover, I have made multiple calls to Mr. Cooper 's Escalation Department, who confirmed that the loan assumption tracker displays that the file is in the financial qualification stage. However, the buyers have not received any communication from Mr. Cooper to start the loan assumption.
Product: Credit reporting

I disputed a business account that is reporting inaccurately on my personal credit profile, I have not been provided with any documentation that supports the credit reporting agency 's or the credit furnishers investigation process or any information the might have reviewed to make the decisions they have regarding this account.
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 USC 1681. 

Acct # XXXX XXXX XXXX Acct # closed XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Had Violated My Rights. 

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from My Credit report for myself XXXX XXXX last XXXX of social security number is XXXX, XXXX XX/XX/XXXX. PLEASE DELETE THE FOLLOWING XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$34000.00} XXXX XXXX {$140.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my 3 disclosures to opt out of reporting my personal information to unaffiliated third party consumer reporting agencies, pursuant 15 u.s.c. 6802 ( b ), but they dishonored my request, sent me a copy of a promissory note. This is my second time notifying XXXX XXXX XXXX XXXX. They are violating my rights to privacy. They have no PERMISSIBLE PURPOSE to furnish my personal private information to the CRAs
Product: Student loan

Edfinancial loan provider needs to be looked into. I requested a refund for payments made during the COVID pandemic, along with many others. These refunds are taking up to 150-200 days with no email or paper confirmation. Many people with other loan providers are receiving their refunds much faster, but Edfinancial is being unreasonable about their timeline. I need to be sure that this refund is processed before the end of the year and before forgiveness. Please help.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX is saying that I did not pay our XXXX, 2024 cell phone bill, however two payments were debited from our account in XXXX, 2024. The first payment on XX/XX/XXXX was for the month of XXXX, the payment debited on XX/XX/XXXX was for the month of XXXX. We switched to XXXX XXXX on XX/XX/XXXX, and have had no service from XXXX XXXX since that date. 
I received no written notices from XXXX XXXX and no attempts were made to contact me via mail, email or phone- all of which they had. I only noticed the issue when XXXX notified me that a new account had been added to my XXXX credit file ( I have credit monitoring because my SSN was used to file fraudulent tax returns, file is locked ) My credit file shows a collection account from Harris and Harris was opened up for XXXX XXXX in the amount of {$150.00} on XX/XX/year>2024. ( reference # XXXX ). I never received any notice that this was being sent to collections, nor any other correspondence from XXXX XXXX or Harris and Harris.

My credit is exceptional, and I don't think it's fair for a company to hurt a person 's permanent credit file over a fraudulent charge. I have proof of payment, but all files are too large.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against CURACAO for committing identity theft. I have never given CURACAO any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from CURACAO before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CURACAO can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CURACAO can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CURACAO continues its collection efforts, I will file for litigation for actual damages caused and CURACAO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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 u fair and deceptive, as they didnot comply with error tesolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and finicial loss abd i seek appropriate redress for these violations