23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 information is inaccurate.
Product: Checking or savings account

Capital One, the duplicitous and nefarious company had the audacity to close my account on XX/XX/XXXX via an email. These parasites restricted my account where I couldn't access my money. It professed violation of terms ... .ARE YOU KIDDING ME. I was never overdrawn, didn't write bad checks ... I called them to stop payment on a XXXX XXXX, they professed, I didn't give them 3 day notice. Well, they paid them. Then they closed my account!!! 
My claims I filed should have absolutely no significance. These, to reiterate parasites, left me without my HARD EARNED MONEY. Since, Friday I have no money foe gas to get to work, I have had NO food, they left my son strained in another state without money. This is pathetic YOU allow banks to do this!!! Then, they put the provisional credit on my account. Where I already told them I was refunded. This bank is so incompetent. The emotional distress they endured on him has been crippling. I am appalled they have treated me like a criminal. They are the ones that are criminals. I want my account to be off restricted status AND REOPENED and an apology for the criminal ineptness.
Product: Checking or savings account

Regions bank balance of checking on Friday XXXX -- XXXX XXXX XXXX transfer from saving of XXXX into checking Regions ATM withdrawal from checkings of XXXX on XXXX balance in checking account not reflected after withdrawal or after transfer from savings on XXXX not reflected on balance Deposit check of XXXX at regions bank in XXXX ga into savings in the amount of XXXX Balance on Monday XXXX XXXX After deposit of XXXX into savings XXXX XXXX was transferred into checkings and then XXXX was deducted from checkings again XXXX transfer into savings Saturday XXXX is not reflected in checking account I Did not authorize any transactions after check deposit on Monday XXXX Bank will not acknowledge anything that is going on Filed and complained of fraud on checking and savings account to bank branch and police report filed This is second time filing fraud on the same account Authorized user on account can only transfer funds to checkings account can not access savings and is authorized payee of funds dispersed each month from XXXX XXXX will not show transaction history balance or transactions reflected on Saturday XXXX from checking or savings Talked with fraud department and went to bank personally was giving the run around XXXX deposited from check into savings XXXX transferred from savings into checking XXXX withdrawal Saturday XXXX XXXX with drawing on Monday XXXX after unauthorized transfer from savings to checking Checking balance at that time did not have enough funds to withdraw XXXX Transaction XXXX deducted from checkings twice Transaction was done in Saturday XXXX XXXX withdrawal from balance that day Then was taken again on Monday XXXX as if I never went to atm Saturday XXXX Amount dispute XXXX owed from bank for unauthorized transactions
Product: Credit card or prepaid card

In XX/XX/2017, I had an unauthorized transaction put on a Citi credit card that I had not been using for a long time ( and so, had not been checking statements as I knew I hadn't used the card -- -the card had {$0.00} balance prior to this transaction ). I only found about this transaction when I checked my Credit score and saw that it had dropped 100 points ( previously was in the 820s, dropped down to 720 or so ). Upon checking my credit reports, there was a 60-day past due mark associated with this account for XX/XX/2017. I contacted Citi -- -who offered to refund the associated late fees and also to help me fix the credit report -- -- because there was an understanding that this all related back to an unauthorized transaction on my account. They said that if I could get the merchant to reverse the charge -- -as proof that it was an unauthorized charge -- -- that they'd refund the late fees and also help me get the credit report fixed.

I got the transaction reversed, and Citi subsequently removed the late fees -- -- but the delinquent mark on my credit report still sat there for months.

Recently, I wrote a credit bureau dispute directly to Citi 's Dispute department and provided all of the necessary detail needed for them to work with the bureaus to fix my credit report. However, their team wrote back to me with a letter stating " our records show that the information on your credit report is correct '' -- -- in spite of the fact that multiple service reps that I talked to agreed that I shouldn't have a delinquent status over an unauthorized transaction that went unnoticed on my part ( again, the card was not being used for months, so it took a while to even see the transaction ).

I am looking for the CFPB 's help to intervene on my behalf with Citi so that they can take the corrective action -- -- which is within their means -- -- to work with the bureaus to get rid of the bad mark on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal and non-verbal permission 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This acct was a secured XXXX XXXX card and they say i owe them and they are reporting this on my credit report and if it was a a secured card how can i owe them because the acct was closed in good standing and you could never go over the secured amount i have asked for documentation and they continue to refuse to give send it to me
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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  of Inquiry XX/XX/XXXX
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. XXXX : # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) : # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX  XXXX : # XXXX has violated my rights. 
I looked at my Equifax credit report on XXXX XXXX2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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

Within 15 days from now, I will be updating my credit reports once more. Let just repeat that per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. And I also attached the files that I include in my complaint dated XX/XX/XXXX. This was my 16th complaint and a follow up notice that I need these items below REMOVED within the given 15 days timeframe. Please see the items below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX : XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX : XXXX XXXX XXXX Balance XXXX {$32000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank Corporation deliberately and unfairly charged my personal account overdraft fees in a discriminatory and XXXX biased manner. 

In XX/XX/2021 XXXX bank charged overdraft fees for my account ending in XXXX the amount of USD XXXX and my account ending in XXXX the amount of XXXX. 
I disputed and paid these fees in full. The bank statements are attached. XXXX stole my money. 

In XX/XX/2021, XXXX again charged my account XXXX the amount of XXXX for a single transaction of XXXX dollars. XXXX  then proceeded to harass me with mutliple telephone calls and collection letters and put my name on XXXX XXXX, even though they were informed the charges were false. They also reported me to a collection agency and cost me an XXXX loan of XXXX. The evidence is attached. 

XXXX bank favored XXXX  XXXX  customers over XXXX  XXXX  XXXX workers including XXXX discriminations, including me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

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

I understand that the law is civil judgments and liens can stay on credit for seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely  XXXX .
Product: Debt collection

Their was a vehicle purchased in my name in New Jersey but I live in Missouri and with a financial institutions called gm financial I. Amount over XXXX as of XX/XX/XXXX I have filled police reports, mailed letters to all credit reports and the financial company on this issue. I have called numerous times stating all of what I done and proof on I could not been in that location to do what they say I have done. I serve in the military and have proof I could not been their at the time. It is XX/XX/XXXX and I am still fighting this issue I have froze all of my credit until this is resolved and cant purchase anything until so.
Product: Credit card or prepaid card

I have a PayPal credit account through Synchony Bank. They offered deferred financing for 6 months on purchases over {$99.00}. Three of my purchases were expiring on XXXX. I made a large payment of {$910.00} and used the chat feature to request the payment be allocated to the purchase of the same amount. Had this been done properly, I would have avoided {$110.00} in accrued interest. Two days later, I see they missapplied the payment to a lower purchase amount ( which only carried accrued interest of {$40.00} ) leaving a balance on the purchase amount I was trying to pay. This will cause me to be charged for the higher interest amount of {$110.00}. When I called the company to have it corrected, I was told it will take 1-2 billing cycles to correct it, they also provide no proof/verification of the conversation. I received no record of the original chat, as they do not email a copy as most companies do, and you can not take screenshots of the chat. So I have no record of the conversations. It is my belief that this was intentional so that the company can collect more interest from customers. I made the payment amount for the exact dollar amount of the purchase I wanted it applied to, so it should have been " dummy proof ''. I wonder how much money they have made by doing this to customers " accidentally ''. I raised the concern that I will be charged interest on the accrued interest that is going to be applied. I do not feel that the information they provided is truthful or accurate. The agents all have fake American names ( always two first names ) and when I expressed my distrust of the company to one of the agents I spoke to, they said " just trust us ''. Everyone knows that is a major red flag when someone says that. This whole situation reeks of intentional fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested and not received the actual documentation showing my signature on for this loan. I did attend one semester at XXXX but didnt attend a second semester. I am being told this loan is for a second semester which I didnt sign for. XXXX took the money and didnt return it to the government. I am not liable for this money as XXXX basically stole it.
Product: Debt collection

Subject : Unauthorized Transaction on PayPal Account On XX/XX/XXXX, an unauthorized transaction of {$550.00} was made using my PayPal account. The purchase was made with the seller XXXX XXXX XXXX XXXX XXXX. The Transaction ID for this purchase is XXXX. The item purchased was XXXX XXXX ( Item # XXXX ) and the total amount included shipping and tax charges. 

Upon noticing the transaction, I immediately reported the issue to PayPal via their Resolution Center. However, despite multiple attempts to contact PayPal for support, I have not been able to speak with a representative to resolve the issue. I believe my account was compromised, and this transaction was fraudulent, as I do not know or live with anyone in the shipping address provided for the transaction. 

Furthermore, the backup payment method for this transaction, a VISA card ending in XXXX, has also been affected. I reported the issue to my bank, which kindly removed the charge. However, the issue with the PayPal transaction remains unresolved. 

I kindly request that this matter be investigated promptly and thoroughly. I have always used PayPal believing in its commitment to user security and am disappointed at this breach and the subsequent lack of customer service. I hope to see this situation rectified and measures taken to prevent such incidents in the future.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am convinced that Google Pay  is nothing more than a massive racketeering operation posing as a " free service '' to transfer money. I tried using the service to receive {$700.00} owed by a client. He paid me via Google Pay on Wednesday XX/XX/XXXX. It is now Tuesday, XX/XX/XXXX and I still do not see the money in my bank account/VISA debit card. My client and I have contacted Google Pay numerous times and we were repeatedly told that the money would be in my account " within 24 hours ''. That promise has now been broken several times. The transaction in question is Google Pay transaction number XXXX. In the 21st century it is inexcusable for any digital transfer of money to take more than 24-48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognized and Account from Toyota Financial Services that been reported to my credit report. 
Also I was informed that at the beginning of the contract Toyota Financial Services has a wrong social security and they updated later once I tried to contact them about the unrecognized account. 
I sent a Debt Verification letter to Toyota Financial Services and they failed to respond.
Product: Debt collection

Via the CFPB portal, on XX/XX/year>, under Comsumer Law, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I requested the original leasing agreement, in which Pro Collect is alleging a debt I owe to the Creditor, XXXX XXXX XXXX XXXX XXXX 

Via the CFPB portal, on XX/XX/year>, Pro Collect responded to my complaint. However, they did not adhere to the law ; they did not provide the original leasing agreement, in which they are alleging I owe a debt to the Creditor, XXXX XXXX XXXX XXXX XXXX 

Under law, the burden of proof is on Pro Collect to show and prove the claim they are alleging.
Product: Mortgage

MY MORTGAGE LOAN SERVICER IS UNITED BANK. 
LOAN # XXXX. 
I HAVE BEEN MAKING PAYMENTS REGULARLY. 
EVERY MONTH I AM ASSESSED A LATE FEE- THE REASON IS THAT THE PAYMENT IS NOT POSTED BEFORE THE LATE FEE DATE WHICH TYPICALLY IS THE MIDDLE OF ANY MONTH GIVE OR TAKE A DAY. 
I HAVE BEEN USING ONLINE BILL PAY OF XXXX  AND PAYMENTS ARE MAILED 7-10 DAYS BEFORE THE LATE FEE DATE. DESPITE RECEIVING PAYMENT IN TIME THE COMPANY DOESN'T POST IT FOR DAYS AND FREQUENTLY POSTS IT LATE AND THEN ASSESS A LATE FEE. THERE IS NO OPTION I AM TOLD OF MAKING DIRECT PAYMENT - LIKE FROM THEIR WEBSITE OR ACH. 
WHENEVER I CALL THEM THEY TELL ME THAT I CAN NOT TALK TO ANYONE IN THAT DEPT AND THEY WILL HAVE THEM CALL ME. THOSE calls HAVE NEVER BEEN RETURNED EVER IN LAST 5 MONTHS I HAVE BEEN HAVING THIS ISSUE. 

THIS IS REALLY PREDATORY BEHAVIOR. THEY ARE HOLDING ON TO THE PAYMENTS AND NOT POSTING IN A TIMELY MANNER. WHAT'S SUSPICIOUS IS THAT THE PAYMENT POSTING DATE IS ALWAYS ONE DAY AFTER WHICH THEY CAN ASSESS A LATE FEE. 
THIS SHOULD BE LOOKED INTO ASAP. 
THEY HAVE POOR CUSTOMER SERVICE AND ARE NOT SERVING CUSTOMERS.
Product: Debt collection

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file