23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

( 1. XXXX ) In XX/XX/2018 I spoke with XXXX XXXX XXXX store card to ensure my payments would be allocated to promotional balances. 
In XX/XX/2018 I was charged interest so I called in to inquire as to why and they talked me through selecting this online ( even though I had already done this in XXXX. Today I was updating my budget in preparations for the holidays and noticed approximately {$160.00} in fees that resulted because my payments were, again, not allocated. I spoke with a supervisor who said " this does happen frequently but you know, we do expect you guys to check in every month. '' She refused to pull recordings of past conversations or verify who/how my selected allocation preferences were changed and said that she was unable to assist in recovering these funds in any way. 

( 2. XXXX ) In XX/XX/2018, I was solicited at a gas station to take advantage of an amazing promotion : 5 % cashback for nonfuel purchases XXXX cents per gallon in fuel credits up to {$1000.00} purchases XXXX cents per gallon in fuel credits for every gas purchase We were going on a month long road trip and these promotions sounded perfect- I would make payments every few days and could get all of our gas, other purchases, even pay bills back home. 
The card was consistently declined, despite the money being out of my bank for nearly two weeks at a time. 
Once the payment did " clear '', the purchases I would make would also take longer than usual to appear. 
This caused a number of hardships for us : we were not able to purchase or make payments toward things we needed because they took our money out of the bank but withheld it for so long ( multiple difficulties and additional funds/fees from our other sources ) It also frequently made the very promotions they solicited us with, invalid ( roughly {$400.00} ). 
I called for a supervisor twice and was told none were available.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX  Account # XXXX Amount : {$2900.00}
Product: Credit reporting or other personal consumer reports

I am filling a complaint againt equifax for faiiling to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( file No. 2025-CFPB-0002 ) against them for the similar violations. I request that the CFPB take action to ensure Wquifax complies with federal law and provides consumes with the necessary proof of investigation. 



These are the accounts marked inaccurate : XXXX Bank account number : XXXX -XXXX  bank account number : XXXX -XXXX  bank account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and I want it investigated and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote two letters to Experian to look into the issues that are on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and 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: Debt collection

never used the XXXX XXXX XXXX  service they lied about how much my service would be then charged me more cancelled same day within minutes of opening account never used the phone or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion are continuing to violate my rights to accurate reporting and are not being held accountable for inaccurate information an Incorrect Bankruptcy has been sitting on my report for over a year and they keep responding with a false verification XXXX and Transunion are both liable for damages for {$1000.00} per violation for willful noncompliance in which they failed to comply. Pursuant 15 usc 1681n-any actual damages sustained by the consumer as a result of the failure or damages of not less than $ 100and not more than {$1000.00} ; At this point I plan to exercise my right to collect remedy because i have given much time for this issue to be fixed and I have also been very patient. 
I have attached documents once again including responses directly from XXXX nexis to prevent form being rejected as a repeat complaint Transunion also states that XXXX which is Third party reporting with no writtten consent from myself to report any information is claiming that they dont have to follow any consumer rights which is a huge problem.
Product: Checking or savings account

I am the Power of Attorney ( POA ) for XXXX XXXX XXXX! My POA was created by my Attorney, signed by XXXX XXXX XXXX, and legalized by a notary public! XXXX XXXX XXXX has checking and savings accounts with Bank of America. Thru XXXX and XXXX I have been attempting to create a Payment on Death ( POD ) account for the beneficiaries identified by the will. My first request to Bank of America created this response, " the bank is unable to review the POA because the POA presented does not reference any specific United States state or territory statutes. Please provide an Attorney Opinion letter with respects to governing law ''. My lawyer, who wrote the POA has never heard of an opinion letter, so what i did was i included the fact that the beneficiaries were born in the United States and resubmitted and the response from BoA was '' provide appropriate court documents, an Attorney Opinion Letter or statuary authority that allows the Attorney in fact to act on the behalf of the estate representitive. '' In between my 2nd and 3rd attempt I got a survey from the BoA and it was not a flattering response from me so i get a call from the bank manager telling me that he and his boss were going deal with issues that i have raised. Will that did nothing. So my 3rd attempt generated this response from BoA, Unfortunately we're unable to accept the POA that you presented to act on behalf of XXXX XXXX XXXX. WE believe in good faith that the POA isn't valid and doesn't have the authority to perform the act requested '' I have sent the BoA the WILL, XXXX XXXX 's death cetificate and the POA. My POA has been accepted by other institutions without any issues at all! BoA says contact your lawer! My lawyer ( the one who created the POA ) is very agitated himself because the actions of the BoA, questioning his POA! " Has never happened before '' he says. The BoA just seems to be finding ways not to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX ,
Product: Vehicle loan or lease

On XX/XX/XXXX I co signed on a XXXX XXXX XXXX  with Santander USA. I am sitting at a 20.9 % interest rate on a XXXX $ vehicle totally to once loan is paid off to XXXX $ I have reached out to the company 5 times now to get a name removal as well as copy of my contract and they will NOT send it to me. I need the contract to present to my lawyer to remove my name from the loan. I feel as if they are withholding information as I signed my name on an extremely predatory loan that the vehicle wont even last through the total months financed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since 2011 to remove a FRAUD ALERT that I do not recall placing. To date, I have been unable to remove this FRAUD ALERT. I've called the number only to get circled around in the voice mail XXXX. Several times it says I can place a freeze but I can't remove one which is exactly what the online data said. Every time I apply for credit that uses Equifax, they aren't able to process my application but it still counts as a hard pull on my credit report. I applied for a XXXX card 2 weeks ago and they weren't able to verify my identify and my credit score decreased 11 points just due to this. I've applied for credit four times in the last 2 years that uses Equifax including XXXX, XXXX XXXX and XXXX   and no one has been able to verify my identity and yet it still lowers my credit score but they never receive a report. Again, I've tried multiple times to remove this including the online system to no avail. The online system asks me my name, address, SS no, birthdate and then proceeds to tell me that they can't find my credit file BUT it asks me if I want to PLACE a credit freeze and actually will allow me to do so BUT to remove a freeze or FRAUD ALERT, they suddenly can't find my credit file. This is ridiculous! I've been trying to remove this ALERT since 2011 when I paid a {$40.00} application fee for an apartment but they couldn't get my credit file and of course I didn't get the {$40.00} refunded to me!!!! I WOULD RATHER HAVE MY IDENTITY STOLEN BY THIEVES THAN TO KEEP DEALING WITH EQUIFAX AND THIS FREAKING FRAUD ALERT WHICH I CAN'T EVEN GET REMOVED and since I don't know who is going to pull equifax, this is killing my credit score and I'm not being approved for anything. They responded that there is no security freeze but there is a fraud alert and this needed removing ASAP!!!
Product: Mortgage

When I was struggling to pay my mortgage while I was in bankruptcy, I applied for a loan modification and was denied a couple of times. This denial took place around XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education has duplicated the same information through several companies on my credit report. Making it appear that I owe 3-4 different companies the same amount of money ; and each of them are derogatory. Each of them reporting similar information but different payment histories, different start dates, different last activity dates. I have never had a contract with any of the companies listed below and I am in fear that I will be forced to pay upwards of {$45000.00} to clear up my name. XXXX XXXX DEPTEDXXXX. 
One credit bureau received an update from the Department of Education on XX/XX/2021, claiming that my past due balance had increased {$1.00} ( XXXX XXXX ). The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. It seems as though the Department of Education is purposely reporting inaccurate information. This repeated abuse is damaging and its only purpose is to cause injury. The reports submitted to the credit bureaus by the department of education should be deleted. 
Each credit account I have should only be listed on your credit reports once. But these accounts are listed multiple times. Accounts that are reported more than once may make it look like I have more debt. This is a violation of the Fair Credit Reporting Act ( FCRA ). The fact remains, my credit report has at least 8 duplicated accounts that are all showing inaccuracies. On XX/XX/2021 the Department of Education reported a {$1.00} increase to those accounts and TransUnion dropped my FICO score XXXX points. TransUnion has since corrected the issue to show there was in fact no increase of debt. 
XXXX XX/XX/2021 ( 7days later ) DEPTEDXXXX and the Department of Education updated those accounts ; again showing another {$1.00} increase in the same accounts. TransUnion again dropped my FICO score, this time 59 points. This is retaliatory.

The has already closed my complaint about the Department of Educations reporting practices. Suggesting that I contact them directly. I have already tried. My interaction with the Department of Education is that they are unwilling to correct the errors on my credit report and they will not voluntarily delete their account. The fact remains, my credit report has at least 8 duplicated accounts that are all showing inaccuracies. 
Who else does a consumer go when the Consumer Financial Protection Bureau wont actually protect consumers from the Intentional Infliction of Emotional Distress and retaliatory behavior from what seems to be a predatory lender? 
The inaccuracies should be deleted from my credit report because they fail to meet the requirements under the Fair Credit Reporting Act ( FCRA ) ; where both the credit reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in my report. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly look at my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % accurate. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and deletion of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a preapproval and XXXX XXXX XXXX pulled my credit without my permission or signature. The date of this action was XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Pre-Arbitration Notice for Violations of the Fair Credit Reporting Act Dear Experian, I am writing to inform you of multiple violations of the Fair Credit Reporting Act ( FCRA ) and your breach of our agreement. As a consumer, I have the right to accurate and complete information on my credit report. However, you have consistently reported inaccurate and incomplete information, and failed to remove and delete the personal information and collections I requested. 

Specifically, the violations include : 1. Reporting Inaccurate Information : Despite my numerous disputes and requests, you continue to report inaccurate information on my credit report, which violates 15 U.S.C. 1681i. 

2. Incomplete Reporting : The information reported is not only inaccurate but also incomplete, failing to present a full and fair account of my credit history, which breaches your obligations under the FCRA. 

3. Failure to Verify and Update Information : When I requested that certain items be removed or corrected, you failed to properly investigate and update my report as required by law. 

4. Failure to Delete Disputed Information : Despite providing sufficient documentation and requests, you have not deleted the disputed and unverifiable information from my report. 

These violations have caused significant damage to my creditworthiness, emotional distress, and have potentially limited my access to credit, employment opportunities, and housing. 

Under the FCRA, I am entitled to {$1000.00} for each violation of my consumer rights. After careful review, I have identified multiple instances where Experian has violated these rights, resulting in cumulative damages amounting to 10 violations. 

If this matter proceeds to litigation, the costs to Experian will be substantial, including legal fees, court costs, and potential statutory damages. This letter serves as a formal demand for settlement. I am seeking {$1000.00} for each violation of my rights as compensation for the damages caused. 

I request that Experian promptly address and rectify these violations by : 1. Removing and permanently deleting all inaccurate, incomplete, and unverifiable information from my credit report. 
2. Providing written confirmation of these changes. 
3. Compensating me {$1000.00} for each violation identified. 

Please respond to this letter within 30 days of receipt. If I do not receive a satisfactory response, I will have no choice but to pursue legal action to enforce my rights under the FCRA. 

I hope we can resolve this matter amicably and without the need for litigation. 

Thank you for your prompt attention to this serious matter.
Product: Consumer Loan

I noticed once again that Leaders Financial has reported on my XXXX, XXXX and XXXX credit report that I have two 30 day late payments in XX/XX/XXXX and XX/XX/2015. I generally pay my car note within the grace period and or allowed time. This is the second time that I have had to complain about them reporting 30 day lates and ruining my credit
Product: Credit card

I had a credit card with Bank of America and I scheduled a payment of {$300.00}. That payment returned for insufficient funds. It's an account I use to pay bills and I made a mistake with my balance. 
I called the bank customer service and asked if that amount would be charged again and the associate I spoke with said it wouldn't because she could not see anything to be charged on her system and I would have to reschedule a new payment manually. 

I did not schedule anything on the same day and when I checked my account the next day, the amount was being charged again and returned with insufficient funds again. 

They canceled my card for that reason. I did not have any payments overdue. They even said that was not justifying reason to cancel my card, and they would do that based on my debit amount with other institutions. However all my payments are on time. 

I've called them around XXXX weeks ago because I want to negociate my debit and the person who I talked to was really rude, screaming at me and justifying her rudeness saying that I had payments returned because of insufficient funds! I requested that she treated me polite and with respect, but the more I asked, the more she screamed at me with because I had my payment returned. I felt really discriminated by the way she treated me, especially because I'm a hard work person, who works 3 jobs to pay my bills on time, as my credit score shows. 
I felt humiliated by Bank of America. The way they treat people they can not profit from. They had no reason to treat me like that, I always paid them, at least the minimum amount on my card. 

What I want now from Bank of America is not the credit card anymore, but the discount on my debit due to my difficult Financial situation.

They have already caused damage to my credit score by simply canceling my card. 

They treated me with discrimination because of my financial situation and you can see that on the phone calls that I believe they have recorded.

I want them to listen to the 2 phone calls I had with their associates : The first one in which I asked if I would be charged again and the second one in which their associate treated me aggressively and with discrimination.

They can't just do that to people who are going through a difficult time, but paying on time.