23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

45 days after my XXXX XXXX  Bankruptcy was discharged I checked my XXXX XXXX Credit Report to ensure all accounts were being reported correctly. 
I discovered that Merchants & Professional Collection Bureau , Inc. was reporting and old medical debt of XXXX that was discharged in the bankruptcy as a current and open debt. However they are showing a XXXX balance and that it was discharged. 
Showing a XXXX balance, they have lost permissible purpose and should remove this collection account from my credit file but have refused to do so. 
My Attorney has also sent them a cease and desist letter demanding the removal of the item, yet they have still refused to remove the item and continue to report as an open account with a XXXX balance. 
This is a debt that started with XXXX Texas XXXX XXXX and I have tried to reach out to them as well and they advised that Merchants & Professional Collection Bureau, Inc.is handling the account now and they also refused to take any action after the BK discharge.
Product: Credit reporting or other personal consumer reports

There have been XXXX recent hard inquiries on my credit report that I do not recognize and did not authorize : XXXX - XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2025 XXXX XXXX XXXXXXXX XXXX - XX/XX/2025 XXXX XXXX XXXXXXXX - XX/XX/2025 XXXX XXXX XXXX - XX/XX/2025 Automotive I have contacted TransUnion to report these inquiries as fraudulent. They have tagged them as disputed but I need to follow up with an FTC Report to have them removed from my credit report. Thank you for your help with this.
Product: Credit card

I had a credit card with Bank of America that received fraudulent transactions in XXXX of 2023 of upwards of {$500.00}. 

I immediately reported the charges to Bank of America and canceled the credit card. The card was not stolen or lost and was on my person the entire time, which means the fraud must have occurred through online scammers/ hackers, and was not due to my negligence at all. 

The majority of the charges were from XXXX, which I do use. However, the credit card that I currently use with XXXX is NOT with bank of america. My current credit card linked with XXXX is a XXXX card. 

There is XXXX other charge from a XXXX in XXXX, which is where I live, however, I was traveling in XXXX XXXX  XXXX at the time, and I provided BoA with my flight details to prove that I was not in XXXX at the time and therefore could not have made the purchase. 

I contacted XXXX and sent them a full list of the charges that appeared on my credit card statement, and they did not find any of these charges on my XXXX  account. They said that they do not see " any record of the charges you mentioned. We still think that the best thing for you to do is reach out to your financial institution ''. I do not understand how XXXX could not even find any record of the charges, yet BoA claims they are not fraudulent. 

Bank of America has told me XXXX times now I believe that they do not see the charges as fraud, however, have only provided me with the meager information of " these charges are consistent with your spending ''. However, {$200.00} of the charges were with XXXX withdrawal, which I have never used before on my account. In addition, I do not understand how these charges could have been made with my Bank of America credit card, as ONLY my XXXX card is now connected to XXXX. I have not made any purchases with my Bank of America credit card XXXX XXXX since sometime last summer.
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
Product: Checking or savings account

There are five steps to submit your complaint : Step 1 : What is this complaint about?

BB & T no longer offer cancel check to owner of account.

Step 2 : What type of problem are you having? 
I need canceled checks from XXXX and early XXXX to prove I paid taxes on my home for XXXX County. 

Step 3 : What happened? 

I have called my branch at least four times and the main office at least 7 times today, no results. 
I called the local branch and spoke to manager and the main office in NC and was told I should check by check stubs to see what number ( s ) represent the check ( s ) needed. I need canceled check for XXXX XXXX. 
I was informed by main office if they pulled the checks it would be {$7.00} per check. 
Another representative at main office advised that I go to BB & T Research Dept. but it would take them a long time to find my canceled checks BB & T changed there reporting system which does not include cancelled checks for customers at the end of month. 

Step 4 : What company is this complaint about? Branch Banking & Trust Step 5 : Who are the people involved? 
XXXX XXXX, XXXX Bank Mgr Customer Service/main branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX XXXX Acct XXXX / XXXX I WANT COPIES OF ALL CANCELED CHECKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX   XXXX XXXX {$2000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$790.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports with XXXX, XXXX, and Equifax and found erroneous and inaccurate information on my credit report after previously informing these credit reporting agencies of the erroneous and inaccurate information. There are multiple names on my credit reports and I have only XXXX. XXXX XXXX is the only spelling of my name that should be included on these reports, all other spelling are inaccurate. There should only be XXXX address on my credit reports, which is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; all other addresses are erroneous. There is an account listed on my Equifax report as XXXX XXXX XXXX XXXX XXXX XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX as XXXX XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX # XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is erroneous and must be deleted immediately. There is an account listed on XXXX, XXXX, and Equifax as XXXX XXXX XXXX XXXX XXXX, which is listed as a charge-off, The IRS Clearly defines XXXX charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes reporting of this account inaccurate! By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. Delete this account immediately. There is an XXXX from XXXX XXXX XX/XX/year> that appears on Equifax that I did not authorize. There was no permissible purpose and this inquiry must be deleted immediately. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld.
Product: Debt collection

I was contacted by a company calling themselves FBCS Inc. They made claims that I owe {$1200.00} on an account from XXXX XXXX XXXX. They also stated that it was a XXXX Credit card. I have never had a XXXX XXXX. They asked for my social security number and information that I did not want to give out. They where forceful and rude. I told them it was n't my card, and that nothing like that has ever been on my Credit history, which I check frequently. They said they would send paper work out to my address so that I could claim it as fraud. The paper work is asking for my social security number and all confidential information that I do not want to share. They could not verify any purchases made with the credit card. I did some research and found that XXXX also financed XXXX and XXXX XXXX credit cards, but again I have never had either of those cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  account number XXXX. ( Please see page 7 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

I tried to dispute a charge on my credit card statement for {$3.00}. The purchase was for merchandise, not a subscription to anything. Bank of America refuses to take a dispute for 15 days from the " date of cancellation ''. There is no such date because there is no subscription. However, even where there is a subscription I know of nothing in the Fair Credit Billing Act, or any other law, which allows a credit card company to refuse to take a dispute and require a 15 day waiting period.
Product: Checking or savings account

First off, they wanted me to a capture a photo of my State ID and mine was expired and i had a temporary ID which was a piece of paper with my old ID stapled to that paper till the new ID arrived. 

After many many failed attempts of me trying to upload my documents they required through their broke down incompetent procedures. They still refused me access. This is not the first time this has happened with the company known as Chime.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I wired XXXX to a Chase Bank account in XXXX, New York to XXXX XXXX XXXX XXXX XXXX for car parts. I never received the parts, the account was a scam XXXX XXXX XXXX XXXX set up a fraudulent account at a Chase Bank. I have been fighting for my money back for two years. I called everyone from the Attorney General to the Chase Branch office.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I pulled my XXXX credit report and saw that XXXX has several names and addresses listed for me that are not mine. XXXX continues to report the incorrect spelling of my name and incorrect addresses listed for me, that are incorrect. This is harmful to me because it makes me susceptible to fraud and identity theft. Also, I can not receive my mail at incorrect addresses to take care of my business that may be time sensitive. 

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

XXXX  is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ),  incorrect information must be deleted.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate collection account under XXXX for {$1000.00} that is negatively impacting my credit. This item is not an account I am responsible for, yet it remains on my credit report despite my efforts to dispute it.

I have submitted multiple disputes to Experian requesting a proper investigation into this inaccuracy. However, Experian continues to verify the account as accurate within 24 hours, without providing any evidence of a reasonable investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a thorough and reasonable review of disputed information. Furthermore, Experians failure to conduct a proper investigation may also violate
the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as seen in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Experian for similar violations.

I request that the CFPB take action to ensure Experian complies with federal law by conducting a legitimate investigation and providing the necessary proof. Additionally, I request the immediate removal of this inaccurate item from my credit report, as it does not reflect my true credit history.
Product: Credit reporting

TransUnion is reporting a XXXX XXXX on my credit report. This transaction was not initiated by myself it was a towed vehicle that was sold by myself. 

Transunion and finex group have no standing in reporting anything on my credit report since this was not initiated by me.
Product: Credit reporting or other personal consumer reports

I have been disputing a prima facie error on my credit report with Experian for almost two years without success. Each time within five days or so, Experian claims an investigation was done and update the account with the same bogus information. I cited FCRA violation several times and that the item should be deleted but only received an update which is bogus. The XXXX company is XXXX ( not sure that is the proper name ) in which I was given a line of credit and not applied where I will never, ever use again. There was a mixup during COVID-19 pandemic on XXXX  's end where an order never arrived and routed back to XXXX, but XXXX  states there is a late payment when there was no payment due on the account until after the order arrived back to XXXX. I refuse to cease disputing because I have never been late on any of my monthly payment obligations in almost 15 years.
Product: Checking or savings account

I want to file a complaint against Wells Fargo regarding an erroneous deposit made into my checking account by XXXX which my bank has refused to reverse despite many efforts to return the money. I am requesting your assistance in resolving this issue as it is causing significant financial distress. I have called and stopped by the Wells Fargo branch in XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX numerous times and met with a XXXX named XXXX in an effort for Wells Fargo to return the {$14.00} which was illegally deposited by XXXXXXXX XXXX XXXX XXXXXXXX XXXX into my account on XX/XX/year>. I have no business relationship and no account with XXXX and I want absolutely the money to be returned to them but the bank has been giving me a lot running around. I provided them with all necessary information regarding the deposit, including details about the source of the funds but Wells Fargo continues to refuse returning the money for no apparent reason. In addition, Wells Fargo prevents me from communicating with them electronically using my account online in an effort to silence me. The bank can send me messages electronically through my online account but I'm unable to reply or send them messages using " Message Center '' in my account unlike other customers. I believe they want to silence me unlike other customers.
Product: Debt collection

Sent in documentation to show proof of a balance I know is owed to the original creditor XXXX XXXX. National Credit System first failed to verify the debt within 30 days from the date of the original letter was issued to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. that was provided then National Credit System failed to verify the debt again with 15 days from the date of the original addressed to National Credit System. National Credit System keeps saying the debt has been verified ; however, after further investigation, it was determined that XXXX XXXX  is no longer managed by XXXX XXXX, they are no longer in possession of my previous apartment file, and are unable to properly determine what amount is owed due to being brought out by a brand new company and hiring a new team of property management. Due to this matter the collection company National Credit System is trying to force me to pay on a debt that is falsely owed after I sent in verified documentation and is failing to do the right thing under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and charge off. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; Accounts : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX and XXXX  XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX   XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX # XXXX {$1000.00} 10.XXXX XXXX  # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14.  XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is XX/XX/XXXX
Product: Vehicle loan or lease

I received a mailer with a promotional offer from Rategenius ( see attached ) for an auto loan refinance including a lowered interest rate of 2.74 % on XX/XX/2022. I completed the application using the pre-approve offer code through Rategenius, which including a hard credit pull which I confirmed through XXXX ( see attached ). After completion the application process, I was contact by the company ( XXXX XXXX to finalize the loan but was told that that interest rate in a mistake and that they are working to correct the issue. I then spoke with the manager who said the rate is not a guarantee, and that they are not able to offer me that rate, even given my XXXX credit score. I feel this is clearly bait and switch. Ive asked that they undo the hard credit pull, to which they replied that they are not the lender and to instead to contact XXXX XXXX XXXX XXXX. I will also be filing a XXXX  inquiry with this company as well. The business did not agree to remove the credit pull, stating that I had accepted RateGenius ' terms to do so on my behalf. I disagree. Consent was provided on the understanding that I was pre-authorized for a lower rate, which turns out was never available. Their mailer clearly stated on the cover page that I was pre-authorized for a rate of 2.74 %, but after speaking with Rategenius was offered a much higher rate of 6.99 %. RateGenius should provide what conditions would have had to have been met to receive the advertised 2.74 % rate. I believe this marketing practice is a violation of the Deceptive Trade Practices Act ( DTPA ) Sec. XXXX The advertisement is designed to be deceptive and should be changed to reflect a range of potential rates based on market conditions. When I spoke with RateGenius. The representatives indicated that they are fully aware of the market conditions and impact of loan interest rates but continues to send out direct mailing to bait and switch customers.
Product: Checking or savings account

I am the trustee of a trust. I had a bank account, as trustee of the trust, with OneWest  Bank that was taken over by First Citizens Bank. Last year First Citizens Bank started charging me {$50.00} per month in account fees which they had never charged before and when I asked for documentation they did not provide it. Additionally they did not send me the required federal tax form IRS interest statement for the reportable interest for the account. I asked for the tax document to be made available in the online digital banking platform repeatedly. I asked via the online chat function multiple times over the course of weeks and I asked over the telephone talking to multiple different representatives. The bank refuses to make the tax information available online and insists that my only option is to order an extra copy at an extra charge on top of the {$50.00} per month in account fees to have it mailed to me which would take XXXX business days. The bank did this even though it knew I was facing an XX/XX/XXXX tax filing deadline which is why I was asking for several weeks in the run up to that deadline for the information to be provided. This bank is charging me unreasonable and unsupported account fees and refusing to make federally required tax documentation available to me via the online banking platform at all and won't even mail it to me without charging me more outrageous fees.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed on this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA Section 1681S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or is consciously avoids knowing the information is accurate. Lastly, 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling a reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. The following are unauthorized inquiries ; XXXX XXXX XXXX
Product: Credit card

I have two credit cards with the Pentagon Federal Credit Union ( PenFed ). On XXXX  XXXX  card they only charge interest on cash withdrawal about every six months. On the XXXX card they charge me {$62.00} each month for interest and cash advance fee. When I asked why only this card they state in there letter it was policy.