23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

PNC Bank closed my checking account on XX/XX/2022 as per my request, but my saving {$43000.00} has not been returned to me. I emailed the bank 's case manager on XX/XX/XXXX. The case manager called me the next day, confirmed the check was mailed out and suggested me waiting for another month. But, the check never came. I emailed her again on XX/XX/XXXX and XX/XX/XXXX. She did not reply. So I mailed a letter to Customer Service at XXXX on XX/XX/XXXX. The bank never replied my letter in writing, but the case manager called me on XX/XX/XXXX and XX/XX/XXXX. She told me I needed to fill an application form due to the big amount on the check. Why did she not tell me the first time the form was required? I doubt about the check had ever mailed. OK, I requested her to email me the form. She said she was unable to do that because of the company 's policy. She was not allowed to reply customer 's email. It sounds so weird. I have her email address because she emailed me before. OK, I did not insisted on that. She said she mailed me the form. Normally it took 7 days to arrive. Today is XX/XX/XXXX. 27 days has gone. I have not received the form yet. I am very disappointed. I am submitting this complaint and looking forward for a resolution. Thank you for your time.
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 Opened : XX/XX/XXXX, Account Name : XXXX, Account Number : XXXX Account Opened : XX/XX/XXXX Listed on XXXX, Equifax and XXXX. Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Listed on XXXX, Equifax, and 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency maya make any consumer report containing any if 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: Vehicle loan or lease

Car was in a accident gap was in the contract. The car was totalled my insurance paid them {$9900.00} i paid {$6000.00} so far with XXXX included for down payment the cash price for the car was XXXX the contract states if the car is distroyed r theft i am no longer obligated by the contract as long as the cash value of the veichle was paid to the loan company but they still trying to get the inerest on the loan from me they already got the cash price n more for the car
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, i recently sent out letters in regards to inaccuracies on my credit report and yet to receive any indication that an investigation has been open or is being investigated. please see attached letters and consider this my initial dispute.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, and XXXX  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 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.

XXXX XXXX XXXX XXXX XXXX XXXX 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

A check intended to pay our accountant was STOLEN from our mailbox and deposited by XXXX XXXX. Bank of America will not refund our money because we did not catch it in time, missing their 60-day window by only 15 days. 

This is a clear cut case of check forgery and mailbox theft. 

XXXX XXXX needs to answer for these crimes.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THATMY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigale my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misreporting mortgage account status to my credit reporting agencies. Due to the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) Mortgage Payment Forbearance. I was forced to apply and was approved by BB @ T Bank now called XXXX Bank. I was told that my credit was not going to be affected. Now I can not get a simple credit card of XXXX approval because of the report from BB @ T ot XXXX, XXXX etc. I believe I am being punished by the bank for being in forbearance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XX/XX/year> to XX/XX/year> 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 se
ction 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i have provided, causing on going harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as Experians actions violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Support for Legal Action Against Experian, XXXX, XXXX, and XXXX Regarding Inaccurate Credit Reporting Practices To Whom It May Concern, I am writing to express my full support for the recent lawsuit against Experian, XXXX, XXXX, and XXXX regarding their failure to remove inaccurate late charges and ensure fair and accurate credit reporting. These systemic issues have caused widespread financial harm and emotional distress to countless individuals, myself included, and demand immediate reform. 

In my personal experience, Experian, XXXX, XXXX, and XXXX have all refused to correct errors on my credit report, despite my providing clear evidence, including documentation from my bank acknowledging the mistakes. Their refusal to act on these errors has unjustly impacted my credit score, resulted in higher interest rates, and limited my access to financial opportunities. These institutions repeatedly failed to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), leaving me and many others with no meaningful recourse. 

The actionsor inactionsof these credit reporting agencies undermine the trust consumers place in the financial system and disproportionately harm individuals who rely on accurate credit information for housing, employment, and financial stability. Their prioritization of profits and relationships with creditors over the rights of consumers is unacceptable. 

The consequences of these practices are devastating : XXXX. Unfair financial burdens, such as inflated interest rates, higher insurance premiums, and loan denials. 
XXXX. Missed opportunities, as landlords, employers, and other decision-makers use inaccurate credit reports to deny housing and jobs. 
XXXX. XXXX and emotional distress, as consumers struggle to resolve errors with little accountability from these agencies. 

I commend the CFPB for taking legal action against these organizations and advocating for the rights of consumers. It is imperative that the CFPB hold Experian, XXXX, XXXX, and XXXX accountable for their negligence and implement stronger regulations to prevent future abuses. 

I urge the CFPB to pursue this lawsuit to the fullest extent and take the following actions : Enforce stricter oversight of credit reporting agencies. 
Mandate clearer and more accessible dispute resolution processes. 
Impose severe penalties for non-compliance with FCRA regulations. 
Ensure that credit bureaus prioritize consumer rights over profits. 

Thank you for addressing this critical issue. I am hopeful that this lawsuit will lead to meaningful reforms and help restore fairness, transparency, and accountability in the credit reporting system. If there is any way I can assist in this effort or provide further details about my experience, please feel free to contact me. 

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

Trying to do a credit freeze on all the credit reporting agencies due to the XXXX fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XXXX. 

Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation for complaint # XXXX. The special handling department asked me to upload the attached document for them to process the complaint. include XXXX XXXX XXXX XXXX, Account # XXXX - Account Opened : XX/XX/1993 original amount : {$93000.00} ; Balance : {$31000.00}. 25+ years account is to be added to my credit file. The account should NOT show any late payments in the last 12 months.
Product: Credit reporting or other personal consumer reports

Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that your claim is disputed and validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my wet signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations in [ Your State ] has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Proof that you are licensed to collect in my state. 
Your license numbers and Registered Agent or Agent of Service.

Additionally, in accordance with 31 U.S. Code 3123 and 18 U.S. Code XXXX, I request verification that this debt falls under the category of an " obligation or other security of the United States. '' These statutes define the terms and conditions under which a debt is considered an enforceable obligation. Compliance with these statutes is necessary to validate your claim. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ) to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
If you are unable to validate the debt, I request that the account be deleted from my consumer report immediately. 
Sincerely, XXXX XXXX XXXX XXXX
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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax - trying to place security credit freeze on my account, after entering my personal information, the option is not show to place a freeze. 

Contacted Equifax at XXXX, told to try website again, maybe the option to freeze will show up. Customer service person had no clue what to do or how to help
Product: Debt collection

On XX/XX/2023, i received correspondence from Complete Payment Recovery Services , Inc. in regards to a debt owed for {$1000.00} stating is being reported in a national check verification database. Client is XXXX. States check # XXXX, Between XX/XX/XXXX,, XXXX  and today. 

Please note this a form of Identity Theft, i was notified by XXXX  XXXX XXXX in the XXXX week of XXXX about possible fraud on my credit cards and accounts, as such, i had to close my checking, savings account and two credit cards i had with XXXX  XXXX XXXX. 

I can be reached at XXXX XXXX XXXX my home land line. and by cell XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Prepaid card

Unauthorized charges on my account disputing but netspend is keeping me in thebdark with no info poor communication and customer service
Product: Credit reporting or other personal consumer reports

This complaint is my final communication regarding your claim that the account below is being reported accurately. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for mental anguish. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. I never was late XXXX times. XXXX is the only CRA to report this information. Your company is still reporting payment status when the account is closed. Lastly, the alleged balance that was written off, is not what was reported to me by collection agency. I will be taking legal action against both companies. The following account is to be removed from my credit report within 14 days due to false and misleading information : WORLD FINANCE CORPORAT XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness. 

Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/2017 Reference number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX