23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) This is my formal notice to Transunion before I file in federal court against y'all. 
I never gave you permission to report or add any of this to my consumer report Please remove the following accounts immediately as I will not wait another 30 for a bogus response : Inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, AND BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDI AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$20000.00}
Product: Credit card

I am uploading this showing my filing for identity theft which occurred in XX/XX/2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a newborn. I need help please
Product: Debt collection

During the time I acquired a debt with XXXX XXXX unfortunately I was XXXX ill and was unable to meet my obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number isn't showing up on my credit report. Mine ends in XXXX. 
One that ends in XXXX shows up. 
Bank loans, auto loans, mortgage loan, property in XXXX XXXX CA, a name XXXX XXXX, my ex Sister in law, a 2017 XXXX I can't even access it because I can't answer the questions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.they are reporting this account reporting the status paid and it a collection
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have my Apple Card ( Goldman sachs ) account restricted, tried to contact to them big number of times and they just say account under review, its already going few months
Product: Credit card

On XX/XX/XXXX, I saw my Amex app showed that I have a promotional offer to earn XXXX referral bonus points. So I referred 3 of my friends on XX/XX/XXXX and XXXX, but then only found to receive XXXX bonus points from Amex. After reaching out to their agent, I opened a case for their backend team to investigate on XX/XX/XXXX. Then on XX/XX/XXXX, i made a XXXX referral and record my screen as proof on the XXXX bonus points referral offer. However, I still only receive XXXX bonus for the XXXX referral. Amex agent told me my previous case was closed and based on their investigation, they refused to acknowledge the XXXX offer I saw. The promotion offer didnt have terms or specific requirements listed so I believe I should receive this XXXX bonus per referral. Amex didnt even ask for any evidence on the offer I saw and concluded they are not liable for the issue.
Product: Checking or savings account

On XX/XX/ 2025, Citibank had placed a fraud alert on my business checking account. I was informed of the fraud alert on XX/XX/2025. I was only informed due to the fact that I had no access to my bank account or the funds within it and so I made a call to Citibank customer support in which I was informed. After an extensive amount of time on the phone with different representatives of different departments, I was not given any information pertaining to the fraud alert, and was only told that my account would be closed within the month and that the balance within the account will be sent via check within 30 to 60 days. At the time of the closure, there was approximately {$30000.00} USD given that I am a small business. It was essentially all the money required to run the business which has since given me extreme difficulty functioning without. In order to attempt to correct the issue I have spoken to representatives on the phone as well as representatives within a branch location as well as my personal banker for my business account. I was not given any information whatsoever from any Citibank sources on how this conflict could be mediated and how I can get my balance back. Multiple sources online state that Citibank will frequently take much longer than 30 to 60 days to return an account balance to the owner. From my understanding of the situation, Citibank is holding my money hostage and preventing me from running my business, which is in it of itself costing me more money.
Product: Credit card or prepaid card

I have an Apple credit card by Goldman Sachs. I purchased some items for XXXX that I subsequently returned. The refunds were for XXXX and XXXX and were processed ( hit my credit card account according to statement ) on XX/XX/2022 and XX/XX/2022. I bought an XXXX XXXX sometime last year and decided to pay it on installment basis, with 0 % financing. The outstanding installment balance is {$870.00}. I always prepaid any and all balances in my account before they are due. 

I had also filed a dispute as I had made a purchase in XXXX that the vendor had not delivered by middle of XXXX, so after hours of calls, I asked Goldman to dispute it. That's another {$3200.00} dollars, so technically, I have over 9,300 dollar credit ( i.e., Goldman owes me ) balance in my credit card. After more than 1 month, they still have not resolved that dispute. When I went to make a purchase and it was denied, it is when this whole situation unraveled, as the 3,200 conditional credit issued was reducing my spending limit, even though, and ignoring that conditional credit, I had over {$6000.00} balance owed to me. 

Goldman Sachs refused to wire me the outstanding balances in my favor, when I asked that they be returned immediately. Initially they told me they would send me the balance less the installment credit balance, which they will use to repay the installment loan on a monthly basis as it becomes due. That amounts to cash collateralizing the installment loan for no reason, with the pernicious consequence that the installment balance at the same time affects the credit balance in the account as well as my own credit score since the debt would show as outstanding. They told me they can do all of that, with any cash balances in my favor, per policy and bank regulations. I told them they didn't have the right to withhold my money, they didn't have the right to cash collateralized the installment loan and that I wanted to close out my credit card and get my money back. They told me a ) somebody would get back to me within 10 business days to answer my complaint, and b ) they would have to evaluate my account since I want to close it and would decide after several months what they would do, which didn't answer when I would get my money. 
I also challenged them to adjust my spending limit by the cash balance in my favor, so that I could make the purchase, to which their answer was " we can't do that '', and you have to use another credit card, i.e., take your business elsewhere. 

Well, this is exactly what I am doing, I purchased the item on my Platinum card and I hope you help me get my money from Goldman, but more importantly, curve this outrageous behavior. They should be paying me interest on my balance!
Product: Mortgage

I applied for an FHA Home loan with First Community Mortgage Inc. on  XX/XX/XXXX . The Lender that responded back was   XXXX   XXXX   ( NMLS Originator ID Number  XXXX  ). After   XXXX   XXXX   and I had been in contact with each other about moving forward with the home loan process, and myself needing to do somethings in order to move forward. I finally received my pre approval letter for a loan amount of {$190000.00} from   XXXX   XXXX    on  XX/XX/XXXX , and it stated that I had 90 days to purchase my home or I would have to restart the process after the 90 days. I started my search for my new home, and i was lucky enough to find one on  XX/XX/XXXX , and put a pending contract on it. I put my earnest money down and paid to have the home inspected, after being in contact with   XXXX   XXXX  , he had me signing my loan documents, sending authorizations for the appraisal, and sending in documentations of my down payment, bank statements, Social security card, Drivers License all for me to receive a letter form   XXXX   XXXX  , whom I do not know or have ever met or spoke to ever, to send me a letter and say that my loan was denied on XX/XX/XXXX . After I had paid and invested my time and money. I was totally devastated and and broken from this loss. I invested and loss my time and money during this unjustifiable situation. I have all of my documentations, and correspondence from this transaction.
Product: Student loan

I have 2 separate XXXX loans both subsidized and serviced through Navient. When I log into my account and look at details of these loans they both state that interest rates are 6.55 % yet it states interest rates are set by Congress and per the CARES act federal loans are 0 %. They claim the reason I am being charged interest is because they do not fall under CARES, however, why does it say the interest is set by Congress and does congress not have rates set to 0 % until XXXX this year? They have not been able to answer these questions. These 2 loans are close to being paid but with the interest I will still be paying until at least XX/XX/2022. I believe they owe me interest on these loans which would help decrease my balance. The way they do their loans in general makes it impossible for people to pay. I have loans where I am paying twice the original amount and they will not work with me at all. I just discovered too late that I could've refinanced those loans into a direct loan to qualify for loan forgiveness as I am a public service worker, yet they never let me know this was an option or that I would not qualify unless I refinanced. I've been making payments under the assumption this would all count towards forgiveness and feel misled and that they are being fraudulent. They do not even make monthly statements readily accessible electronically or through mail.
Product: Debt collection

Tried by company several times no statements ever sent went back to furniture store to tell them they couldnt find my account called again girl on phone couldnt find account and then it appeared on credit bureau as defaulted and I tried to clear it up for over 2 years
Product: Payday loan, title loan, or personal loan

The company allows a one time deferred payment over the life of the loan. I did a deferred payment XX/XX/2021. When a customer deferred a payment is just extends the XXXX. The company reported to the credit bureaus incorrectly a late payment for XX/XX/2021 causing my credit to drop significantly, and payment history to go from 100 % to lower. They also are reporting incorrect balance left owed. I have called their customer services but they were of no help and wouldnt fix this with reporting to credit bureau.
Product: Debt collection

Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Heres what happened. In 2018, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with XXXX XXXX the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. I contacted my employer who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. The {$370.00} is not the debt I owe for my XXXX XXXX XXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violentes my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX, TransUnion, and XXXX consumer reports : By the Fair Credit Reporting. Everything has to be 100 % accurate on my report. 

The Credit bureaus stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for removal and my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I have attached my credit report and marked the items. 

Items : XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

Freedom mortgage issued me an escrow surplus check on XXXX XXXX 2016. Immediately after receiving this check my insurance agent called and informed me that my homeowners insurance had not been paid. I called Freedom Mortgage with my insurance agent on the line and requested a check be sent overnight. The Freedom Mortgage agent said that it would be overnighted. Several days later my insurance agent called me and informed me that a check still had not been received and that my insurance policy was close to termination. I called Freedom Mortgage back and an associate in the insurance department told me that indeed the request for payment had been denied from Freedom. So she said she would put in another request and this one should go through since the last one was denied. I called Freedom Mortgage the very next day and once again another associate in the insurance department told me that the request had been denied. At this point I asked to speak with a supervisor and I was told that a supervisor was not available. So I hung up and immediately called their customer service department. I told them about my problems and that I had requested to speak with a supervisor buy was told they were unavailable. The customer service associate put me on hold and called over to the insurance department and requested to speak with a supervisor. After thirty minuets of holding, I was connected with yet another insurance department associate who told me a supervisor was unavailable at the moment but that she would try to resolve my issue. After around thirty more minutes talking with that associated I once again asked to be connected to a supervisor and was put on another five minute hold. I was finally connected with a supervisor who said he would request that a payment be sent out to my insurance company. How am I supposed to trust that this payment request wo n't be denied like all the rest of them? So my complaint is : I 've talked to around five to six different people over the last two weeks about my problem. I have had three different requests for payment of my homeowner 's insurance that have all been denied and all anyone can tell me is sorry for the inconvenience. This company has put my home, me and my family at risk and this is unacceptable. An inconvenience would have been the first time I called at this point we are at a severe problem. My homeowner 's insurance is at the point of being terminated because of the negligence of Freedom Mortgage Company.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I created a brand new account with Venmo since I had a family member who wanted to send me {$75.00} as my late XXXX gift. I logged in, created an account and tried to transfer the money out from Venmo to a debit card. It wouldn't go through. I tried a different debit card. Same thing. It wouldn't go through. I received an email that said they froze my account due to " suspicious activity '' and to send my driver 's license to verify the account. I did so. 

I received an email back today XX/XX/XXXX, that said : Hello XXXX, Thank you for sending us your ID. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

This is absolutely ridiculous. How can a company keep my XXXX gift money from me for 180 days when I've done nothing wrong??
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi I am having an unbelievable problem with paypal.com right now, I have a small business and I build and sell computer servers so I sold a bunch of goods to a good client of mine on XX/XX/XXXX and the transaction amount was {$34000.00} initially i did not want to use paypal because I dont like them but this client had to pay me with paypal so I said it is ok I have an old paypal account with no problems with it. So they sent me the money and right away confimred the purchase on paypal so paypal releases my money to me and they only released {$24000.00} and kept {$10000.00} in a reserve which I have never heard of reserves before I have heard of regular holds but not reserves. So i called paypal a few times and no one can give me an answer to when my money will be released like I said I have a small business and that is alot of money to be held. a month passed and I was getting angry so I messaged and called until i got an answer, one of their workers told me my account is put in a up-front reserve which means they will hold my money for the lifelong of the account and it is not scheduled to be released! This makes zero sense to me that is basically stealing I have called them many times and escalated this issue but it gets nowhere I am waiting for them to get back to me but I am tired of waiting I need this money for bills they keep telling me this is done for chargebacks but chargebacks don't take forever usually companies like paypal will hold the money for 2-4 weeks and once they see everything is good they release the money, on top of all that my client who received the goods from me already confirmed the purchase and told paypal it is all good! 

I am asking you guys to help me someone recommended you to me and told me you can help, also I am not the only one they have done this to I have talked to so many people but they told me they got a lawyer and got their money back, but I can not afford a lawyer right now and makes no sense that I have to pay to get my own money back! 

I have attached a picture of them holding my money with no schedule release if you guys need more info please contact me
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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.