23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, and XX/XX/XXXX, Transworld Systems I added derogatory marks on my credit report to all 3 credit bureaus. Upon, further research, these accounts were transferred and sold and I am no longer responsible for the account. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA Transworld Systems I has violated my rights as a consumer and I'm requesting legal action to remove these accounts immediately.
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 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. 

I looked at my Transunion credit report on XX/XX/2025 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 ( eXb ).

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 generallf, 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
Product: Credit reporting or other personal consumer reports

Experian has now closed 5 complaints today without addressing the issue and giving explanations that make no since
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account, XXXX, that was the product of identity theft. The company removed it but then added it back through Equifax despite knowing it was a fraudulent account. I would like it removed. The FTC Report Number is XXXX.
Product: Credit reporting or other personal consumer reports

my information was exposed in date breach and these company is reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchased agreement to show full ownership of such account and also the other documents so i may review to see if this actually an account that belongs to me due to law FCRA Section XXXX according to the fair credit reporting act ( fcra ) section it is illegal to report information on my credit report without my permission. please remove these itmes from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a cashier 's check for {$1000.00} on Monday XX/XX/19. Bank of America has placed a hold on this cashier 's check until XX/XX/19. I do not have a history of depositing fraudulent checks and my account is not new. I have called customer service repeatedly and have not been told why they are holding my funds.
Product: Credit reporting or other personal consumer reports

My account with 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.

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 repo
rts
Product: Credit reporting

I sent Transunion a identity theft report and they said they could not accept it without a police report. So I sent them a new identity theft report with a police report, with the items that were not mines and the inquiries that were not mines. This has been a long frustrating process, I have done everything they have asked of me, without getting the results that I am supposed to get. Please help me get this situation resolved. Thank You
Product: Money transfer, virtual currency, or money service

I was contacted by a female claiming to be a XXXX XXXX XXXX XXXXXXXX she gave me her cash app to transfer funds to so that I could invest in the company she claimed to work for. That company was XXXX XXXX XXXX and I transferred money to her via cash app and I could then track my Investments and see the money being made. Both sites were being ran by scammers and they had a mirrored website for the XXXX XXXX XXXX I transferred a total of {$5000.00} to her via cash app. And {$5000.00} via XXXX
Product: Checking or savings account

On XX/XX/2024, I was making a XXXX transaction of XXXX $ toward a what suppose to be a renting application fee but then found out that it was a scammer. I gave bank a call on the same day trying to cancel/ dispute the transaction but the bank were not able to reverse the transaction for me. I explained that it was a scammer but they were not able to help me with anything event to flag an account as a fraud. They told me to report to the police for this problem and to bad business bureau which I did. But I am just in shock of how the bank would handle this situation. If the transaction done on the same day there should be away to reverse it and be able to flag a scammer.
Product: Checking or savings account

Credit Karma did not send me a email letting me know that they locked my account. I had decline transactions which was weird because I have money in the account. I called they said its locked because they need to verify me. They requested my bank statement from my other bank account and ID. I provided the details they needed to verify me on XX/XX/2021. Its now XX/XX/2021 and XXXX still getting the run the run around about my money that I worked hard for. Then they told me when my check come it will reverse back to my job. But my check was deposited and doesnt show in my available balance my money prior to my check deposit suppose to {$810.00} and with the check that said it was deposited in the XXXX in to the account amount is {$790.00} all together the total amount should be {$1600.00} and it doesnt sh that. Then I kept asking how long because I have bills to pay and theres has yet to be resolution. They said once I sent in documents it will be resolved and it has yet been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. A XXXX XXXX XXXXXXXX XXXX has been impersonating me. on XX/XX/2022 ( 6 ), she took unauthorized photos of my son XXXX XXXX XXXX and posting them on XXXX. She has been pretending to be me for years. XXXX XXXX XXXX XXXX is a dangerous individual, scammer, impersonator.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$150.00} XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize CORELOGIC CREDCO to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate and incomplete items on my credit report that caused me to be depressed and unable to have a great reputation with the banking system. I need all unauthorized accounts removed and all incorrect late payments ( im never late ) updated immediately. The unauthorized accounts on my credit report are not related to any transaction that I made. I am alleging that a person or company used my personal identifying information to apply for goods/services/money without my authorization. I did not engage in any legal contract with any of these parties listed. Also, I have tried getting this matter resolved over 30 days ago and I still haven't heard anything from the credit reporting agencies. I know that they must investigate but they didn't!
Product: Debt collection

Phone call received from XXXX at XXXX in XXXX/XXXX/2016 call was declined by me
Product: Checking or savings account

I have had a Citibank account for a little over 2 years. No problems. No overdrafts. I even have my sales from my merchant account deposited daily to my savings. Well everything was going good until I accepted their offer to upgrade me to gold status. I accepted the invitation with over $ XXXX & counting in my accounts. I go to apply to buy a new car & my account is locked right after XXXX XXXX rubs my credit. I call them after they email me from fraud. Of course theyre closed. I wait until Sunday, XXXX XXXX and get the complete runaround. Im told my account is locked and set to close. This is a shock to me because they just upgraded me to gold status! How could this be?! Long story short, I call from Sunday -Tuesday and finally decide to go to the bank. Im told I cant remove any of my funds because of fraud. Fraud?! Ive had this account for over 2 years! What fraud?! They process my business sales! How could I be fraudulent?! This is my only account and I have no access to my money to run my business or my household. My bills are all on auto pay and now theyre are bouncing back! Citibank is trying to ruin me! Ive worked hard for my money! Im a single mother of two with a successful e-commerce business & happen to be XXXX. I feel I am being XXXX XXXX. I need my money. Please help
Product: Credit reporting

I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report.
Product: Credit card

I had a targeted offer in my American Express Blue Cash account for XXXX XXXX. I believe I made a purchase twice for a subscription that was billed at {$13.00} each. It's been over 90 days, and I still haven't received both my credits, which were supposed to be {$7.00} each. I've tried calling American Express, and they escalated my concerns to the offer department and rejected my claim because they are stating the purchase was made from XXXX and not directly through XXXX. The terms mentioned the purchases could be made from either the website or the XXXX application. Both purchases were made using the application on my phone. It's wrong for them to offer a promotion and not give me the credits. It's also not my fault that the application decided to bill directly from XXXX XXXX instead of directly to XXXX. If you make the purchases on the application, there's no way to change how the billing happens for subscriptions. The only way to setup subscriptins on a XXXX phone is through the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I am hoping the fcra and the consumer protection bureau can assist me in getting my financial life back together. The Credit Bureaus are not doing the right thing here. All the accounts listed below are fraudulent and should be deleted immediately : Account Name : 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Good afternoon. 

I deposited a check in the amount of {$3600.00} to my Fifth Third Small Business checking account on XX/XX/XXXX. The funds were withdrawn from the source account on XX/XX/XXXX. Fifth Third has placed a hold on my check because they say my account has overdrafted excessively in the past. It is my understanding that they may choose to hold my check for up to 10 business days, but they may not draw the money from the source account ( a XXXX XXXX business account ) until they allow the check to clear.

I have attempted to contact Fifth Third business banking customer service on three separate occasions about this issue. The first time, I was hung up on directly after explaining my issue. The second time, I was transferred to dead air, where I waited for five minutes just to be sure someone was not coming on the line ( they usually have music or talking on the line if you are on hold ). The third time, the woman told me my phone was breaking up and she could not hear me - I was on a cell phone, true, but I had full signal ( 4 bars on my XXXX ) and I am doubtful about the veracity of her statement based on my previous experience using the phone in the area. 

I would like to know if this is truly illegal, as I was informed that it is illegal by employees at XXXX XXXX bank when I inquired as to the status of the funds being withdrawn. I would also like to know if this is a systemic issue. I think it could be, because most of the time people who are told the hold on their funds is due to overdrafts in the past would be ashamed and would not pursue the matter further. Also, there is not usually clear communication between parties as to exactly what date funds are withdrawn from the source account. Finally, if this is truly the law, I think most consumers are not aware of it, as I was not until now and I consider myself fairly well-informed about financial matters. 

Thank you very much for working with me to resolve this issue. 

Kind regards, XXXX XXXX
Product: Debt collection

RELIANT CAPITAL SOLUTION is a collection agency whom I've never heard of before and they sent me letters about a debt from XXXX XXXX for {$710.00}. I have never attended the school. The company never validated the debt and just the other day they put the collection on my credit report saying it was opened in XX/XX/2022. Which is a lie because I have not attended any school. I asked them to send me proof of my attendance and they never did. I want this company to delete this false account off of my credit report before I take legal action. They put this account on my XXXX and XXXX credit report.
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 XXXX financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax informing them of improper collection account on my account. This was for a visit to Urgent care center. My insurance submitted payment as well me for my co pay however Equifax has not removed the account after I provided payment documentation along with my dispute request. I'm confident they didnt even review it because it came back the next day saying verified
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute 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: Checking or savings account

On XX/XX/2021, I ordered two pairs of what were advertised as orthopedic shoes. The definition of orthopedic shoes is understood in the public mind to describe only high-quality footwear that is durable and provides excellent arch, heel and toe support for people with orthopedic conditions that cause pain and require this support to alleviate their suffering. Orthopedic shoes are not chunks of plastic foam with no real insole, a plastic upper, and a ribbon of plastic around the edge where upper meets sole to disguise the shoddy workmanship. Unfortunately that was what I received two pairs of. 

I have uploaded some photographs of these shoes, that arrived in transparent plastic heat-sealed packages. The shoes and their packaging looked, felt and smelled identical to slippers that can be bought in any XXXX XXXX for under {$3.00}. The quality is as bad as possible, while still presenting a photographable appearance. The materials are almost non-existent, resulting in the shoes having virtually no weight. Objectively, you can see this where I have photographed each of these shoes on a gram scale. Compared with the weight of a genuine orthopedic shoe or sandal, of which I send you two genuine examples, manufactured by The XXXX XXXX and XXXX, these fraudulent XXXX shoes weigh much less than their genuine counterparts. 

These shoes were shipped to me from California, however, this occurred only after I had exercised my lawful right to cancel for their failure to comply with the FTCs Timely Delivery Rule, when I demanded my money back after they gave me a revised delivery time over 30 days past date of purchase. Suddenly, they managed to send them to me from California, ignoring my lawful, timely demand to cancel the purchase based on their promise of untimely delivery, which was justified by the false statement that the shipment would come from XXXX, XXXX. 
The XXXX fraudsters " are '' wherever is convenient for them, in their search for a good scam to avoid accepting a single return. ( While the Company promises returns for defective materials, that is exactly what I have presented them with, and they have done nothing but lie and reject my demands for the return of my money. ) Thus, when I discovered the shoddy manufacture of these counterfeit orthopedic shoes, and requested to return them, they advised that even though the shoes had shipped from California to me, I would have to ship them back to XXXX. 

One would think that, having exchanged in the extensive email dialogue, having documented all of my claims of fraud, that UMPQUA BANK, where I deposit my money would enable a charge-back of this fraudulent purchase. ( See scan of their rejection letter, the last page of the Exhibits. ) UMPQUA BANK appears to value the revenue from their share of this fraudulent transaction over the lawful demands of their depositor. That is the only reason why UMPQUA BANK has decided to let XXXX walk with my money. This is deserving of an financial sanction by the CFPB under the Civil Penalty program described at https : //www.consumerfinance.gov/enforcement/payments-harmed-consumers/civil-penalty-fund/.
Product: Credit reporting or other personal consumer reports

XX/XX/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 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 15 U.S. Code 1681 : sec 602- i have my rights to privacy.

15 U.S. Code 1681s2 -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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.