23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have reason to believe that XXXX, XXXX and Equifax have not completed a full investigation into disputes that I have filled with them on XX/XX/XXXX and XX/XX/XXXX, they are not fully checking for accuracy for the disputes, just making sure that the name on the account matches.

According to the FCRA : 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports and protects the privacy, accuracy, and fairness of personal information. The section includes the following findings : The banking system is dependent on accurate and fair credit reporting. 
Inaccurate credit reports can impair the efficiency of the banking system. 
Unfair credit reporting methods can undermine public confidence. 

I have received letters from all XXXX bureaus stating that there was a data breach and my personal information has been compromised.
Product: Credit reporting or other personal consumer reports

Due to a database breach from XX/XX/XXXX. My personal information was compromised. Such as my name, social security number, and date of birth. After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These inquiries were obtained without my consent and are affecting my credit utilization. I've contacted Experian several times by phone, mail and online to dispute this unfortunate matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is an amendment / addition to complaint # XXXX : On XX/XX/XXXX2025 I walked into the citizens branch in XXXX, PA to deposit 2 ( payroll ) checks. Because they were larger amounts than my account was used to, I made sure to walk into the branch, with all corresponding paperwork on these checks. Initially, I was told that the funds would be available in 3 business days. The following day all of my debit cards were locked, my online banking disabled, and I was not able to see or manage ANY of my accounts as the nearest branch is 40 miles one way from me. 

On XX/XX/XXXX I went into the branch in XXXX, PA and pulled out the {$220.00} that was made available. The branch manager ( along with 2 other managers at over the phone customer service ) explained to me that the funds would be available on XX/XX/XXXX2025 and that I would receive a corresponding letter from the back office on why there was an extended hold placed. They refused to provide a phone number or email address for this back office and said I could write a letter. I received said letter on XX/XX/XXXX/2025. I called customer service again just to confirm that the funds would be available on XX/XX/XXXX and they said the hold does expire then. 

Today, XX/XX/XXXX/2025 I still have no access to my deposited funds, and I have no access to my online banking. I called again today and asked for a supervisor. The supervisor XXXX stated that my checks were placed on another hold that will expire on XX/XX/XXXX2025. I demanded to know proof as to what reason they believed was sufficient to hold my money this long, and he didnt have an answer for me. The only answer he had was well Ive seen checks be held for 45+ days. I let him know per regulation CC, I wanted their proof that they had reason to hold these funds and they refused to provide proof, or even give me a resource I could reach out to for such proof. The only thing they admitted was that the checks didnt return or clear. Which means they didnt bounce, and are taking longer to clear. And apparently citizens thinks that they can pass that wait along to the consumer even though theyre very clearly violating the funds availability regulation. While I understand mitigating risk, I also understand from my own experience working in the finance industry, that these risks are to be assumed by the financial institution, not the consumer ; and should those checks not clear ( which wont be an issue as I stated : theyre verified checks ), it is citizens responsibility to pursue me for those funds ( per the deposit account agreement signed upon account opening ).

With the looming tariffs, costs rising due to inflation, not to mention today being the last day of the month, this has brought a hardship on my household. Im in the middle of closing on a mortgage, I have rent due TODAY, and I have equipment to purchase for my small business that needs to be ordered before a price increase on Tuesday. 

I just want access to my rightfully earned money and to warn others to never bank with citizens.
Product: Credit reporting or other personal consumer reports

Collection Account appeared on my credit report and I have no knowledge of this account. Balance is {$400.00} and the Credit Agency is XXXX XXXX XXXX  and they claim the original loan is from Ace Cash Express. I never had a loan from this company.
Product: Debt collection

I rented a rental car from XXXX at the XXXX XXXX XXXX XXXX location. At the time I rented the car, the XXXX representative at the counter informed me that there were small scratches on both the front and the rear bumpers. She informed me that the scratches were notated on the paperwork and " not to worry ''. When I returned the rental car, the representative asked me about the scratches. I informed him the scratches were on the vehicle prior to me picking up the vehicle. I received the attached letter dated XXXX/XXXX/15 from XXXX XXXX - V.P. from XXXX stating I would be receiving a letter from Alternative Claims Management. I called XXXX at the number on the letter ... left a voice message ... did not receive a return phone call. I received the attached letter dated XXXX/XXXX/15 from Alternative Claims Management stating I had 30 days to dispute the claim. I sent the attached letter of dispute dated XXXX/XXXX/15. Since XXXX XXXX, or no one from Alternative Claims would return my phone call to discuss this claim, I faxed the attached letter to the XXXX Customer Service phone number from my XXXX Member website where I made the reservation, On XXXX/XXXX/15 I received the attached letter from the XXXX Customer Service Representative stating she could not help me. On XXXX/XXXX/15 I finally received the attached letter from Alternative Claims Management stating they received my dispute but that XXXX was still confident the damages to the rental car occurred while it was in my possession. On XXXX/XXXX/15 at XXXX I did receive a call from XXXX at Alternative Claims Management offering to settle the claim for {$180.00}. I wrote the attached letter dated XXXX/XXXX/15 saying I continue to dispute this claim. I have been a XXXX Member ( # XXXX ) for several years and have rented from numerous XXXX locations. The XXXX XXXX XXXX XXXX location is the worst run location I have dealt with and in talking with other XXXX customers, they have come to the same conclusion.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX XXXX experian. XX/XX/XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have my mortgage payments set up on auto pay. I have never been late and my checking account shows that my payments have been made on a timely basis. I have called XXXX time starting in XXXX to have the issue resolved and they say each time that issue has been resolved on XXXX XXXX end. This issue first happened on XX/XX/XXXX when I received an alert that my credit score has went down from XXXX to XXXX due to a past due payment to XXXX XXXX for my XX/XX/XXXX payment. I called XXXX XXXX the next business day and they said I did make my payment but that it was applied to the incorrect account. The agent on the phone also confirmed that it was resolved and would not happen going forward. I also asked if they were going to fix my credit report and the XXXX XXXX agent stated that it would be corrected in the next 30 days. On XX/XX/XXXX I noticed that my credit report was not updated showing my payments were not past due and called an agent to ask why my credit report was not updated. The agent state that i need to submit a request in writing and then it would be updated. I also asked to confirm that no future payment issues would arise like with my XX/XX/XXXX payment. The agent said that yes it has been corrected. XXXX XXXX did update my the XX/XX/XXXX payment on my credit report but has now reported that id did not make my XX/XX/XXXX payment. I have attached my bank statement showing all of my past XXXX XXXX payment going back to XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Google pay account was suspended with {$800.00} balance on it, I uploaded all the request documents, they decided to keep my account suspended, but they refuse to let me withdraw my balance
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my credit report. There's an account that is written as a CHARGE OFF ACCOUNT but failed to receive the XXXX cancelation of debt form, because of that this account is inaccurate and needs to be removed from my credit report immediately. As well as several violations made reporting incorrect name variations. incorrect address variations, and incorrect late payment variations. One or more of these violations violate my right to Privacy. These violations must be removed from my credit profile Immediately. I have reached out to all 3 credit bureaus XXXX, Equifax, and XXXX via certified letters and also provided proper identification to prove my identity yet have received no update or change to my credit profile.
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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I dont owe this dept I need to dispute this bill reference XXXX or charge number XXXX I dont owe this!!!
Product: Checking or savings account

Received a Voicemail last week that I had been sent a new debit card in late XX/XX/XXXX, and that I needed to activate it before tomorrow. I never received the debit card so I called in to get it resent, and found out for the first time that my original card 's information had been compromised, prompting the change in cards. 

WF 's Customer Service Representative proceeds to explain that they do not let customers know when their information has been compromised, opting instead to just replace the debit card. Essentially, it's on you to call them and see if your information has been compromised. As a result, my debit card information has been compromised as early as XX/XX/XXXX with no notification of that fact from Wells Fargo whatsoever. 

I recorded my call with the 2nd customer service rep at Wells Fargo. Realized early that there wasn't anything I could do, but wanted to get answers as to what WF 's  policy was moving forward. Call is linked here : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Aren't banks required to let you know if they've been made aware of a breach of your information? I just feel like that's absolutely crazy. I pay attention to my account, and all transactions, but I still feel like the bank should have to tell you when your card number is sitting on some bad actor 's hard drive somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX ) XXXX  XXXX - Account # XXXX, Violated my rights. ___ { 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 an account without my written instructions. }
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXX Balance : {$660.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reported this issue with XXXX XXXX before regarding a goodwill adjustment but I see theyre reporting this entire account incorrectly, if Ive had 2 30 day late payments then why am I showing late in XXXX on one report & XXXX on the other one. If they cant figure out which month to report this then it needs to be completely erased off my credit report. I care very much about my credit but this is a clear violation of the FDCPA that XXXX has done
Product: Mortgage

I submitted a request for a modification review with my lender, Rushmore Loan management on XXXX/XXXX/2015. My authorized 3rd party and I spoke to them mulitiple times after this and they stated that they received the documents for the modification review, but they are denying it because they want to proceed with the foreclosure sale of the home on XXXX/XXXX/2015. Please help, I want to save my home!
Product: Debt collection

The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( Portfolio Recovery Assoc, LLC ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea, but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

XXXX and XXXX at XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping medue to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking -Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- -1002.142 ( b ) ( 7 ). I kindlyrequest that you block this information from my credit repot within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I ama XXXX XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion, XXXX and XXXX. Please delete the following accounts : XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$7400.00}, @ XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX
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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/year> Apple Card / Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Request to Remove Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a charge-off associated with my account XXXX on my consumer credit report. I have evidence that this debt was transferred to another entity or trust and has not been transferred back to your institution. Specifically, the reporting file number associated with this transfer is XXXX. As such, Goldman Sachs Bank USA does not legally own this debt and can not collect on it. Reporting this charge-off as owed to your institution is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, creditors and furnishers of credit information are required to ensure that the information they report is accurate, complete, and not misleading. By continuing to report this charge-off inaccurately, you are failing to meet your legal obligations under the FCRA. 

I am formally requesting that you immediately : Remove this account and any associated negative information from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Cease any attempts to collect on this debt or misrepresent its ownership. 

If you fail to comply with this request, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Pursue legal action to have this information removed from my credit report. 

Exercise my rights under the arbitration agreement linked to this debt. 

I have attached supporting documentation to this letter, including proof of the debt transfer, correspondence regarding this account, and a copy of my credit report highlighting the inaccurate information. Please confirm receipt of this letter and provide written confirmation of your actions to resolve this matter within 30 days. 

Failure to act promptly will leave me no choice but to escalate this matter. I trust that Goldman Sachs Bank USA and Apple Card will act in accordance with federal law to resolve this issue expediently. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from Radius Global Solutions, LLC dated XX/XX/XXXX for a debt of XXXX from XX/XX/XXXX in regards to a XXXX XXXX XXXX. There is absolutely no debt owed to XXXX XXXX. 
At the end of last year I received another debt collection notice regarding this debt from a previous Scam collection agency trying to get my banking info, XXXX collections. I never received any notifications of ever having to owe any money to XXXX XXXX until this random collection letter. I have contacted XXXX XXXX directly and they CONFIRM there is absolutely no money owed. This was put on my credit report and was fraudulent, XXXX removed the debt and confirmed this was a fraudulent collection. The account number they have for my XXXX XXXX isn't even accurate. When I called to have this collection removed, the representative was extremely rude and kept trying to get more personal information from me. This company is a SCAM and now this fraudulent debt is going to go back on my credit report, a debt that I do not owe. This company has been reported numerous times.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and, as a result, fraudulent accounts have been added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts, which were compromised due to this breach. These accounts are unauthorized, and I ask that they be removed from my credit report. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXXXXXX XXXX XXXX  Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX  Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX  XXXX  Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX  Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XXXX XXXX, XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$2100.00} XXXX. XXXX XXXX XXXX  Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXXXXXXXXXXXXXXX Reported : XX/XX/XXXX Amount : {$25000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX added a collections to my credit report and the debt was already satisfied and paid off. I have plenty of proof to this claim as the IRS accepted my paperwork but XXXX XXXXXXXX is refusing to accept it which is also against the law they also added this to my report without my permission or consent 15 USC 1681 permissible purposes of consumer reports states that they need WRITTEN consent from me to add this 15 USC 1681c requirement pertaining to information contained in consumer credit reports may not add any adverse item to me report!! Why are they allowed tk do this without any consequences. This is disgusting. I want this removed off my report IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX