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

Okay. So I have a chime account. And I requested that money be transferred from XXXX account to another and it had insufficient funds to transfer the whole amount. So they just shut me down without saying anything. And they're refusing to give me my money. I keep sending them the same stuff over and over and over and over and over. They have put me through so much in the last XXXX weeks that I'm just beside myself. I gave up. It's been XXXX more weeks now. And I just want my money. That's in my account. They're telling me my account. Is not close but they won't. They're refusing to close it and send me my money. It's just in limbo and I need to pay bills, and they're preventing me from doing that and I'm struggling very hard.
Product: Student loan

I noticed my student loans change in amount around the beginning of XX/XX/2024. All of my old loans returned even after being paid off for months and the final loan I had left went from {$6000.00} to {$6900.00}. I have talked to multiple supervisors in the past four months and they have agreed that the amount I owed is just $ XXXX on the final loan. I have been promised that the issue would be resolved by 3 supervisors each saying it will be done anywhere from 15 to 3 business days on three separate occasions. It has been over 2 months since the first promise of 15 business days. I have wasted over 25 hours of my life on calls with MOHELA. This pathetic and disgusting company has failed to perform at their job or has willfully neglected to fulfill their job.
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 Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian 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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Bank of America has illegally reported me to the Credit Bureaus for late payments. These payments are not late and have been paid. They have forced me to pay for expensive flood insurance. In addition, they have threatened me with foreclosures. They have consistently increase the monthly payment from the fixed rate. Almost doubling the payments.
Product: Debt collection

Im getting accused and charge a fee for something I have no control over its has really been a struggle and stressful. I cant afford to pay the XXXX to get off my credit. I have been trying get this deleted off my credit for 2 years now. I have tried to dispute and it keep getting denied. Im a single mother of XXXX  I cant get a decent place to live because of this false debt that Im getting accused of please help me Im desperately need help.
Product: Debt collection

XXXX XXXX XXXX Cancel service after having the phones for a week. They claim my number belong to someone else. After contacting fraud department. They advise me go to XXXX XXXX XXXX Corp store. I did. My issue wasn't never resolve. Now it's in collections. They claim I owe {$2600.00}. 

This number came from my son account with XXXX XXXX XXXX. I had this number XXXX for five years.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a complaint because of XXXX XXXX was charging me interest. I received notification from XXXX XXXX of a courtesy credit refunding the interest that I had been erroneously charged. Since then I have made on time payments, totaling over {$790.00} in credits to my account. In XX/XX/XXXX My Credit Limit was decreased from {$3500.00} to {$2000.00}. On XX/XX/XXXX my payment of {$400.00} was posted to my account, bringing my balance {$990.00}, with a credit limit of {$2000.00}. I had finally received less than 50 % of Credit Limit. I am making payments to decrease the balance, and when I finally get ahead they keep decreasing my Credit Limit to keep my balance high. I have Interest Deferred Promotions, but the multiple Credit Limit Decreases are ruining my credit rating. On the XXXX XXXX statement dated XX/XX/XXXX, my limit has been decreased to {$1500.00} by XXXX XXXX again, twice during the period from XX/XX/XXXX-XX/XX/XXXX. 
The credit limit decrease now reports me has charging 66 % of the Credit Limit. Despite my account activity, and aggressively paying more than the minimum amount due. I feel as if this is reprisal due to the complaint I filed previously against XXXX XXXX-XXXX. This change on my Credit Limit has adversely effected my credit. Im paying on this account but the Credit Limit decreasing inaccurately capture that I have a high balance. I have had multiple Credit Reporting Disputes that have been corrected and updated. XXXX XXXX has lowered my Credit Limit based on fraudulent and inaccurate information, but I am the one who is being effected the most.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Consumer ID : XXXX Date of XXXX XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Waning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : TXXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX report immediately! I've attached a copy of the report to this request. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting

I open a secured credit card with XXXX XXXX Bank XXXX of the XXXX XXXX. I loaded my money onto the card paid my bills. I never received a statement in the mail on how much was my bill for the next month. When I checked my credit report I see that Equifax lowered my credit score by XXXX points. For a late payment that was never late in fact XXXX XXXX bank took the {$25.00} dollar late payment off my statement because of the mistake of never sending me my statement. I would like for Equifax to give back my XXXX points because I was not at fault. I am providing the statement so Equifax can see for themselves and make the change on my credit report. This happen on XXXX you will see the Refund of Late Fees on this report. To prove that there was nothing at fault on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX inquiry XXXX XXXX, 2020 REGIONAL ACCEPTANCE CORP inquiry XXXX XXXX, 2020 XXXX XXXX XXXX inquiries XXXX. XXXX, 2020 and XXXX XXXX, 2020
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. 


Please delete XXXX XXXX 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is to formally dispute the unauthorized and fraudulent information currently appearing on my credit report. As a victim of identity theft and the XXXX breach, my personal information has been compromised, resulting in multiple fraudulent accounts and inquiries. Notably, there are two critical issues involving XXXX and the misuse of my name, XXXX XXXX, along with my Social Security number tied to my identity in the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of XXXX  ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, and my privacy rights under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ).

I believe my credit file has been subjected to improper investigations or reporting practices, leading to inaccurate reporting. I also believe that EXPERIANS handling of my credit file may be violating my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report. Ive requested Experian to provide me their description of procedures on numerous occasions relative to U.S.C. 1681e ( b ), This same account with XXXX XXXX XXXX # XXXX was deleted from my XXXX report back on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have previously submitted complaints under the fair reporting acts under consumer protection laws showing the inaccuracies on my credit report. I have provided the documentation from Experian, XXXX, XXXX that the accounts below do not even have my legal name on them. I have filed an identity theft report and will provide that documentation attached to this complaint. 

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have brought it to the attention of Transunion that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Transunion has ignored my previous request to update my utilization to 0 % and XXXX balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.
Product: Checking or savings account

0n XX/XX/2023 i received an alert that an internal transfer was initiated from my CK savings to my CK Spend account. I called and the first associate hung up on me. I called back and realized my account was hacked and they continued to try and transfer funds while I was on the phone with CK customer service. I closed my savings account with the attempt to transfer funds back to my external bank. CK deposited all of my funds from the savings into the hacked account and continue to allow the hacker access to my funds and transferring ability.

CK continues to say their fraud department will send me an email and after 24 hrs, I haven't heard from the fraud department. Meanwhile, the hacker is still trying to transfer funds in the hacked account.

I have to assume that CK is colluding with the hackers.
Product: Payday loan, title loan, personal loan, or advance loan

I have been making the monthly payments as scheduled for a little over a year. I recently pulled my credit report and discovered the amount owed has not decreased at all. I called the company to inquire why the balance isn't reducing. I was informed the amount of the interest accrued was more than the monthly payment amount. I stated the company set the payment amount which should include a certain amount of interest and an certain amount of principle being paid monthly. The representative stated we had a 6 % interest rate on the loan amount. I stated regardless the interest rate, the monthly payment was setup buy lender and should include payments towards the interest and principle. When I asked for a copy of my signed contract I was informed the signed contract was on the website when I logged into my account. I looked at the entire site there is no signed contract on the website. According the site I have 999 payments to go, which is 83.25 years to pay off a {$44000.00} dollar loan. There is no transparency on how much interest was accrued on the site.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with The fair credit reporting act, Public law 91-506 Title VI section 611, the company will provide the names and businesses of each individual with whom you verified the follow up. Please send me an update of my credit report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company KLSFINANCIAL ( Original Creditor : XXXX  XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$150.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

My identity was stolen early this year through a breach at my mortgage company XXXX. On XX/XX/XXXX a checking account was opened, in Florida, at the Bank of America ( BOA ) that included my name and identity, with a co-signer ( XXXX XXXX ) who then began to transfer money from my legitimate BOA account to the fraudulent one. I was told he brought an imposter, posing as me, to open the account. At no time did BOA alert me ( my accounts are double-protected by password and requiring a phone text confirmation of any activity ) until they sent a thank-you, that I was opening a new account. I contacted Fraud Department immediately and after numerous transfers, shut down my accounts, cards and eventually, the fraudulent account. Initially the thieves tried to move {$38000.00}, ultimately walking with {$9500.00}. Since then, I have logged many, many hours on the phone with dozens of BOA Fraud department staff who pass me on and around. I have had XXXX appointments to the local BOA. The first claim was rejected as they sent to the wrong department. I then submitted a long list of documents ( faxed by my local BOA to ensure their receipt ) for the second claim. I was just told that there is no claim. This was entirely BOA 's fault but no one has made any effort to manage this case, get back to me, clarify how this happened or attempt to return my funds. I need representation as Bank of America clearly does not protect or serve bank clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experien refuses to look into the fact that the agency reporting the error can not produce a valid bill. Even when presented with this information they refuse to correct the issue and say after 45 days that the issue is resolved and I can not dispute it. 

The issue revolved aroudn XXXX XXXX XXXX XXXX report of a debt on my file. When asking for proof of such debt no such proof is given or shown. They also refuse to correct the issue.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.SXXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code XXXX ( XXXX ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do credit bureaus continue to try to get more credit cards. They continually tell me to apply for this card or that card. I have 4 only one has a balance of XXXX on it but its zero percent for 14 most and I will pay it off before then. Experian told me to apply for XXXX card which had a good bonus so I did and they immediately turned me down. Then they tell me to apply for XXXX XXXX I did turned because I already have a XXXX XXXX. Well this is 2 inquiries that shouldnt effect me. Also I had a regions s account that I closed and paid in full in 2014. I wrote regions and I have tried to dispute several times. I was laid off going through a rough time during that period. Since then I have worked hard to restore my credit. I always pay Bill 's on time if I am making money. Also cell phone inquiries should not be hard inquiries. If u shop around their gon na pull score and that is at least 2 of my inquiries. I'm XXXX years old And I had great credit till divorced at one time over 800 score but when I didnt charge or by anything for 10 years score dropped to XXXX and I thought when you get old get out of debt. Anyways today 's experian score is XXXX well a couple a months ago I had as high as XXXX and now its dropped 50 points and not one late payment or a reason besides inquiries. Thank you in advance for listening and please follow up with me if u are able to help. Thanks XXXX XXXX. My email is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXX