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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances Despite initially available funds. I believe these practices are unfair and require an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing XXXX XXXXXXXX Please investigate this account and remove if theres anything missing XXXX XXXX XXXX Please investigate this account and remove if theres anything missing
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX  XXXX {$440.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$2700.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an XXXX  report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

The lender as failed to respond to the Qualified Written request ( QWR ) submitted to them on  XXXX / XXXX /  XXXX   - The lender is required to provide a detailed loan history for us to review and assist the borrower. This is a violation of RESPA and we request the FC be placed on hold and for the requested info to be provided ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF INQURIES BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681. 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC1681. 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN CONSENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Credit Report Information Dear Sir/Madam , I am writing to file a formal complaint against Experian for their repeated failure to correct inaccuracies in my credit report, despite multiple attempts on my part to resolve these issues.

Over the past [ specific time period ], I have contacted Experian on six separate occasions to dispute erroneous information on my credit report, including an incorrect charge-off and other inaccuracies. Each time, Experian has responded by stating that they have verified the information ; however, the inaccuracies remain uncorrected.

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar issues. According to a CFPB press release dated XX/XX/scrub> 2025, the Bureau sued Experian for unlawfully failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on consumer reports. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about disputes, leading to the retention of inaccurate information on credit reports. 
XXXX Given Experian 's ongoing failure to address these inaccuracies in my credit report, I am requesting that the CFPB intervene to ensure the deletion of the erroneous information. The presence of this incorrect data is adversely affecting my creditworthiness and, consequently, my ability to access credit, housing, and employment opportunities. 

I have attached copies of my correspondence with Experian, including dispute letters and their responses, as well as a copy of my current credit report highlighting the disputed items. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Debt collection

Your assertion that the accounts in question have been verified is both vague and infuriating, as you have failed to provide any semblance of evidence or documentation to support this claim. The absence of such verification leaves me to question the legitimacy of your so-called investigation and raises doubts about the accuracy of the information you choose to report. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is perplexing that while one of the credit bureau has successfully confirmed the fraudulent status of these accounts and taken appropriate action to prevent them from tarnishing my credit report further, your bureau remains obstinate in its refusal to do the same. The lack of consistency among credit reporting agencies raises serious questions about the credibility and reliability of your bureau 's investigative processes. To my dismay, not only have you failed to provide any accurate information or verification of the disputed accounts, but you have also outright refused to remove them, despite clear evidence from other credit bureau that substantiates the fraudulent nature of these accounts. 
XXXX XXXX XXXX DELETE!!! EX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX DELETE!!! EX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable.

If other credit bureaus can confirm the fraudulent nature of these accounts, there is no excuse for your bureau 's inaction and refusal to remove them from my credit report. Furthermore, I insist that you take prompt and decisive action to rectify this situation. The continued reporting of fraudulent accounts on my credit report is not only damaging to my financial standing but also a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all XXXX agencies. XXXX, XXXX  and Experian. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to zero balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please help!
Product: Credit reporting or other personal consumer reports

The company listed as XXXX XXXX  on my account has reported incorrectly siting my rights as an individual protected by the FCRA. 15 US CODE 1666B TIMING OF PAYMENTS Under this law a creditor may not treat a payment on a credit card account under and 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 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I also choose to opt out of credit reporting from this company.
Product: Money transfer, virtual currency, or money service

I am filing and 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit card

My issue is XXXX XXXX. My issue is that there is always something with this card. It 's either the payment has n't had enough time to go through, or they have received too many payments, or the account does n't have enough history on it. This card is the only card that I have issues with that Commenity Bank backs. I have XXXX additional cards so far backed by Commenity Bank and I have never had an issue with any of those cards ever. I have never had a return payment, I make my payments on time if not XXXX weeks early. Not to mention that I just paid down XXXX of those cards below XXXX % utilization. I have never had a return payment, nsf payment, or any of that. Yet, XXXX XXXX can not seem to get it together. I was in Target today. I was trying to make a XXXX purchase and it was declined. The reasons that I received were payments had n't cleared, even though I received an email stating that the payments had been processed. I was told that I did n't have access to any credit limit at all. XXXX would n't you know, I did a small purchase through XXXX XXXX and it went through. I dislike being lied to. I dislike receiving subpar service. I dislike a company that takes advantage of me, my service, and my money. Not to mention the supervisor XXXX that I spoke that had a XXXX poor attitude all together. I have submitted a complaint before regarding this issue and promised that it would n't happen again and well it has. I will be receiving my XXXX XXXX card sometime next week. Once I receive that I will be doing a balance transfer to my XXXX XXXX card and closing my account permanently. I deserve to be treated with respect as a consumer and a customer. I do n't appreciate being lied to when I know that there is credit available on my account. I dislike it. I will be telling all my family and friends to cancel their cards and go elsewhere. I will be filing a complaint on the BBB website so that everyone can see the treatment of good customers. I dislike a decline on my account being labeled as check kiting. That is a term that is illegal check writing. I work in XXXX XXXX. I know exactly what that means. I do n't appreciate that being applied to my account when I am a model customer. I also dislike when the truth is being told to me after I let them know that a purchase was able to be made. I am not happy with XXXX XXXX at all.
Product: Checking or savings account

XXXX law for XXXX allows gifts up to {$19000.00} per person. Because XXXX has a limit of {$5000.00} per day, I sent XXXX consecutive transfers to my daughter of {$5000.00} each beginning XX/XX/XXXX. When I tried to send the XXXX payment of {$4000.00}, I got a message saying the transfer was canceled. I thought that was a mistake and tried another ; that was also canceled. I waited XXXX days and tried again with the same result. I called Chase a few days later to have the lock removed. I was told that my accounts were restricted, and I was transferred to the section that restricted the accounts. I was told that my accounts were locked on the XXXX of XXXX and that they would be closed on the XXXX with a check sent to me. I was told that I was sent a message regarding this, but I did not receive a message about this action. I was also told that I was sent a letter on XX/XX/XXXX, but I have received no letter. I asked why my accounts were closed and was told that they could not tell me the reason. I later called back to ask if the money could be sent online through a direct deposit and was told no. This second person was very rude to me. I asked both people in those calls what I did wrong and they said nothing. 

My family and I have been researching sudden closed accounts and see that fraud or money laundering is usually the reason. I have committed neither crimejust sending money to my daughter as a gift. In XXXX I mailed her a check for gifting, but it never arrived, and had to cancel the check costing me money and losing the gifting for XXXX. I learned XXXX is good way to transfer money. XXXX very worried that I will get a XXXX mark on my social security number. 
Also, there are XXXX accounts associated with this report. I also have a savings account with Chase.
Product: Credit reporting or other personal consumer reports

I Filed A Dispute With XXXX About A Fraud Account That Was Opend Up In My Name And Nothing Was Rectified.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the consumer credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. I would love any feedback possible before taking action against you later down this road together.The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate. I am demanding accurate documentation so you can document me- the person who deserves status in society - correctly.Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX  XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the Experian and XXXX Credit Bureau and the XXXX  XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of Identity Theft. I have recently obtained a copy of my credit report and the information does not relate to any transaction that i have made and has incorrect addresses. I am requesting that the credit bureaus completely block and remove this incorrect unknown information from my credit report.
Product: Credit card or prepaid card

They have a XXXX annual fee to use airport lounges that have been closed since XXXX and I asked for a partial credit and they denied. All other premium credit cards have already offered this but Amex and their foreign customer service agents just dont comprehend why this is an issue, they sound like robots reading off a script.