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

I received an undisclosed envelope in the mail upon opening the letter it was a debit card from a company called Netspend. Within the letter, it already had a XXXXXXXX XXXX XXXX included. The letter was filled out with my name, a routing number, account number and indication of the bank it is linked to called XXXX. The issue with the above information is that I have no clue what this company Netspend is nor have I ever heard of a bank called XXXX. In addition to all of that I never signed up for a new debit card.
Product: Credit reporting or other personal consumer reports

UPON ME PULLING MY CREDIT REPORT I NOTICE A LATE PAYMENT ON XXXX XXXX
Product: Mortgage

I am an unemployed mother who owns a condo rental property. The condo was involved in a fire that originated in an above unit and was destroyed as a result. Unfortunately I lost my renter and am unable to pay my mortgage. The property has depreciated considerably from the time I purchased it. The unit is down to the studs now and is worth even less. When I contacted Wells Fargo to negotiate a reasonable short payment I was denied by the legal department. I feel like I am being taken advantage of by Wells Fargo Bank.
Product: Credit card

I am writing to express my deep dissatisfaction and frustration regarding an ongoing issue with my Amex Citi Macy 's Credit account. Over the past three months, I have encountered multiple problems when attempting to make payments, and I have received inconsistent and erroneous information from your oversees customer service agents. This has significantly affected my credit and left me in a state of distress. 
The primary issue I have faced is with payment processing. On three separate occasions, I contacted your customer service department to make payments on my account. Each time, I was assured by XXXX customer service agents that the payment would be deducted from my account and promptly posted. However, to my dismay, the payments were not processed, and I received confirmation numbers that were essentially worthless. This left me with the false impression that my financial obligations were met when, in reality, they were not. 

Moreover, the situation escalated when I contacted your customer service department to rectify the payment errors. I was met with inconsistent and confusing responses from different foreign agents. Some of them claimed to have no record of my previous inquiries, while others were uncooperative and unable to provide a satisfactory resolution. It is incredibly frustrating to explain the same issue repeatedly, only to receive contradictory and unhelpful responses. 

The consequences of these payment issues have had a severe impact on my credit score. My financial responsibility and credibility have been unfairly damaged due to the inadequacies of your customer service department. I am deeply concerned about the long-term repercussions this may have on my financial stability and future credit opportunities. 

I kindly request that you take immediate action to rectify this situation. I expect a thorough investigation into the miscommunication and negligence that I have experienced with your overs customer service agents. Furthermore, my credit limit was decreased from {$5000.00} to {$300.00} over mistake from agent who doesnt know what they are doing
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report that is causing confusion with my identity and mailing address. 

To put an end to the misconception my name is XXXX XXXX XXXX there should be no other spellings or variations of my name on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my report because these would be considered non mailing addresses and would cause a delay in me receiving my mail which is a federal crime. 

The credit bureaus are required to report 100 % accuracy are face penalties for each inaccuracy.
Product: Credit card or prepaid card

They are refusing to allow me to order a new card Denying some transactions " for my protection '' And now there is a transaction I made yesterday that's was finalized for a smaller amount than the hold and they are refusing to put the balance back talking about the hold is gon na fall off in a few days when by law once it's finalized they must release that hold and return the balance of my funds and they are refusing to do that and telling me via chat they can't provide any information on the only transaction that's missing which is the same one that was finalized this morning and the funds not returned to my account
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX Bank of America Merchant Services made a withdrawal adjustment of {$550.00} from our merchant account. We have not received anything in writing regarding this dispute. Verbally we confirmed the original charge was a car rental in person, swiped debit card, pin entered. We provided an email response on XXXX, and a writen response on XXXX and had not received anything back from Bank of America in writing.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2018. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Ally Financial Inc was then given my information without my consent or permission then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt they failed to provide authentic documentation which clearly indicated no such matter existed Pursuant to 15 USC 1692d ( 4 ) they then state they are going to repossess the vehicle in which they clearly have no intrest in and furnishing fraudulent documents defined in 8 USC 1324c.r,15 USC 1692j identity theft reported to the Federal Trade Comission report Number XXXX UCC11 Lien search was conducted Name dose n't come up with a lien.
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 privacy and confidentiality rights under 15 USC 1681.

The following accounts have violated my rights.

15 USC 1681 section XXXX. You declare that I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : Also states that a consumer reporting agency may not provide an account without my written instructions.

15 USC 1681c. ( a ) ( XXXX ) The section states : No consumer reporting agency may make any consumer report that contains any of the following items of information. Any other adverse information item, other than records of convictions for crimes that predate the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not provide any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable grounds to believe that the information is inaccurate. 

Delete the following false information rereported and correct it for the true one : XXXX is reporting false information The listed information is a very serious error in reporting. Please delete this misleading information, and XXXX a corrected credit profile to all creditors. 
-- Forget to pay bills you reported ( XXXXXXXX XXXX ) score XXXX I forgot to pay instead I ALWAYS PAYED MY BILLS. 
-- Dont pay any of your bills you reported ( XXXXXXXX XXXX ) XXXX XXXXXXXX I missed payments or payed late instead I NEVER PAY LATE. 
-- Declare Bankruptcy you reported ( XXXXXXXX XXXX ) XXXX XXXXXXXX a recently bankruptcy was filed/ I NEVER HAVE XXXX. 
-- Age of credit ( XXXX ) XXXX XXXXXXXX you reported XXXX XXXX XXXX XXXX XXXX  CORRECT -- Miss a payment by XXXX  Days you reported ( XXXXXXXX XXXX  ) XXXX XXXXXXXX having XXXX account XXXX days payments instead I NEVER PAY AFTER XXXX  DAYS -- Having account on collection you reported ( XXXX points ) XXXX XXXX having an account on collection affect your XXXX instead I NEVER HAVE A COLLECTION ACCOUNT -- Apply for new credit you reported ( XXXX XXXX ) XXXX instead XXXX  months XXXX XXXX Please correct all this XXXX false information for the right XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was locked out of my credit report by XXXX, Equifax and XXXX while trying to do a dispute because they do not list my current employer.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice of dispute regarding the accuracy and verification of certain accounts listed on my credit report. I have identified discrepancies in the reporting of these accounts and request that each creditor provide detailed verification of the following items : XXXX. XXXX Amount Owed : Please verify the total amount owed as {$1200.00}, ensuring it aligns with all reported figures. 

Date of First Delinquency : Confirm the accuracy of the reported first delinquency in XX/XX/year>. 

Date of Last Payment : Provide documentation supporting the absence of payments within the reported timeframe. 

Payment History : Clarify and verify the progression of delinquencies leading to the charge-off status as of XX/XX/year>. 

Method of Verification : Detail the process used to verify the debt, including contractual agreements and payment records. 

XXXX. XXXX XXXX ( Account XXXX and XXXX ) Amount Owed : Confirm the charged-off amount of {$1500.00} and the past-due balance of {$1300.00}. 

Date of First Delinquency : Verify the accuracy of XXXX  days past due as of XX/XX/year> for XXXX and XX/XX/year> for XXXX. 

Date of Last Payment : Provide the records of the last payment dates as reported in the payment histories. 

Payment History : Reconcile any inconsistencies in the reported delinquency progression. 

Method of Verification : Submit evidence of the validation process for both accounts, including payment history and original agreements. 

XXXX. Best Buy/CBNA Amount Owed : Verify the reported balance of {$5100.00} and ensure all records are consistent. 

Date of First Delinquency : Confirm XXXX  days past due as of XX/XX/year> and subsequent progression to XXXX  days past due in XX/XX/year>. 

Date of Last Payment : Clarify discrepancies in the last payment records. 

Payment History : Provide documentation verifying the payment history timeline and consistency. 

Method of Verification : Include proof of the method used to confirm the account details. 

Please provide all requested documentation and verification within 30 days of receipt of this notice, as required by the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that the disputed account ( s ) be corrected or removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please address all correspondence to :
Product: Money transfer, virtual currency, or money service

I am requesting to file a complaint against cash app due not having adequate customer service and unfair practices which violates the consumer financial protection leaving my account unprotected against fraud and hackers. There dispute process is unfair, they really dont want to assist customers with disputes to protect them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I visited a local auto dealership to inquire about obtaining a larger vehicle. Credit was denied. ( see attached correspondence from XXXX XXXX XXXX XXXX ). 

In XXXX of XXXX, I was granted full bankruptcy relief as a result of being a XXXX and XXXX to a daughter with XXXX XXXX Our/my debts were the direct and indirect result of her medical condition. She passed away in XXXX of XXXX. 

In XX/XX/XXXX, I secured full-time employment with XXXX XXXX XXXX XXXX My starting salary offer was {$83000.00} and in XX/XX/XXXX, when this credit report was obtained my salary was {$100000.00}. 

Despite these verifiable facts, I was denied credit. Citing " excessive obligations in relation to income '', the credit bureaus are continuing to wreak havoc on my reputation and finances. I have one car loan, I rent, have no credit cards/debt, or student loan debt, yet, I was denied credit. 

PLEASE HELP ME/US. The credit bureaus are archaic and ineffective and are hurting millions of American families.
Product: Credit reporting

I currently have a dispute regarding the same item submitted on XXXX XXXX, XXXX. I have student loans which were one point with XXXX. These loans went into default for a XXXX months back in XXXX. I executed a rehabilitation agreement in XXXX and finished the program. As such, I noticed on my credit report that XXXX who did not service my loans placed on my credit report an incorrect amount, late tradelines, negative information, incorrect negative collection information for the time period of XXXX? This is not accurate nor did this organization service my loan in this time period. However, when I investigated the same with Equifax I received nothing back from them regarding my disputes. I also sent letters back in XXXX for the company to remove the tradeline, as well? I received nothing. When writing to Equifax several time I include both XXXX and XXXX disputes as they are XXXX incorrectly reporting. Here are my equifax dispute numbers : As you can see I never received results as to XXXX complaints. This seems to be an ongoing problem. 

XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) - XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX -
Product: Debt collection

I submitted a letter from the alleged company ( XXXX XXXX ) which showed that the supposed debt/loan was not carried out by said company. I also contacted the credit agencies to dispute the negative reporting by XXXX XXXX and my credit score was amended because of that proof. However XXXX XXXX failed to resolve the dispute on their end or notify any collection agencies that the dispute was a result of their reporting error and closed the dispute using incorrect data. XXXX XXXX failed to note in their report that the car loan in dispute doesn't match the sales record of a car I did buy and paid off was in good standing ( I've had the title to the car since XXXX ). XXXX XXXX also failed to note that the credit card listed was reported stolen in XXXX or XXXX and could not possibly have been used to get a car loan. 
This whole mess with the collection agency is the result of faulty reporting errors by XXXX XXXX which also failed to act on a previous CFPB complaint ( this is not a continuation of that complaint ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX have reached out to Equifax Credit several times asking them for access to my credit score and report. Equifax has put in tickets to fix this issue but Im still unable to get a updated score which is a code of violation.
Product: Student loan

Hello, I believed I got scammed. I received a a phone call from National Advisory regarding forgiveness for student loans. I was rushed to sign documents, and provide credit card information and social which I unfortunately provided. 

I am needing help to cancel this third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote all three credit bureaus requesting deletion of old and unknown addresses and names. XXXX responded with deletions and the others have not.
Product: Debt collection

I do n't know what the calls are concerning as I do n't owe any debtors other than those debts that are active and payments current. I have repeatedly requested Transworld Systems, Inc/XXXX XXXX - XXXX XXXX to stop the phone calls to my employer. Since my first request on XXXX XXXX via fax to the Transworld they have repeatedly ignored my four ( 4 ) faxes to stop the phone calls and since the initial fax I have received over XXXX XXXX documented phone calls to my employer. It 's threatening my employment as my duties are to answer phone calls. I want the calls to stop and Transworld to provide written documentation of the debt. To date no correspondence has been forwarded to my mailing/home address to dispute the claim. I need assistance immediately to have the phone calls cease to keep my job.
Product: Checking or savings account

OnXX/XX/XXXX from XX/XX/XXXX someone stole my card and was using it without my knowledge. This card was supposed to be my savings card that I was only putting money on which is why it took me a while to discover it. I have never gave anyone my pin or let them use my card. I went to check my balance one day and noticed I only had XXXX XXXX dollars when I should of had XXXX. Union Bank did and supposed investigation and came to the conclusion all the charges were valid. Since then my account have been overdrawn because of all the charges I did not do. I insisted that in their investigation they get the cameras reviewed and I would press charges on anyone who did because no one was authorized to use my card. They are basically calling me a liar and have given me no choice to esculate the situation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name # XXXX XXXXXXXX Account name # XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name # XXXX Account name # XXXX  Account name # XXXX  Account name # XXXX  XXXX Account name # XXXX  XXXX Account name # XXXX  Account name # XXXX  Account name XXXX XXXX  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 ( e ) ( b ) And according to 15 USC 1681i5 they are suppose to do this ( 5 ) treatment of inaccurate individual about who the report relates according to 15USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to do this 5 treatment of inaccurate or unverifiable information ( A ) in generalllf after any reinvestigaton under paragraph ( 1 ) 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 of file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information taht 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..
Product: Debt collection

For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATTACHED : POLICE REPORT # XXXX FTC XXXX AND IDENTITY THEFT REPORT.FTC Report Number XXXX XXXX XXXX CASE NUMBER Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These addresses are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated for almost 2 years, XXXX, Transunion, and XXXXXXXX XXXX XXXX refuse to remove a hard inquiry on my report. I continue to write letters to them and they still will not remove. I have never applied nor have an account with a onemain bank. I demand a {$1000.00} violation for XXXX, XXXX, and Transunion for violating my rights under 15 USC 1681. inquiry date was XX/XX/2020. Again I have never applied for a XXXX XXXX
Product: Mortgage

We have been trying to do a short sale for nearly 2 years and Wells Fargo keeps making us start again and send the same paperwork over and over again! They have received XXXX buyers to which they refuse the offer each time setting an BPO saying the current has expired. 
We have reached out to the executive office and they keep appointing ineffective staff that do not help.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 Blue Trust Loan Company called my job and asked to speak with my boss. The collector publicized my debt not just on this day, but on repeated voicemails on my boss phone. I would like for the harassment to stop. I prefer they no longer call my place of employment and that they do not discuss my debt with my employer.