23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My first call to the company on XX/XX/XXXX2025 was to alert them that I was going out of the county. I realized on ( Saturday ) XX/XX/XXXX2025, that my card had expired. The customer service rep assured me that I would receive my card Monday or ( Tuesday at the latest ). It was going to be sent to my mailing address which is a po box . I asked him if the po box was ok. He said " yes ''. I reiterated are you sure, he said " XX/XX/XXXX''. I told him I was going out of town, and I needed the card. He said " XX/XX/XXXX ''. I called customer service on Monday, XX/XX/XXXX because the card has not arrived. I was told I should get it on Tuesday, XX/XX/XXXX. I did not get the card on Tuesday, XX/XX/XXXX, so I called again. The customer service rep told me it was delivered to " XXXX ''. I asked her for the address, but she wanted to know my address on file. I asked for a manager, because I needed help. The manager ( XXXX ) informed me that the card was sent to the po box and I would not receive it today. I have been with this company since XXXX. It would take 7-10 business days to receive. She said XXXX does not deliver to a po box . She told me they could send it to XXXX where I was going, but I did not feel comfortable with that idea. I am not familiar with XXXX and their system. She said she would listen to the call, but I would not receive any feedback. This left me with no personal credit card to travel out of the country. I had to travel with cash, which is not advisable. My main issue was upon arriving to the XXXX XXXX airport to depart for home, I was told I need to charge my suitcase {$35.00} on a credit card. At this time, they did not take cash! I was traveling alone and had no one to help me! Fortunately, I had my business expense card which should NOT be used for this transaction, but I had no choice. This may create a problem for me later, but at that time I felt desperate. While I was in XXXX XXXX, I had to limit my purchases and any outings because I did not have a credit card. The company did not seem to care, but it caused me frustration and inconvenience. The company did not follow their own policy. Their needs to be better training withing their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO REACH OUT TO THIS COMPANY TO GET THESE INQUIRES REMIVED THAT I DID NOT AUTHORIZE, YET THEY STILL WANT TO PLAY GAMES WIHT PEOPLE 'S FUTURE, THEY HAVE VIOLATED MY RIGHTS OVER AND OVER AGAIN AND I HAVE HAD ENOUGH. THEY HAVE REMOVED AND PUT WRONG INFROMATION TO MY CREDIT REPORT ALSO AGAIN BREAKING THE LAW. THE INQUIRES I DO NOT RECOGNIZE MUST COME OFF IMMEDIATELY Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation 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 The following inquiries are unauthorized : 1.Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX 2.Creditor XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 3.Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4.Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 5.Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 6.Creditor : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act , you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

this XXXX XXXX XXXX credit account has been charged off. so this means that XXXX XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX DEPT OF EDXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I placed an online order with XXXX  XXXX XXXX on XX/XX/XXXX, with delivery scheduled ( via the tool on their website ) on XX/XX/XXXX. Every item I ordered was clearly marked as In Stock and Ready to Ship. My order did not ship on XXXX. I contacted the company over and over, and was repeatedly promised shipping dates that came and went. 

Finally, on XX/XX/XXXX, I notified them that theyve missed too many deadlines and directed them to cancel the order. On XX/XX/XXXX, I received an email saying that they were shipping my order. I replied within 11 minutes that the order had already been canceled. On the same day, I received an email from XXXX XXXX from XXXX XXXX XXXX, apologizing for this unfortunate situation and assuring me that she would contact XXXX to have the order returned. Per XXXX, the order was returned back to the company on XX/XX/XXXX. Now 6 months later, they've fraudulently sent the account to collections ( a total of {$1000.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I sent a letter requesting the removal of the XXXX XXXX   from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''
Product: Credit reporting or other personal consumer reports

While trying to deal with a debt collection company portfolio recovery I requested some very important information front the representative from the legal department that i was talking to who did not have or know what the 15 USC 1692 G was? Than when I went on to request my debt validation to include 1. Detailed list of payments for the original account 2. Forward flow agreement 3 want the original agreement with my signature validating I am responsible for the debt 4. Any insurance claims filed on this debt 5. Proof of chain of title to collect the debt This information is vital to proofing this is a accurate valid debt and for me to verify that this debt is accurately mine not a fraudulent account possibly opened by someone else.

As you can see from the uploaded file on my credit report that it is showing a open account which is completely incorrect the account has been closed for years that alone is enough to show the information they are reporting is incorrect.
Product: Checking or savings account

The XXXX XXXX XXXX has been trying to withdraw our money for almost a year without success. They told the manager that I was the only authorized signer. I called and after 2 hours on the phone someone Told me the forms we needed to download from their website. In XXXX of 2017, they said they never received they email. In XXXX of 2017, someone acknowledged receiving them. They needed me to accept some email invitation to set up an online acct to accomplish withdrawal. Over the next 4 weeks, several people said they were going to send it. It was never received at any of the times. 
On XX/XX/XXXX of this year and XXXX, I spent 3 hours  on the phone with a supervisor, XXXX, employee ID XXXX, They didnt have me listed as an authorized signer AGAIN, couldnt find the accounts and then I was told that some servers dont accept their docs. ( Like the 3 different ones I provided ) I was told they have no alternate way to get me the necessary document to withdraw funds. 
So for over a year, theyve paid us about 0 % on {$250000.00}, wont send us statements and they cant help us to withdraw our money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TODAYS DATE XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a XXXX Credit Report and have noticed on the XXXX page of the report they put Third Party Supplemental info XXXX added some type of inquiry with check systems with our property address and we don't know who they are researching these agencies for? 
We called and they keep passing the buck, pointing the finger. 
We want to know who is originating this information. We need to know or will be getting legal involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX has violated my rights. 

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 XXXX 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: Debt collection

There is a debt alleged in the amount of XXXX or thereabouts from a company called XXXX XXXX which is now being handled by a debt collection agency Debt Recovery Solutions and was opened in XX/XX/XXXX by that company. This debt was alleged to have been opened in XXXX, which is a period of time I was a victim of identity theft and someone trying to use my accounts to launder money. I have filed multiple reports throughout the years to resolve this matter, including with the IRS, who has cleared me and shown me to be the victim of identity theft with someone using my name for loans and other money items. I have requested several times throughout the years for proof this debt to be mine, which I have always disputed. I was never in possession of that much money at any time. I have never been given any such proof. Now, again, I disputed this on my credit report and they found it to be valid. What part of identity theft does anyone not get?!?!
Product: Credit reporting or other personal consumer reports

Over the past 6 months I have tried to dispute a account that I am not familiar with by the company of XXXX XXXX. I have called Equifax to dispute the file these months. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I dont even know where this account is coming from. There is no original creditor. Every time I request any type of proof that this belongs to me the Equifax representative says they can file a dispute for me and it will take 30 days and thats all they can do. I never get any resolution or paperwork regarding this account but it keeps reporting. It is fustrating because the other XXXX bureaus took it off immediately when they tried to verify the account when I was on the phone with them. I dont understand why it is so difficult to work with Equifax XXXX
Product: Credit reporting or other personal consumer reports

Experian has took over 30 days to investigate my credit report and have not made any correction to my credit report by FCRA laws. CASE # XXXX AND CASE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate information placed on my credit report regarding the collection account of XXXX, XXXX, & XXXX XXXX on numerous occasions with TransUnion. 

Pursuant FCRA Section 623 ( 5 ) ( A ) : Reporting information with actual knowledge of errors. 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. This debt is from XXXX  and has passed the XXXX limit from the date of first delinquency ( DOFD ) under the Fair Credit Reporting Act [ 15 USC 1681c ( a ) ( 4 ) ], thus this account should be removed. 

I have provided TransUnion a plethora of documentation substantiating my claim that the date of first delinquency ( DOFD ) is XX/XX/2015, however TransUnion has refused to remove the item. 

I have attached the same documents furnished to TransUnion.
Product: Credit reporting or other personal consumer reports

I have submitted over XXXX different letters to XXXX, XXXX, and Equifax to correct the information on my credit report. I have also included my ID, Social Security card and also Proof of Address. They have responded by saying they wanted to make sure it's me. I have verified multiple times and my credit report is still not fixed with accurate information. Please DELETE the inaccurate information from my credit report.
Product: Money transfer, virtual currency, or money service

Dear XXXX XXXX, Incident Date XXXX. 

On or about I processed a payment for a client after XXXX had a serious Global outage. 
XXXX seemed to be a good solution for my client. After, on XXXX XXXX closed my account and or deactivated it. They suspended my deposit for {$2700.00} for 90 days. 
This is a very serious issue that the FTC should investigate for many clients of XXXX. 
They seem to close accounts and hold funds without a clear reason. Other than your business doesn't fit our matrix of business. They cause great harm to the average small business by holding large amounts of funds. In, many cases they damage peoples lives. 
I demand my funds be released immediately!! 

** Please investigate this XXXX being done by XXXX. ** Thank you!!
Product: Credit reporting or other personal consumer reports

THERE ARE STILL ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE INACCURATE and incomplete. This is a violation of the FCRA. THEY ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY, STATUS DATES, AND INACCURATE PAYMENT HISTORY BETWEEN all 3 CRA 's in each of the accounts listed. DELETE : ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX, XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE INACCURATE, INCOMPLETE AND UNVERIFIED. THEY ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURATE DATES IN THE PAYMENT HISTORY. THIS A VIOLATION OF THE FCRA AND THESE ACCOUNTS MUST BE UPDATE TO PAID AS AGREED/PAID ON TIME, NEVER LATE IN THE ENTIRE PAYMENT HISTORY FOR EVERY MONTH. UPDATE TO PAID AS AGREED, NEVER LATE, PAID ON TIME : ( XXXX )
Product: Debt collection

On XXXX/XXXX/XXXX, I had an amount of {$170.00} taken out of my account by XXXX XXXX XXXX. I called them to have the charge reversed, but they threatened legal action over an overdue payment of {$250.00}. They threatened to have papers served and to have me charged with fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a notification from Navy Federal Credit Union that a XXXX transfer in the amount of {$500.00} was made and approved to a XXXX XXXX account. I immediately went into NFCU to let them know of the notification and that it was not me. I have never used XXXX and would not know how. NFCU said that a secondary cell phone number had been added to my account by a hacker and that it had an out of state area code. They also said that they were aware of the massive XXXX fraud occurring within their banking system. I did not ask to have XXXX and I was not given an opportunity to opt out of this third party service. I have also never used my debit card in an ATM machine. They did an investigation and said they would not refund my {$500.00} and they concluded through their sham of investigation that is was me and they would not be refunding my stolen money. The XXXX XXXX was easy to follow in that I have never made a transaction hike this and am a XXXX XXXX XXXX widow with low IT skills. They made me feel like a liar and a criminal which I am neither. Please help me so others in my demographic are safe.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and they tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

I have a fraud alert on my credit bureaus. I applied for XXXX and XXXX XXXX. Both use XXXX XXXX. I received letters from XXXX XXXX referencing both accounts and I had to called them. They verified all the information with me and I thought everything was solved. d. Today I revieved a letters from XXXX XXXX saying they could n't verifiy with Equifax. on both XXXX and XXXX XXXX. Equifax is more than aware of my identiy. Ihave faxed and mailed my SS card and my drivers license. ( that complaint you will be receiving also ) Can someone help me withg getting all of my information correct with Equifax?