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

I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related regulations that have affected my credit report and personal rights as a consumer. The violations I detailed include : FCRA Section 616 : The entity in question failed to verify the accuracy of credit information before accepting and reporting it, which constitutes willful noncompliance and exposes them to civil liability.

FCRA Section 603 ( d ) ( 2 ) ( A ) : They did not inform me of my right to opt out of having my personal information shared, which is deceptive and a violation of my rights.

FCRA Section 623 ( a ) ( 3 ) : Inaccurate credit inquiries and accounts were reported without proper validation, violating Generally Accepted Accounting Principles and misleading credit reporting practices.

Debt Collection Practices Act Violations : I experienced harassment and unfair practices due to the reporting of inaccurate debts and accounts, leading to unwarranted distress and creditor contact.

Third-Party Disclosure Violations : My information was shared with third-party credit reporting agencies in violation of regulations prohibiting the disclosure of debt details to third parties. 

Late Payment Reporting Violations : " Late payments '' were reported on my credit report without clear definitions, making these entries deceptive and inaccurate. 

Finance Charge Errors : The agency failed to accurately determine finance charges, an obligation they must fulfill as a credit reporting entity. 

Permissible Purpose Violations : They reported information on my credit report without my written consent, breaching the permissible purposes outlined in the FCRA. 

In response, I authorized a dispute and requested immediate corrective actions, including updating or deleting specific entries on my credit report that were inaccurately reported. I emphasized that failure to address these issues promptly could result in legal action under the provisions of the FCRA and other relevant laws.
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 XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I took out a Parent loan from Sallie Mae/Navient in the amount of {$41000.00} to assist my daughter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as all the loans/grants she qualified and received were not sufficient to fund her education at XXXX. After paying on this loan for twenty years, I paid the balanced owed of {$39000.00} on XX/XX/XXXX. I paid off this loan with the money I inherited after my Father 's death and after I was forced to retire at the age of XXXX when the company I worked for moved their operations to XXXX. I was not able to make the {$280.00} monthly payments with only Social Security as income. On XX/XX/XXXX Navient sent me a letter telling me my expected loan pay off date was XXXX of XXXX when I would turn XXXX XXXX XXXX. I would like to have the amount paid over the original loan amount refunded.
Product: Credit reporting or other personal consumer reports

escription of complaint : XXXX, XXXX and Experian have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX XXXX XXXX  ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector that they sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not one of the XXXX reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} XXXX company stating the date opened as being XXXX and the other as XXXX  This is impossible to have XXXX different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.
Product: Payday loan, title loan, or personal loan

We have a loan with EnerBank USA ( owed by Regions Bank ) to finance the purchase of new windows for our house. This is a 7 year, 0 % interest loan which we have been paying through auto-pay since the inception of the loan in XX/XX/XXXX. While reviewing our checking account statement today, we noticed that they withdrew our payment amount of {$350.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX. 
I called EnerBank to question the charge, and they informed me that they were aware of issues with their auto-pay, but we had not received any communication from them that this issue was taking place. I was told that even though the issue was on their side, I was still going to have to go through a refund request process which includes me writing a letter to them to request the payment be refunded to me and sending them a screen-shot of my bank statement to show that the payments had cleared and that we had a positive balance after the money came out. This makes no sense at all because when we log into our EnerBank account website, it clearly shows both payments have been credited to our account. 
At this point, I asked what agency oversees them so I could file a compliant. The representative laughed, and told me that I could report it to the XXXX XXXX XXXX. This is obviously ridiculous because the XXXX  has no regulatory authority whatsoever. It seems fishy that a representative of the bank would not know what their regulatory agency is.
Product: Money transfer, virtual currency, or money service

I would like to find a complaint against cash app ( block inc. ) Due to the fact of inadequate customer service. Which to my knowledge is illegal. Therefore they are violating the law of customer financial protection act
Product: Checking or savings account

I had fraud on my account. I typically keep my card off because Chime is an unreliable bank that is for profit and doesn't care about their customers. So obvious that there was fraud and Chime did nothing to stop 10 charges that came in one after another. When disputed Chime did no investigation and denied my claim with no proof. 

I already reached out to the merchant who had refunded half of the charges. The other half they couldn't track down in their system because the accounts are searched by name. I told Chime this and it was disregarded. 

They also refuse to give me proof of their investigation. Said it takes 10 days to get it. No it doesn't.
Product: Student loan

In XXXX 2015, my annual Income Based Repayment ( IBR ) recertification application was submitted/received by Fedloan Servicing, with a due date of XXXX 2015. Despite submitting my application, 2 weeks prior to the due date I began receiving emails stating that my application had not been received. After receiving each email, I called Fedloan ( on XXXX occasions ), to inquire about the status of my application and about the purpose of the email notifications. Each call, I was advised that my application was in fact " complete '' but just had n't been updated in the system. However, the day after the deadline, I was notified that my application was missing my husband 's signature and therefore was considered incomplete. I faxed my husband 's signature page that same day but, since at that point it was a day passed the due date, my interest was capitalized and {$11000.00} was consequently tagged onto my student loan balance. 

I submitted a written appeal, accepting my oversight, but also explaining that, prior to the due date, I was advised by XXXX representatives that my application was complete. Therefore, I had been misinformed at a point when there was still ample time for me to correct the error. I also explained that my husband had recently been XXXX and, around the time of submitting my application, we were informed that his XXXX was not working and therefore his life expectancy was less XXXX. I had forgotten to do many things during that time ( including obtaining my husband 's signature on my IBR application ), distracted by the possibility of losing my husband and the father of my XXXX small children. With my appeal, I submitted copies of my husband 's medical records, to verify his XXXX, and to justify my oversight. Apparently, that was not enough - it was not even enough to warrant a written response from Fedloan ; I ended following up several weeks later and was advised by a manager/representative over the phone that, " I 'm sorry about your husband but we are unable to reverse any of the {$11000.00} interest since your husband 's signature was not submitted before the due date. '' The manager attempted to console me by saying " it does n't matter, because you qualify for loan forgiveness, so you will not end up paying the entire balance anyway. '' For the record, I have XXXX more years XXXX before my loans can be forgiven. 

Sadly, I do n't think it was a coincidence that, despite the number of times I called to check my application status, I was not advised until XXXX day after the due that my application was missing my husband 's signature and therefore considered past due. And, considering the circumstances ( i.e. my XXXX ), this seems complete careless and insensitive on the part of Fedloan Servicing.
Product: Credit card

On XX/XX/2025 around XXXX PM, I received a notification that my credit card was used to purchase something for {$780.00}. The store is listed as " XXXX XXXX XXXX XXXX XXXX '' in my bank charges. I have contacted XXXX customer service by phone and client advisors on text. Both have notified me that my name and email was not used during this transaction. I did not authorize this purchase, and my card was fraudulently used. 

I contacted Bank of America XX/XX/2025 and I notified them of this fraudulent charge. They notified me that my card was used in the store even though I was at work that day. This store is XXXX hours away from me. I told them that my credit card was supposed to be out for delivery, but it never arrived. They never looked into that matter. 

XX/XX/XXXX I am notified that after their " investigation '' they found that I used the card by using the chip and " PIN was entered '' even though I do not have a pin on my card. This was the same explanation I received from the customer service agent. I am confident there was no investigation that took place. 

I called them again on XX/XX/XXXX and notified them to reinstate the claim and they said they will after getting more details from me. They have not notified me of taking any initiative for the past 2 days.
Product: Debt collection

Williams and Fudge , Inc is unlawfully attempting to collect a debt that I do not legally owe. If Williams and Fudge , Inc has the right to collect this debt in accordance with the law of the FDCPA I am asking for validation of this account and a contract that provides proof that I was legally XXXX YEARS OR OLDER at the time of contractual agreement, as well as agreement to pay for said debt obtained. This request includes ALL contractual documents stating and proving that I am legally responsible for this account and that I agreed to and legally authorized the alleged debt that Williams and Fudge , Inc is attempting to collect. I never received a letter of validation regarding this alleged debt. It is a fact that Williams and Fudge , Inc has no legal right to attempt to collect this alleged debt from me. Please be advised that I did not turn XXXX until XX/XX/year>! Williams and Fudge , Inc is in violation of the FCRA and the FDCPA.
Product: Mortgage

Hello CFPB, XXXX XX/XX/XXXX I enrolled in Freedom Mortgage 's auto payment option on their website. After enrolling I did not think much about it as I put all my bills on automatic payments. It was on XX/XX/XXXX that I was notified that the XXXX payment was not received. I went through my bank records and they never took out the mortgage payment. I paid it manually as well as the month of XXXX and even paid an additional month. I called Freedom Mortgage to also inform them that the payment was made and to ask why the account was not enrolled in autopayments as I had done on their website. The representative was not much help but apologized and confirmed that the account was now set on auto payments. 
The following month in XXXX is when I found out that Freedom Mortgage had actually reported that I missed the payment for XXXX and my credit had taken a massive hit. I called Freedom Mortgage to inquire about why they reported this and how we could get it taken off. They have been nothing short of unprofessional and incompetent. They are saying that its not their mistake and that they will not remove the late payment. They are asking for " proof '' that I paid them and I have explained that there is nothing to provide since they never processed my auto payment enrollment. 
I have gone back and forth with them several times and keep getting the same response that this is not their fault and they will only correct an error on their part. Communication occurred on this with them on XXXX, and XX/XX/24. I have never experienced this level of subpar customer service and unprofessionalism from an organization. This will damage my credit for years and they will not do they slightest thing to take responsibility for their system or their actions. I have nowhere else to turn to at this point but to ask that you look into this get some sort of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and natural person, I am aware of all rights that I have under federal law, which are protecting me by The Congress under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency you have violated my consumer rights to privacy and confidentiality under 15 USC 1681 by furnishing the following accounts to MY consumer report. 
1. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : 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 : It also states a consumer reporting agency can not furnish an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX, XXXX Account Number : 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : XXXX XXXX XXXX, XXXX Account Number : 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

Company removed access to my account i suspect a data breach an leak of my personas private consumers information. I request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b and My person is protected by Code 801 15 USC 1692. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. Please find my information below for reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ) or 30 days from this document 's date. Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. Yours faithfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reside in the US and own a condominium apartment in XXXX XXXX Puerto Rico. In Puerto Rico I opened three utility accounts for Water, Electric and Telephone/Internet Service. For each of these accounts I established automatic withdrawal from a US checking account with XXXX XXXX XXXX. For the Water and Electric, the accounts are still open and there have been no issues. For the telecommunications account with XXXX XXXX XXXX XXXX, doing business as XXXX, there have been many issues. 
The account was opened on XX/XX/XXXX. 
XXXX, despite having direct withdrawal, marked my status as delinquent four times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have uploaded the XX/XX/XXXX bill which indicates no past due balance. Prior to that paper bill, XXXX had refused to send paper billing until demanded. 
The account was closed by me on XX/XX/XXXX, after over one year of attempting to close it via calls to customer service that would be transferred to a retention department, then disconnected. 
Furthermore, XXXX did not report/acknowledge the account as closed until XX/XX/XXXX along with a letter stating the account has no pending balance. As of XX/XX/XXXX, XXXX owes me a credit balance of {$540.00}. When I spoke to their Finance department today they advised me that my credit balance payment has been referred to their payments department which has no direct contact with the customers. I was asked to provide a callback number in the event they needed to contact me. 
As for the four delinquent reporting events, XXXX finance did acknowledge on a call on XX/XX/XXXX that automatic withdrawal was established. My payments were withdrawn with no issue all other months, prior and future. I have requested that XXXX provide proof of late payments or why they did not make the automatic withdrawal on those four occasions in a timely manner. XXXX has not been able to provide this proof to me or to Transunion, despite my open dispute with Transunion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX FIN - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

Company has been notified a number of times that this account is a result of identity theft. I have reported this to police and the Federal Trade commission. Police report Done in XXXX XXXX case # XXXX XXXX XXXX XXXX # XXXX. FTC report # XXXX. I also have screen shots of all the telephone numbers Portfolio Recovery calls from. They call from various numbers all all the county trying to trick the consumer. They even make local numbers just to call me from. They will deny this but the phone log on the XXXX does not lie and when the numbers are called back they answer with their business name. I am going to turn this list of number and screen shots over to the Attorney Generals office for harassment and the fact they keep reporting this ID theft account on my credit reports. Furthermore, this collection company was notified of various other accounts in which I told them did not belong to me but they continued to harass me until the banks looked into the matters and confirmed the accounts to be fraud. Once they learned the banks verified the other accounts where not mine then and only then did Portfolio Recovery back down from their collection attempts. The account is reporting as XXXX XXXX Bank for {$440.00} via Portfolio Recovery.