23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a XXXX XXXX XXXXXXXX XXXX card on XX/XX/XXXX. 2025. I was denied XXXX days later when I called to check on my card application. I called them again to see the reason for the denial. They provided vague answers. Other accosted stated they could not provide me with information and that Id have to await a letter. Did not receive that letter and after repeatedly calling, I kept getting transferred to a customer service line that seemingly does not operate because I have never been able to reach someone there.
Product: Vehicle loan or lease

Late payments from XXXX in XXXX and late payments from XX/XX/XXXX to to XX/XX/XXXX because of a natural disaster ( hurricane Ida ). lost of job in both instances
Product: Debt collection

Tower Loan of XXXX, Louisiana, calls me at least 3 - 4 times a week to try to force me to : 1 ). Make double payments, or 2 ). Refinance my loan I can only pay {$240.00} by the XXXX of each month.
Product: Money transfer, virtual currency, or money service

the money was transferred in the name of my niece to a group of volunteers from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at the end of XXXX and beginning of XX/XX/year>, were intended to rent a truck and pay for gasoline. From the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I repeatedly called the money gram company. I have not received an answer to the question of where my money is for a little over 2 months. After contacting the CFPB with a complaint that my money was missing and no one was giving me a clear answer, the money was returned to my account in maybe 12-15 days. I transferred money from my bank account to a bank account in XXXX. I send {$2000.00} to XXXX in XXXX whom I personally know. 
I send {$2000.00} from my bank account in XXXX to bank account my niece in XXXX. This money was intended for a group of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For more than 2 months I didn't know where my money was. 
I can/t log into my online account on MONEY GRAM. Answer- missing or not found. I can/t open my mailbox either. Answer- hacking attempts and my mailbox was blocked!
Product: Debt collection

CBE Group is attempting to collect on debts I do not owe, these were written off by my doctor 's office as hardship. The accounts they are attempting to collect on are # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I do not owe these debts they were written off.
Product: Credit card

I have auto-payments set up on my credit card and have always had sufficient money in my bank account to pay the full statement balance. 

My JetBlue Barclays card reported a late payment to a credit bureau, I believe for a XX/XX/2024 payment ( possibleXX/XX/2024). I did not see any contact or communication from JetBlue Barclays card about a payment issue. 

After contacting Barclays via letter in XXXX to inquire why a late payment report was submitted, I received no response. I called Barclays as well and they refused to provide any information, confirming they would not help me over the phone or online, and I must write another letter. 

I have always been willing and able to pay my full monthly statement balance. Whether Barclays suffered from a technical issue or any other issue took place regarding my payment, I would have been willing and able to immediately submit payment to them in whatever form needed to pay my bill on time.
Product: Checking or savings account

On XX/XX/22 I drove out from XXXX to XXXX XXXX to visit family. I went to the nearest CHASE ATM in XXXX XXXX to deposit XXXX in CASH that I did not feel comfortable carrying on me and I expected to use that to cover my stay time in XXXX. At the time of the deposit, it was a normal process, I put the money in, took some time to add the amount, I confirmed, it then shot me out a receipt that stated to confirm you deposit went through please call chase customer service number. I was confused. I checked my account no funds were pending or deposited. Mind you its XXXX I started freaking out I have XXXX kids I need to care for with these funds. I tried to call chase but because it was a holiday it was closed. I was able to get a small loan until they bank opened back up on XX/XX/22 to speak with someone. I called customer service for chase explained what happened and all she was able to tell me was, it will be investigated can take up to 10 business days we dont have any other information. Im kind blown, all the money I brought to care for myself and children i am no longer entitled to until they investigate and can take up to 10 days?! This is so crazy, the lady who helped me was not helpful, very rude and hung up on me after saying I am not bout to argue with you. This is so frustrating, never happened to me before. I wasnt offering emergency funds or anything. I was left with XXXX dollars after this happened. I will never trust a bank with my money again! This made me feel hopeless, I also had to find other ways to get money from family because the bank had no explication as to what happened to mine. Unbelievable!
Product: Credit reporting or other personal consumer reports

I have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Product: Mortgage

I have been involved in a predatorial loan For18 years now I purchased my home from an gentleman that does not exists as well as the bogus Company he used that no longer exists however when I purchased my home in XX/XX/XXXX for XXXX with a second mortgage of XXXX to be paid to the gentleman in which I tried to contact several times after closing would not respond to me for payment he sold my home to me for XXXX XXXX XXXX XXXX with a company name of XXXX XXXX after I closed on loan a new loan was filed three months later in the XXXX XXXX XXXX public records for XXXX on my property in which there is not a property within 25 miles of my address that apraises out for that much I did not find out for serveral years later however I was in a adjustable rate and needed to get out of I.T I  refininced in XX/XX/XXXX with a lady XXXX XXXX in which she was known for fraudulent mortgage loans in which she led me to believe that in the refinicing that there was no more second out of adjustable rate so XXXX XXXX would no longer be addressed on my deed however he still is on my deed to this day he doesnt exsist and my loan has been sold over six times and none of the Companies dont hold the deed to my home but yet they try to foreclose with so much fraud before theyve gotten my loan I purchased my home for a total of XXXX in XX/XX/XXXX and today I still owe XXXX for my home Iive in and been in 18 years now I have applied for modifications numberous time was at 13 percent interest rate from XX/XX/XXXX til XX/XX/XXXX was denied in serveral ocassions as well as did not pay mortgage for over seven to nine years because I dont know whom I paying to or if I could ever own my home individually and without someone else that doesnt exsist listed on my deed I am now with Nationstar in which is Mr . Cooper I jus would like to see how I could go about getting a loan forensic to bring some of this fraud to the open
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my credit reports from Merchant 's Credit Guide for a some kind of medical collection from a radiology place. I have no idea what this is and I have attempted disputing this with the credit bureaus and have not had any success in getting this resolved. This needs to be removed from my credit reports. This does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove an account from XXXX XXXX from my account. That was my ex-wife 's account, not mine. I have submitted numerous disputes with Experian but it never gets removed or updated, I have a letter from XXXX XXXX saying I am not on the account.
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 of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00XXXX XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX|Date of Inquiry XXXX XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

No idea of this account. Address on report is the complex next door to my old residence. Never stayed there. Never been evicted. This is Fraud. Original creditor XXXX XXXX XXXX XXXX. Debt sold to XXXX XXXXXXXX XXXX  for XXXX. This address and debt is unbeknownst not mine. Ive already disputed this account with XXXX. Also XXXX XXXX account that I never had and XXXX Also. I have never had a fancy phone. Always a government phone. I am on food stamps. I can not afford these phones that are thousands of dollars. I live in a government subsidy. I was just homeless and lost all my identification within the last 2 3 years and thats when all the fraud started. XXXX XXXX XXXX is {$2600.00} already disputed and police reports made. XXXX XXXX {$1200.00} disputed and police report made.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

1st Progress has Charged Off this account, There-fore this account is considered a certificate of indebtedness. Certificate of Indebtedness is considered INCOME and can not be reported to a credit report. Ther- shall be removed immediately. 

To prove my identity, I have included copies of my passport and drivers license. Ive included a copy of the credit report with the same account for which Im requesting information and erroneous information correction. 

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Checking or savings account

Urgent Request for Resolution and XXXX XXXX Dear XXXX Support Team, I hope this message finds you well. I am writing to express my deep frustration and concern regarding the ongoing issues Ive faced with my XXXX account, particularly related to my XXXX Debit Card and the treatment I have received from your customer service representatives. I have been a loyal XXXX user for over 8 years, and this recent experience has been nothing short of distressing. 

For the past XXXX months, I have been unable to access or use my XXXX Debit Card due to what Ive been told are security reasons. However, no specific or clear explanation has been provided for why my card is now restricted, especially given that I have used this service without issue for years. I would like to remind XXXX that, under the Americans with XXXX XXXX ( XXXX ), I am entitled to the same access and services as any other customer. As a person with a XXXX, I depend on the ease and accessibility of XXXX for managing my finances. 

Additionally, I have encountered multiple instances where XXXX representatives have been unhelpful, rude, and dismissive. In particular, I was recently told that my debit card would never work due to these supposed security concerns. This is not only frustrating but also discriminatory and unjust. On XXXX occasion, I was left feeling belittled by a customer service representative named XXXX, who displayed a lack of empathy and understanding, which is especially difficult given my circumstances. 

To further complicate matters, I have faced attempts of fraud from XXXX employees, which I was able to detect and reverse on my own. Despite resolving the disputed transactions, my card continues to be locked. This situation is now causing me undue financial and emotional distress. I rely on XXXX for my basic needs, as I do not have access to a traditional bank account and have a fixed income due to my XXXX. 

I would like to request that this matter be escalated to a higher level of support, and that a thorough investigation into the unjust restrictions on my account be conducted. I also urge XXXX to review its policies and ensure that all employees are trained in the legal protections and rights afforded to XXXX customers under the XXXX. 

Please let me know how this issue will be resolved, and I kindly ask for immediate access to my XXXX XXXX XXXX. I would greatly appreciate your prompt response to avoid any further hardship. 

Thank you for your attention to this matter, and I look forward to your prompt and compassionate resolution.thanks for taking the time to read this take care of yourselve bye Sincerely, 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 15 USC 1681. 

Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 seven 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

XXXX XXXX is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. XXXX  XXXX is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Checking or savings account

I received a letter in the mail stating that a Personal Checking account with XXXX  Debit Card access was opened in my name with TD Bank. The account number isXXXX. The customer reference number is : XXXX # # #. I have contacted TD Bank and closed the account. There is no beginning or ending balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the Equifax data breach reported XXXX XX/XX/XXXX I froze my Equifax credit report. Recently I tried to unfreeze my credit report. Eventually after multiple attempts Equifax sent me a letter dated XXXX XX/XX/XXXX stating that the freeze was lifted permanently. XX/XX/XXXX I applied for a credit card and was told that my Equifax credit report was frozen. After multiple phone calls to Equifax XXXX XXXX, including Equifax cutting off the call once, I asked to escalate to a supervisor who asked all the same questions I had just answered 3 times already. I want to report Equifax for obstructing personal financial transactions, incompetence, and complete absence of customer service. Why is any business using Equifax for credit checking when their incompetence is legendary, as evidenced by the massive data breach they did not even discover for months? If possible I will avoid dealing with any business who uses Equifax for crediting reporting instead of one of the competent alternatives.