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

XXXX Credit card was removed per cfpb and then it was reinserted on XXXX. I also have an inquiry from XXXX that I have no knowlwege of or have given permission. By law it has to be removed.
Product: Checking or savings account

On XX/XX/2019 I opened a Checking account and a Savings account at Fifth Third Bank at XXXX IN branch and gave the bank teller a cashier check from XXXX  XXXX for {$3300.00} to deposit into this account. On XX/XX/XXXX I received a transfer from my mom 's XXXX checking account for the amount of {$1200.00}. The fund was deposited on XX/XX/2019. A few days later, I figured out my online banking account was blocked. I called 5/3 customer service and they told me the XXXX XXXX  check that I deposited was a bad check and told me to come to the branch with documentation saying that the check is valid. I thought this is ridiculous since it is a cashier check from a bank and there is no way for me to get anything that proves the validity of the check. Then I waited until XX/XX/2019 and received a letter from the bank saying that my checking account will be closed in 30 days from XX/XX/XXXX "  because of recent account activity '' with no any further explanations. There was nothing I could do to get the remaining fund from my account because they did not allow me to take any money out of the account so I waited 30 days for the account to be closed and get the refund check. However, 2 weeks after the 30 day period I got nothing from the bank. I called customer service twice to asked for the refund of the remaining balance and both times they told me that they already sent out the check. I waited until yesterday ( XX/XX/2019 ) and still got nothing. I decided to call in again and this time they told me that the remaining fund in my account is intended for me and the fund was forfeited.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Acoordance with the fair credit reporting, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX  XXXX, Account Number XXXX beggining number last part is unknown since its a collection account, XXXX XXXX XXXX, the XXXX  XXXX, Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any 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 USC 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: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/2018. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from Experience that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
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 rights to privacy and confidentiality under 15 USC 1681.

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

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 3 of this credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this.
Product: Debt collection

Synchrony Bank charged illegal interest rates on CareCredit accounts. The lawsuit claims that Synchrony Bank violated state usury laws by charging high interest rates on CareCredit loans for medical care.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$680.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$10000.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$540.00} XXXX XXXX XXXX XXXX - XXXX - {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$480.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$540.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$800.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXX XXXX {$800.00} Late Payment XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX - XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} Inquiry 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Personal Information Also Known As : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am struggling to get inaccurate inquires removed off of my credit report. I have disputed two inaccurate inquires with XXXX via certified letter, but the company responded and said the inquires were verified. It was recommended that I reach out to the creditors who did the inquires directly. I called the companies that were reporting which are Suntrust Bank and XXXX XXXX, and I was told by their employees that I needed to dispute the information directly with the credit reporting agency. Since I had already done this, I called XXXX to tell them what the two banks said. The XXXX representative was apologetic about the inaccurate information, but still referred me back to the other two companies. I was told that I needed to call the companies and request a deletion letter and once that arrived to mail that letter to XXXX. My concerns are that this process is inconvenient and causing me stress and hindering me from being able to access consumer credit because there are other companies that are denying me credit due to how many inquires I currently have. I have been disputing this information since XXXX. It is now XXXX, and I am still being given the run around. I dont understand why getting inaccurate information off of my credit report is so difficult.
Product: Credit reporting or other personal consumer reports

I am a verified victim of Identity theft and XXXX, XXXX, and XXXX data breaches. I am writing to you because you are reporting inaccuracies and I have been notified of a breach. I am promised accuracy in my credit `report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. I have my police reports and all necessary documents.
Product: Credit reporting

Transunion has been reporting on my credit report since 2013 charge off bad debt on XXXX account ending in XXXX. This was sent to court in XXXX 2013 with a ruling of dismissed with prejudice and also stating I am not liable for said debt account. I contacted XXXX in whom the account was sold to. The case has been deleted with them and also they reported the corrected information to all three credit reporters on XXXX XXXX, 2013 with a AUD number of XXXX. However it continues to be reported as bad debt and derogatory. I have enclosed the court documents an advise Transunion to delete this account off my credit report and I can not imagine how this has impacted my scores and credit worthiness. Your company did not investigate this as then you would have found out if you contacted the proper channels this debt should not be reported in such a manner. Please take note of the violation in place here on your company for doing this for almost three years. Take it off thank you.
Product: Mortgage

Select Portfolio Servicing, Inc. ( SPS ) is handling my escrow and are suppose to be paying the taxes and insurance from my escrow. XXXX county tax commission has filed a FI FA against me because SPS has refused to pay the taxes like they are supposed to. I have enclosed a copy of the letter from XXXX County Tax Commissioner about this matter.
Product: Student loan

Navient on several occasions has redirected me to use forbearance rather than provide me with a low-based payment option.     Anytime I tried to submit my request electronically it would repoint me to the forbearance options.     I have negative reporting on my credit that includes excessive fees and charges of interest on the loans.
Product: Debt collection

UNIFIN INC IS TRYING TO COLLECT A DEBT THAT I DO NOT RECOGNIZE REFERENCE # XXXXI AM ON SSI AND MY INCOME IS FEDERALLY PROTECTED, I WOULD LIKE A VALIDATION OF THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous complaints to XXXX XXXX XXXX concerning the following account XXXX. XXXX XXXX has refused to accurately report the above mentioned tradelines on my Equifax Credit Report I requested to speak to a representative in the Credit Reporting and Bankruptcy Department and was told by XXXX in customer service that she couldnt transfer me to the anyone to speak to about my situation. I explained to her the way the account was being reported was incorrect. She said that it was acceptable to report the repossession status in conjunction with the bankruptcy. I informed her that the reporting was incorrect and that it was considered to be continued " collection '' activity and that it violated my rights under bankruptcy protection. I am demanding XXXX XXXX XXXX to delete this account or will escalate my case to the higher authority or pursue other legal remedy.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XX/XX/XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$4500.00} Credit Card Opened by the Thief Company or Organization : XX/XX/XXXXAccount Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$5000.00} Fraudulent Auto Loan or Lease Company or Organization :XX/XX/XXXXXXXX XX/XX/XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/scrub>/2025 Total fraudulent amount : {$18000.00} Fraudulent Insurance Company or Organization : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$140.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$2200.00}
Product: Debt collection

This agency is currently reporting a debit on my credit report without proper licensing and documentation. I have written multiple letters directly to XXXX XXXX staying that I was unaware of the debt. I was not properly notified before the accounts were sent to collections. It also states in the letter that the information reported is incorrect please validate the debt and stop reporting until the debt is validated by myself/ please delete due to inaccuracy of reporting. Instead of deleting the accounts from my credit report due to incorrect reporting information and no proper notification of debt. They decided to update the incorrect information that was being disputed at the time. 

The state of Texas also requires a license or surety bond for debt collection purposes. National Credit Sysyems is currently collecting on credit report in the amounts of {$140.00} and {$500.00}. The address reported on my credit report is XXXX. XXXX XXXX XXXX, Ga. This company and address is currently not registered to collect from this address in the state of Texas. I would like these accounts to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX  XXXX
Product: Checking or savings account

I have been banking with CapitalOne for over 5 years. Today, XX/XX/year> I tried using my Debit Card online to pay for a loan I owe. The loan was {$160.00} XX/XX/XXXX. I have an available balance of {$280.00} dollars in my card. My card declined 2 times, so I contacted CapitalOne Bank customer service. The agent state my debit card was canceled and they have sent me a new card today. I asked why my debit card was canceled? I didn't requested cancelation of my debit card and I was not notified about this. The agent stated my card is expiration date is approaching and a new one was automatically sent. I was outraged. My debit card does not expire until XX/XX/year>. Why would they take the liberty to cancel my card without my knowledge a month prior? I asked her to re-activate my card. I only have XXXX debit card, I only bank with capitalone. The new card is not arriving until XX/XX/year>. What am I going to do until then? I need gas and food. I need to pay my bills. The agent said I can pay bills with XXXX. I ask her, can I pay the gas station with XXXX? Can I pay the supermarket with XXXX? How about my cellphone bill which is due XX/XX/XXXX, XX/XX/XXXX, XXXX doesnt take XXXX XXXX The agent said I should figure it out. 

I am extremely angry CapitalOne would cancel my card without me having a new one. Completely taking control of my finances and not allowing my to use my money. I have called CapitalOne 3 times and tried to get someone to talk to me on XXXX or XXXX and they will not help me. I am desperate and dont know what to do but submit this complaint to see who could listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX XXXX XXXX and this this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX, XXXX XXXX, CA, undefined
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan opained has reported last payment and have been sent to another company which shows current but the old account still shows deliquescent and the account is no longer valid
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 i went inside the speedy cash pay loan day to pay XXXX cash and i did NOT got the loan back. I was going on vacation on XX/XX/2023. So decided to pay the loan off. On XX/XX/2023. They withdraw another XXXX of my account i contacted them on my vacation time arguing the issue. Yes, i did made a, mistake of not getting the received. As, i told the manager you should see the camera and see that i pay that the the full loan and not re load. i have been fighting this for a while. i have visit other payday an it look that we have a few employee that do take your money but DO NOT process the information of the payment and keeping the money. Now i explain to my back. The bank has the information that i withdraw XXXX on that day. Like i told my bank, after i withdraw the money around XXXX to XXXX minutes i when to pay speed cash advance right behind their office. i pay my load and theXXXX XXXX and they double charge and dont want to look at the camera to confirm what happened. There's some people that go to re-load their card and the clerk don't load the card. They have been stealing money for customers. The clerk that did my stealing, i go there and she smile at the situation and the other guy XXXX  XXXX  ones i walk in. Please i work so hard for my money to pay them and they want to steal my money. I lost time, gas, been under stress and health issues behind this people. please make sure that you request does video if they not erase those videos already. The manager she said her name was XXXX she give phone numbers to call but no good numbers. She was so rude she told me for me to go to a website and look for the video on that day. I told her you should look at them you have access. She said for me to do it. She also said that she wasn going to blame her worker. Like i told her i been coming here for a while if you didnt took my extra money i would not be fighting. I told her that they need to stop doing this things to their good customers. I say they don't fight but i did pay on the XXXX XXXX and i need the money that you withdraw extra from my card. Please help me with this matter .please look at the video. XXXX XXXX approximately between XXXX XXXX to XXXX XXXX  you will see me there. 
INformation : Speedy cash, XXXX  XXXX XXXX XXXX. XXXX XXXX. XXXX Manager XXXX maybe a wrong name too. please contact me regard this matter. 
XXXX XXXX XXXX