23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

refinance was to take place in XX/XX/XXXX, however loan did not close. The closing was resechuled for XX/XX/XXXX at XXXX in my home. The day of the closing a notary higher by Mr. Cooper which is my mortgage company, called to say another person would be doing the closing, which to him was the last minute, closing ran until XXXX that night and continued the next morning. Papers were signed closing certified check was given. After two to three weeks since we had not heard anything from the company I called, Mr. Cooper, they said they had no record of such closing! and from that day its been a nightmare. After much going back and forth with this company, they still refused to ackowledge the closing, even though I signed documents and paid closing costs. A rep from Mr. Coopers, said they would check into this, and instead my closing costs were returned a month after the closing. I reminded the rep that I had 3 days to recind the transaction and I had not and according to mortgage documents they had 30 days and that they had gone beyond the thirty days. Well they falsely said to me they would return the closing costs so I could pay the original mortgage bc it now was late ( their fault ) and call me back with another closing date. Then I get a phone call from XXXX XXXX, not from the other personal I had been working with, and she told me that she had bad news that they were not going to reschedule a new closing. According to her they now had to do appraisals credit reports etc.,? This conversation took place the evening of XX/XX/XXXX. All this time since XX/XX/XXXX? I am still waiting for a reply. Very upsetting to say the least, is this legal what they did to me :?
Product: Checking or savings account

Subject : Formal Complaint Regarding Unauthorized Transactions on My Chime Account Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime for their repeated failure to prevent unauthorized transactions on my account and for their lack of adequate support in resolving the situation.

On two separate occasions, including the most recent incident, unauthorized transactions occurred overnight while I was asleep. Specifically, all of the fraudulent transactions in the latest incident began at exactly XXXX XXXX. on Tuesday, XX/XX/2025. These transactions were made using my Chime account and routing numbers ( Account : XXXX, Routing : XXXX ), without my authorization. I have been diligent in monitoring my account ever since the first incident, yet these fraudulent activities continue. Despite my vigilance, Chime has failed to provide any reassurance or clarity regarding how they plan to return my funds or prevent such incidents from happening again. 

Chimes response has been unacceptable. Not only did I not receive any alerts about these transactions, but the company also failed to provide adequate guidance on how my stolen funds would be recovered. I suspect Chime may consider closing my account as a way to absolve themselves of responsibility, but I demand that my funds be returned and that this matter be resolved appropriately before any such action is taken. 

I am extremely upset and frustrated with Chimes handling of this matter. As a customer, I expect a financial institution to safeguard my funds and to take swift, transparent, and effective action in cases of fraud. Their failure to address these recurring incidents, including this latest one involving unauthorized use of my account information, has completely shaken my confidence in their services. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Chime takes responsibility for their actions. It is unacceptable for a financial institution to allow fraudulent transactions to go unaddressed and for customers like me to bear the consequences. 

I am prepared to escalate this matter to the highest levels of government if necessary to protect my rights and ensure no other customers face the same ordeal. 

Thank you for your attention to this matter. 

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

I request that [ EXPERIAN ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

XXXX XXXX : Should you require any further information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : CASE FILE - XXXX Warning to remove items from my Credit File To whom it may concern, I have previously disputed CASE FILE - XXXX with you and WITH NO response, you have not verified the item as correct, accurate or factual. My credit report reflects this information has been verified and provided to the credit bureaus willingly by the court - that is a lie. The XXXX courts do not provide information to the credit bureaus. This is CLEARLY stated in the link provided below. 

UNLESS you can provide me with written confirmation that the above mentioned court district has manually verified this information as it shows on my credit report, this is false reporting and NOT LEGAL. This does NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and it must be deleted IMMEDIATELY. 

Please reference for proof of this violation and false reporting : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DEMAND DELETION OF THIS REPORTING IMMEDIATELY AS THIS IS IN VIOLATION OF FCRA - 611 ( 15 USC & 1681I ).
Product: Credit reporting or other personal consumer reports

there are unauthorized inquiries on my TransUnion and Equifax credit report recently. 

TransUnion XXXX. XXXX XXXX XX/XX/2025 XXXX. XXXXXXXX XXXX XX/XX/2025 Equifax XXXX. XXXX XXXX XXXX XX/XX/2025 2025
Product: Debt collection

The debt collection company called an ex-distant relative and told them I had a student loan debt in colllections and told them the exact amount.
Product: Debt collection

After discovering this debt with Capital One XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX  score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported me for collection because they are trying to charge me for a device that I sent them XXXX months ago. I called them to solve the problem and they did not want to look for the device with the tracking number I have. Today this account went on my credit report and it is greatly affecting my ability to get credit for my projects. I demand that this account be verified that the device was shipped and that I do not owe XXXX XXXX anything and immediately removed from my report because of the fair credit law that protects me. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ). 

Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a complaint with CFPB against Experian. My complaint is that Experian is reporting a bankruptcy case number XXXX on my credit report. I submitted documentation to them showing them that I had submitted several requests to getting said bankruptcy removed. One of the letters was a letter from Experian ( report number XXXX ) stating that they verified the BK through XXXX XXXX. The second letter was a letter from XXXX XXXX stating that said BK was reported in error and removed from my profile ( XXXX XXXX Report ). And the third letter I submitted was a letter from US BKPT CT IL XXXX Northern Dist - XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, IL XXXX stating that they do not perform any activities with credit bureaus. I am attaching all of this documents to this complaint again. 

My question is how can Experian tell me that they verified a bankruptcy with XXXX XXXX, then tell me after I submitted my complaint that the BK was verified by the US BKPT CT? There is documentation on file that contradicts what Experian is telling me. Who did Experian speak to or what documentation do they have to verify this BK to stay on my file? 

My first complaint that can be used as a reference is CFPB # XXXX. Experian 's response/report number is XXXX. 

This will be my second complaint with CFPB about the same issue and Experian is totally disregarding the facts.
Product: Credit reporting or other personal consumer reports

This account from XXXX XXXX XXXX in the amount of {$18000.00}, does not belong to me and currently is in LITIGATION. " I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact exists ''
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 or other personal consumer reports

I have fraudulent Credit Inquires that is reported on my credit report that don't belong to me. 
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
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  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account NumbeXXXX Account Name : XXXX XXXX  XXXX Account NumbeXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumbeXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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: Money transfer, virtual currency, or money service

Ive had account closed and had no customer service representative to contact I had XXXX dollars in an account
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I dispute inaccurate information on my credit report on XX/XX/year>, Experian has not response back it has been over XXXX days.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect Name - XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reported to the police that my identity was stolen along with reporting to the company that I did not authorize this account but they still continued to apply the negative impact to my credit after receiving an aggressive letter saying that I did authorize the account and it will impact my credit. And I told them you can tell my identity was stolen because the person who did it didnt even spell my name correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help in this matter.
Product: Checking or savings account

Money was taken from my checking account as a preauthorized debit in the amount of XXXX on XX/XX/2022. Money was paid XXXX Services. I did not authorize this transaction. I contacted XXXX XXXX first. XXXX states no payment was made on account in my name for that amount or any amount even close to that. They state I have never even had that high of a balance. The last payment from me on an account owned by me was in the amount of {$15.00} on XX/XX/XXXX. I filed a fraud claim with PNC after speaking with XXXX customer service. I was told by PNC representative that my money would be refunded and in my account by XXXX XXXX. When that day came and went with no refund, I called PNC again. On XX/XX/XXXX, I spoke with XXXX XXXX at XXXX. She said she would look into the matter and call back within two days. I did not hear back from XXXX so I made numerous calls in an attempt to reach her only getting voicemail. XXXX returned my call this morning. I was told fraud claim denied because I have a XXXX account and to take it up with XXXX. Called XXXXXXXX again. There is no such payment on an account i my name. XXXX restated that PNC is responsible for refunding the money
Product: Checking or savings account

Hi, I'm a customer with Citi bank from last 6 years. I've opened a High yield savings account last 3 months back with citi and transferred amounts in XXXX transactions. 
First Transaction - {$10000.00} on XX/XX/year>, Second Transaction - {$5000.00} on XX/XX/year>, Third transaction - {$5000.00} on XX/XX/year>, Fourth Transaction - {$10000.00} on XX/XX/year>. 

Transferred a XXXX of {$30000.00} from the XXXX joint account owned by me and my wife. All these money are from our pay, bonus and some amount is from my brother which is also from his salary. 

Last week I've tried to do ACH transfer of {$10000.00} our chase account and everything was good. 3 days back when I've tried to login with my mobile app and It was showing Connection error. I've tried it from my computer, It's the same thing and I've tried calling customer representative and they redirected me to couple of other numbers. I've spoke with about XXXX customer representatives in last 3 days and everyone is just saying your account is terminated and you wont get any amount from the bank and when I've asked about the reason they are disconnecting the call. We don't have a branch in Arizona to go in person to the bank. These are all our hard earned money saving from so many years to use it for the house down payment. No one from the citi bank is giving information or the correct reason about the issue. Please help me in getting back our hard earned money.
Product: Credit card

They are taking way too much time to resolve this. It's gone way past the time allotted and this is the 2nd letter I received with this same " gee we're so sorry that it's taking so long for us to resolve this '' letter. Contact XXXX XXXX and she will tell you that she told you at the beginning of XXXX XXXX to remove me from the account!!! I am not waiting into XXXX for you to do this. You are stalling and it's not acceptable. This has NOTHING to do with the account I had under my name with you that I chose to close. I closed it for this very reason, you XXXX at getting anything done! Hence the reason you're constantly being sued! I just received another check from a class action settlement on your bank. I've never seen a bank get sued this much! I'm glad I cut my ties with you last XXXX!!! Now it's time for you to resolve this authorized user account issue that you've delayed and delayed on doing so! You're way past the 45 day mark allowed by law, and way past the 60 days you claim you had by law. Please see below for what my intent is. Once I start it I will not settle. Out of all of the creditors that had me added as authorized user they've all been removed from my credit and closed. I had to force one other bank besides you to remove and close the account via complaint on CFPB. They've already done it, you're the straggler and I'm not putting up with it.