23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have previously contacted XXXX, Experian, and XXXX   informing the company that I have been a victim of identity theft/fraud. XXXX, Experian, and XXXX  is deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, Experian, and XXXX to follow the law, they clearly feel as though the law does not apply to them.
Product: Debt collection

XXXX called relatives phone at approximately XXXX XXXX twice and stated they were Process servers for NC and VA.XXXX  called and stated they were with the IRS and they had a file on me.
Product: Credit card or prepaid card

I have been in a constant battle with my bank Wells Fargo on a credit for charges I did not do for XXXX. They came with the conclusion that I did the transactions because I had the credit card with me.It is not possible for me to be at home and go swipe my credit card mindlessly at two stores.i wouldnt be pushing the issue I had made those transactions but I did not.I will not be paying for something I did not spend I won't catering to thiefs
Product: Debt collection

ProCollect wa s enlisted to collect on a debt from  XXXX   XXXX   XXXX   XXXX  - the initial bill from the service provider was never received.  ProCollect  sent several requests for payment during our Ch.  XXXX  bankruptcy, which was successfully discharged in  XXXX   2014 . Since that time,  ProCollect has placed the invalid debt on my credit profile several times. I have requested ProCollect to provide the original invoice from the service provider. To date, they have not responded. Instead, they again added the debt to my credit profile, without providing the proof of validation. I received a phone call from someone in their office who was rude, argumentative, and ignorant. I do not appreciate harassing phone calls. Debt validation is standard practice for firms operating with integrity. ProCollect is not one of those firms.
Product: Debt collection

This attorney XXXX XXXX has bullied us that if we do not enter into an agreement with him for three times what the bank wanted in XXXX, so XXXX, for a debt of a third party, that he is going to sell my mother 's primary residence to investors for XXXX. Her property is worth XXXX and your loan was XXXX. so is the XXXX tip for Mr cooper or who, Besides this attorney sent us a letter and came face to face to us without disclosing that he is a debt collector and any information will be used to collect The issue is the debt is of a third person and his judgment is over 4 years old and for another person not in the title of my mom 's home.

Is uncolllectable and the tactics to recover form ore that the face value of the initial debt in XXXX is against fDCPA as abuse and more abusinve to charge her for the debt of another apparently Mr Cooper already made a " deal " with the revoked trust account by the state of Nm for not making annual reports, and saids has crafted a title but we did not get to see Because you hired him and he speaks for you mr cooper si responsible of the FDCPA tactics this person used.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Original Creditor Account # XXXX, Original Creditor Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have attempted on two separate occasions to obtain what LexisNexis calls a " Consumer Disclosure Report '' and the process is inadequate to provide timely information to any consumer who is forced to use their services. 
The process to obtain a report is as follows : Fill out their online form and then be directed to a page that displays the following : Acknowledgment Message Your order has been received. You will receive a message via US Mail within the timeframe allowed by law. We will verify the information you provided with information in our records. We may not be able to comply with your request if we are unable to confirm your identity or to connect the information you submit in your request with personal information in our possession. 

I have submitted the same exact information to XXXX, XXXX XXXX, XXXX and XXXX to verify my identity online and make any changes to my credit information and verify my credit report. If LexisNexis is not capable of utilizing the available technology the other credit reporting agencies have been using for the last 5 years, then the ability to opt out of their services should be an available option for consumers. on XX/XX/year>, I filled out the information providing my Social Security Number and my Drivers license number along with my address and today, I received mail ( at my address ) indicating LexisNexis is unable to process my request. My address is obviously correct as they mailed me the letter. I am using the same Social Security number and driver 's license number that I use with the other credit reporting agencies where I have been able to receive my credit report. 
LexisNexis is using terms which are not clear and do not align with the terminology used by the other credit reporting agencies. This is causing confusion to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to validate XXXX XXXX account reporting as derogatory. Transunion nor XXXX XXXX  has not been able to furnish a signed contract validating the debt obligation after multiple dispute attempts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ActThe list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX  # XXXX, XXXX # XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A .States I have the right to privacy.15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions15 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 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

Account : Professional Debt Mediation Account # XXXX Amount {$5500.00} This account has been paid to the original creditor. The collection agency above has now reopened the account and named themselves the original creditor. XXXX XXXX has noted that the account has been closed then reopened and have advised me to dispute. This makes the reported information untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, according to their own research, allowed the unauthorized access to my personal credit data to occur from mid-XXXX through XXXX XXXX. 

The information disclosed included all or some of the following : my name, Social Security number, birth date, addresses, drivers license number, credit card numbers, and dispute documents including personally identifiable information. 

Criminals now have access to all information required to establish credit under my identity. As the information disclosed is in digital form, it is trivial to share and re-share my personal information. 

Equifax 's failure to meet their fiduciary duty to protect my information exposes me to a lifetime of elevated identity theft risk.
Product: Credit reporting or other personal consumer reports

I was alerted during the month of XXXX ( XXXX  ), saying my information was being shared or exposed but when I tried to contact the company, nothing was as resolved. Now my payments are not being processed and I have charges that I do not recall on my account. Because of this my Credit Score has been deducted and I am extremely unhappy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters disputing accounts on my credit report, but I did not receive any response or results. Please take action immediately!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Money transfer, virtual currency, or money service

Dear CFBP, I would like to file a complaint against XXXX ( Circle Internet Financial Inc. ) I have transferred USD to my XXXX account, and unfortunately, I have misspelled a letter in the reference code. Therefore, XXXX has reverted my USD transfer, causing me almost three times more transaction fees. 

After six days, I started to follow up on my payment, and then it turned out that the transaction fee for my initial payment from XXXX to US was approximately {$65.00}, the fee for the reverse transfer from US to XXXX was approximately {$35.00}, and the fee for retransferring from XXXX to US was {$65.00}. Therefore, the cost of the transfer was about {$160.00} instead of {$65.00}. 

Please let me know where can I file my complaint in order to get a refund or compensation. 

I look forward to receiving your answer soon. 

Best regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm writing to express my extreme dissatisfaction with a recent unauthorized payment from XXXX of my linked accounts. Due to a technical issue on XXXX  's platform, I was unable to select the desired account for payment. XXXX automatically selected a different account, resulting in a {$30.00} overdraft fee. I contacted customer service, but they refused to reimburse me. This is unacceptable. XXXXXXXX XXXX system malfunction caused this issue, and I expect Venmo to take responsibility and reimburse the overdraft fee
Product: Credit card or prepaid card

On XX/XX/XXXX, around XXXX, it took me almost one hour to try to close a credit card that doesnt work for me. 

Its a US Bank XXXX XXXX XXXX XXXX XXXX 

I apply under a company that me and my ex husband have, after divorce, We do business under that companys name separately. I apply that business card with my own name, address and social security number. Got approved, they mailed me the card, after activated, I used it in a apple store purchase but got declined, so I decided to close that card. But the company asked all kinds of irrelevant private questions and after they have no questions to ask, they tell me, no, we can not close your account. 

What even worse is they called my ex husband in bad purposes. Even that doesnt work. 
This company is not only unprofessional, also mean and dark in the heart.
Product: Payday loan, title loan, personal loan, or advance loan

Company prints statement on the XXXX of each month. Statement is always mailed late so it not received until usually the XXXX of the month. This pattern has happened every month since I took out the loan. Due date is the XXXX of the month, and if the payment is not received on the due date, you receive automated calls stating to call them, customer service then says your payment is late. Further they say they can not control the mail, but don't worry your still in the grace period. Common sense says it is not the post office it is your mailroom operation, mail the statement on time. I have complained every month, they say they filed a complaint form, but no one calls back, you only talk to customer service clerks! 
I am not late ; Service Finance is always late!
Product: Credit reporting or other personal consumer reports

I did an investigation into my credit and was incredibly angered at what I saw. There is inaccurate and ill-found information that is being reported on my report. I am seeing that this false reporting is due to the fact that the agency was not XXXX XXXX percent confident that the information they were reporting was correct. As well the inaccuracies with my name are causing verification issues and affecting my ability to get credit.
Product: Credit reporting or other personal consumer reports

An inquiry from XXXX XXXX XXXX XXXX is on my report. They pulled my report on XX/XX/year>. I did not submit or authorize the application. I would like the inquiry removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ARC Management Group , LLC Tried collecting a debt that was considered closed but they are a different company trying to collect on a debt Closed
Product: Credit reporting or other personal consumer reports

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization nor have I applied to them, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion,XX/XX/XXXX, XXXX All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.
Product: Credit reporting or other personal consumer reports

I went in the office at XXXX & XXXX XXXX to get my emerald advance loan my loan was denied because of high inquiries from Experian credit union I have failed taxes at hr block for the past 16 year and my loan was denied and my birthday and social security number doesn't match with Experian when I tried to get in touch with them
Product: Money transfer, virtual currency, or money service

I was in an accident and was rewarded money from it. I called truist to let them know that I wanted a wire transfer to a car dealership. They said that I could. But instead of them wire transfer into the the car dealership, Truist sent them a check DURING THE MIDDLE OF A HOLIDAY! 
I was in need of a car since I did not have one, so I called them to get things straightened out. I was then told that I could not wire transfer unless I was in a physical location. I couldnt because I was in a different state. Well, I decided to wait for the dealership to receive the check. They havent yet received the check! Now Truist wants me to PAY THEM ( TRUIST ) for canceling the check. Im not paying out of pocket for something I did not do. I was once again told that I could wire transfer and after a few days I called back to do a wire transfer and said ONCE AGAIN that I could not do one. The check was sent out on the XXXX of XXXX and was to arrive XXXX. Its now the XXXX and I have no car and no way to work.
Product: Mortgage

OCWEN Loan Servicing has marked my account as well as my wife 's account with all XXXX credit bureaus as a foreclosure. The house legally was sold to XXXX & XXXX by me and my wife XXXX through a professional licensed Realtor. The mortgage was paid in full at the time of closing. The account should just show as a normal account paid in full and closed. This derogatory condition on the account is preventing my wife and I from seeking a fair car loan. I filed a complaint with OCWEN almost 20 days ago at which time they told me I would hear something back from them within 10 days. 
Property description below. 
*Legal Description : XXXX *Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2025 I sent a letter regarding inaccurate and unknown accounts on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my expense, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refer to the attached XXXX  Credit report file number XXXX dated XX/XX/XXXX specifically page 41, CHAPTER XXXX  BANKRUPTCY DISMISSED as clouded. See Attachment 01.

As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
Product: Checking or savings account

I made a deposit on the ATM machine of Chase. I deposited XXXX XXXXThe ATM was broken without any notice and just showed theres something wrong and just took the money without putting it in my account. I called the bank and after the investment they just give me XXXX XXXX  back. I called the bank again and they just said the XXXX XXXX  are missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.