23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 100 % with the VA my loans should be discharged.
Product: Credit reporting or other personal consumer reports

due to the many lawsuits Experian Transunion and Equifax experiences due to lack of investigations or a lack thereof I feel much safer sending all investigation and audit efforts through the cfpb and please do not send any stall tactics like you usually do this is XXXX XXXX XXXX not a credit repair company, please do the right thing and remove all of these outdated items! check attached paperwork.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account at Citibank with Citibank Personal Banker, XXXX XXXX at the Citibank branch at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
I put {$15000.00} into checking and savings accounts under an offer that was supposed to reward me with 2.5 % cash back on my CITI Master Cardand a {$400.00} additional cash bonus. 
It took several months of complaining/calling to get Citibank to pay me the 2.5 % cash back that was promised. Eventually, they began to pay me this promotional rate along with an extra {$50.00} ( posted on XX/XX/XXXX ) for the inconvenience I was put through. 
On XX/XX/XXXX, I sent XXXX XXXX an e-mail asking about the {$400.00} additional cash bonus. She never responded. 
Because of the Covid lockdown and my aversion to leave home, it wasnt until XX/XX/XXXX that I went back to the Citibank branch. On that day, I met with XXXX XXXX. XXXX XXXX reviewed the offer and my account and said that I should have received the funds. XXXX XXXX said that he would forward an inquiry for review and correction of the matter. I have attached a copy of what he wrote on that day. 
On XX/XX/XXXX, I went back to the Citibank branch and met with XXXX XXXX. XXXX XXXX told me that XXXX XXXX had never submitted an inquiry, but that he would do so. I asked him to put that in writing, but he refused to do so. I asked to speak with the branch manager, but I was told that he was on vacation until sometime in XX/XX/XXXX. 
I opened an account at Citibank on XX/XX/XXXX under a rather straightforward offer that was supposed to reward me with a {$400.00} additional cash bonus. No matter who I speak with at Citibanknothing ever happens. 
Why is Citibank allowed to do this?
Product: Mortgage

Initially reached out on XX/XX/XXXX to have the PMI removed. 

The mortgage is currently at {$260000.00}. 

The property on XXXX is at {$330000.00}. 

This puts me well above the 20 % requirement. At the time XX/XX/XXXX the property was actually worth more. Additionally homes in the neighborhood have gone XXXX % above XXXXXXXX XXXX top line. 

Reached back out today XX/XX/XXXX and they are restarting the process again.
Product: Mortgage

Specialized Loan Services acquired my loan from XXXX XXXX XXXX XXXX. 
XX/XX/XXXX I received a letter informing me that an escrow account has been established and a hazard insurance policy provided. I called SLS and gave them details of my existing hazard insurance policy and asked XXXX XXXX to send proof of insurance. SLS confirmed receipt of hazard insurance documents, cancelled the escrow account and issued a statement showing a credit for all escrow charges. However, when I reviewed my bank statement XX/XX/XXXX, I observed payments to SLS exceeded normal amounts that are automatic each month. After several calls to SLS, I was eventually told " a payment for hazard insurance was made to XXXX XXXX '' and the escrow account has been reestablished. When asked who requested or authorized the payment to XXXX XXXX, I was always referred to someone else. Attempts to reach XXXX XXXX, the account representative for XXXX XXXX have been without success. SLS continues to request monthly ACH payments from my bank account that include amounts for escrow. XXXX of SLS executive office was contacted and she insisted that the escrow account can not be discontinued although I explained and offered proof that I had already paid XXXX for hazard insurance and was never delinquent or tardy with payments of any sort. Telling her I will seek legal advice on the matter did not change anything. In fact she said I can go right ahead. My wife who was never involved with this issue received an email from XXXX XXXX saying a refund check was issued for hazard insurance. However, that check was never received.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with an incorrect account listed on my credit report. This issue has harmed my reputation, and I need your support to address it. I have asked for these incorrect accounts to be deleted.
Product: Credit reporting or other personal consumer reports

All of the credit inquiries attached to my XXXX  and equifax credit scores are inquiries from sources unbeknownst to me. I am requesting an immediate removal of said inquiries from my credit.
Product: Vehicle loan or lease

I purchased the car XX/XX/XXXX and at the time of purchase was sold a XXXX XXXX  lease vehicle protection plan for {$1200.00}. The dealer said that this would cover all wear and tear on the car including window repair, nicks, door dings and tire replacement. My last service was XX/XX/XXXX and I was told that a tire needed to be replaced as it was not repairable and they wanted to charge me for a new one and made no effort to contact XXXX, I declined. I turned my car back in to the dealership XX/XX/XXXX after paying my final lease payment. I spoke with multiple members of the XXXX XXXX " XXXX '' team in the weeks leading up to surrendering the vehicle. On every occasion I asked if I needed to get the tires replaced and was advised that I did not they were covered by the XXXX protection plan. The car was XXXX below miles, had no dings, scratches or wear and tear. I received my " final '' bill for the disposition fee of {$390.00} which I promptly paid. Now a month later they are calling multiple times a week during my work hours saying that I owe for a tire repair for a bill I never received and for a service that the dealer, the allegiance team and XXXX all told me was covered multiple times before I surrendered the car. They have not stopped harassing me and have cost me several hours of time.
Product: Credit card or prepaid card

Been getting more calls and letters from Credit card companies and/or their lawyer that I never had credit with clamming that I owe them {$3000.00} to {$7000.00} for monies transfered to a discover bank account that I do not have,,,,, This XXXX have been going on for over 6 yeas now!!!! When I called Discover they would just say computer error or hacker " we take care of ''. They have total recked my credit. I can not refinance my home, MY home owners insurance and car insurance is higher, They have coat me over {$50000.00} not counting the money they had transfered to their fake accounts!!!!! 
iI never had a XXXX or a XXXX XXXX  or more then 6 other that Discover Bank took money from!!!!
Product: Payday loan, title loan, or personal loan

On XXXX I was given a loan in the amount of {$3700.00} by Omni Financial, I had made several payments since the start of the loan and called to see what my current balance was only to hear that it was still {$3000.00} and change. I asked if there was a way to pay more monthly and was told that the allotment amount couldn't be changed. I was told I had to set up an allotment and have the monthly payment come out of my check every month as the only way to pay back the loan. I came across the Military Lending Act which states " No mandatory allotments. A creditor cant require you to create a voluntary military allotment in order to get the loan. An allotment is an automatic amount of money taken from your paycheck to pay back your loan. '' I believe Omni Financial has violated this act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

XXXX THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a XXXX 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

This is the account I have marked as inaccurate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against XXXX, XXXX, and Experian due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, XXXX, XXXX, and Experian failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. My credit has been lowered so many different times this year and has had so much negative impact due to false debt or wrong debt and ive disputed countless of times and talked to every company and nothing changes. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements Regulation E. I have been harrassed and threatened several times a day. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never was late on payment to XXXX. XXXX   was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX   submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX office twice after move out. This is clearly retaliation by XXXX b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. XXXX  XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to XXXX  & unable to reach rep at XXXX & XXXX. I was unable to submit w/XXXX rep & need resubmitted w/Transuion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX  Bankruptcy Reference # XXXX Asset Amount : {$0.00}, XXXX XXXX Date Opened XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I paid a bill on the XXXX XXXX XXXX website as they use this service to pay medical bills. XXXX took the money out of my Chase Bank Account and never paid the provider. They only recently notified me that XXXX was not set up for automatic payments so they claim they sent a paper check, but no paper check was received either. My account at XXXX was never credited and they have still not received payment, I am demanding the return of my money from XXXX. I NOTIFIED CHASE BANK, XXXX XXXX XXXX AND NOW THE CFPB OF THIS SCAM,. 


Transaction details Close transaction details ACH debit - {$25.00} Transaction date XX/XX/2023 Posted date XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

my identity was stolen in XXXX and several accounts have been opened using fraudulent addresses here are some of the addresses XXXX XXXX XXXX XXXX nc XXXX ... XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX .... I have been / mailing this company since XX/XX/XXXX trying to get this taken care of and telling them this account was fraudulent that have continued to report these accounts even after knowing they were from fraud accounts are XXXX / XXXX from diversified consultant
Product: Debt collection

XXXX XXXX XXXX located in XXXX XXXX has contacted me regarding a debt. Initially I thought the call was a scam trying to get money from me. This happened around XX/XX/year>, XXXX comes around and I get a notification from XXXX XXXX I have a collection. I reach out to XXXX for more information. I was able to gather details about the debt that occurred from a credit card I have never had, that was used at location have never been. I asked why nothing was sent to my house in the mail about this. Its because they have my address in XXXX XXXX where I have never lived. I told them this was not me and they recommend I file a police report. So I did. I called XXXX XXXX XXXX to send the police report and then have called them multiple times to get a response from the XXXX XXXX. I believe there are purposely dragging their feet to cause me more financial harm so I would give up and pay the debt. This is called extortion. The public needs to be protected by business taking advantage of victims.
Product: Credit reporting or other personal consumer reports

My file keeps showing over time FCRA violations ; Late Payments : 15 USC 1681 a2Xi 15 USC 1681 Permissible Purpose 15 USC 1681b Reinsertion Deleted Items 15 USC 1681i5b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report 1. XXXX XXXX XXXX  ; {$9300.00} ; Acct XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$28000.00} DEPT OF XXXX / XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX  XXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have sent letters to Equifax to remove the following from from my consumer report because they are not my accounts and considered to be fraud : XXXX XXXX {$6900.00} XXXX XXXX {$4600.00} XXXX XXXX 's {$420.00} XXXX Pursuant to U.S.C 15 1681a ( 3 ) Equifax assume the role to report these accounts on my consumer report and I was not contacted to report the above accounts. I did not give Equifax the permission or consent to report the accounts on my consumer report. 

Pursuant to U.S.C 15 1681a ( 4 ) There is a need that consumer reporting agencies exercise their grave responsibility of fairness, impartiality and respect for the consumer 's right to privacy.

Pursuant to U.S.C 15 1681b ( 2 ) I never instructed Equifax to create this report and I never consented to this report initially. The idea of listing the accounts without my knowledge and consent is against the law and is a violation to my consumer rights.
Product: Money transfer, virtual currency, or money service

I made an XXXX transaction selling a XXXX XXXX XXXX, and was paid via XXXX ; I then deposited said money to what I believed to be my current bank. However it was instantly deposited to my Huntington Bank debit card that has not been functioning since XXXX. Huntington closed the account because of a {$35.00} overdraft fee. After the mistaken deposit, I attempted to withdraw the money back and was denied ; being told to resolve the issues with the bank. 


My query is how I was able to have money taken from me, but not being able to have it given back. I first attempted to contact XXXX in order to revert the process, only to be informed that they can not ; due to the transaction being confirmed accordingly on their end. 

So finally I repeatedly contacted Huntington XXXX XXXX, as well as a visit to my local branch, a meeting with the manage of said branch, and an HR personnel. Only to be told that they can not find my money. I then referenced the card number, and they found the money. They then referenced my {$35.00} overdraft fee, which i immediately said I would pay. They said they would not accept a cash payment and had to process it through their system, then after XXXX business days I would have a check in my mailbox. I just received XXXX more phone calls today, restating the initial statement they gave me, that they don't know where my money is, until i reference the card. Only to be they don't know how they could receive funds to a closed account. 

This repeated and near scripted response has me considering they may be actively participating in fraudulent activity. Especially after my repeated attempts through the proper channels, and waiting for the due process to be completed twice over. 

Huntington has all of our recorded in their user database, but were diligent enough to not send any emails with sensitive information. However I do have emails from XXXX XXXX. 

I sincerely require help in this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are reporting a Bankruptcy on my credit file that is really old and past the credit reporting limit. Bankruptcy # XXXX. 

This account should no longer be on my credit and request the bureaus to remove it.
Product: Credit reporting or other personal consumer reports

Billing error 15 USC 1666b 16 car 433.1 and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that XXXX XXXX has not credited my account with dividends derived from treasury coupons via the XXXX Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 
XXXX Forms : Additionally, Bank of America has failed to provide me with all copies of Form XXXX for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. 
Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. 
Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. XXXX XXXXXXXX XXXX  HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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