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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Unauthorized XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry TEXAS XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

Under 15 U.S.C. 1681 XXXX account # XXXX XXXX XXXX XX/XX/XXXX {$470.00} # XXXXXXXX XXXX XXXX XXXXXXXX account was closed in XXXX {$7800.00} # XXXX XXXX  account closed XXXX {$10000.00} # XXXX XXXX & XXXX account closed XXXX {$110.00} # XXXXXXXX XXXX XXXX XXXXXXXX inaccurate falsely reporting claims {$9300.00} # XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX inaccurate information # XXXX The XXXX XXXX XXXX {$89.00} XX/XX/XXXX inaccurate information # XXXX XXXX XXXX XX/XX/XXXX closed account # XXXX XXXX XXXX XXXXXX/XX/XXXX closed account # XXXXXXXX XXXX XXXXXX/XX/XXXX inaccurate information # XXXX XXXX inaccurate {$9700.00} # XXXX XXXX inaccurate {$7300.00} # XXXX XXXX inaccurate {$4700.00} # XXXX XXXX inaccurate {$3500.00} # XXXX XXXX inaccurate {$3300.00} # XXXX XXXX inaccurate {$3100.00} # XXXX XXXX inaccurate {$2900.00} # XXXX XXXX inaccurate {$2600.00} These XXXX accounts have all violated my rights. 
15 U.S.C. 1681 section 602A. 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any items of information or any 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 or other personal consumer reports

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 I want reported accounts to be removed XXXX XXXX XXXX XXXX Last reported XX/XX/2025 {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor And XXXX XXXX  XXXX XXXX Last reported XX/XX/2025 {$260.00} Open balance XXXX XXXX  XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to try and help my mom get a car and the people at the car lot told me that I could not cosign because of my credit I went home to see what they was talking about and there some stuff on there not mine can yall please remove XXXX XXXX XXXX  and XXXX. I am doing this on my own behalf and I contacted the FTC and my local police,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states consumers agency can not furnish a account without my written instruction
Product: Student loan

I was talking with my student loan provider, XXXX XXXX and they suggested that I call you to report XXXX XXXX due to the fact that they charged me {$1300.00} to consolidate the loan where it could have been accomplished free. 

They set me with XXXX XXXX for the loan consolidation fee of {$1300.00}. Additionally, I am charged 21 % interest. 

I was initially contacted by XXXX XXXX via phone to refinance and to consolidate my student loan. 

At no time, did they tell me that I could go directly to XXXX XXXX and re finance for free. 

XXXX XXXX was outraged this happened and suggested I report is to prevent this happening to future unsuspecting victims.
Product: Credit card

I submitted debt validation requests to Capital One for accounts ending in XXXX and XXXX, requesting a signed contract or original application records proving my liability. Instead of providing proper validation, Capital One responded with only account statements, which do not meet legal validation requirements under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, Capital One continued to report the accounts negatively to the credit bureaus, significantly damaging my credit. 

Additionally, after disputing these accounts, Capital One abruptly closed them and reported them as past due, citing " unusual activity. '' At the same time, Capital One also closed a third account ( ending in XXXX ), which had not yet been formally disputed, and reported it negatively. This raises concerns about whether Capital One closed and reported these accounts in retaliation for my dispute, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

On XX/XX/year>, I sent a Final Demand Letter via Certified Mail, giving Capital One 10 business days to either provide proper validation or remove the negative reporting. Their response was inadequate, consisting only of resending past statements. To date, they have failed to provide legally sufficient documentation supporting these debts. 

I request that Capital One cease negative reporting on these accounts until proper validation is provided, remove any unverifiable information from my credit reports, and provide legally sufficient documentation proving my contractual obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a collection account in the amount of {$1500.00} with XXXX XXXX XXXX XXXX on my credit report. This is not my account. I have disputed this debt several times with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXXXXXX  You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Cloarly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX account number *** XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Department of Education account number XXXX has violated my rights. 
XXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX  account number XXXX has violated my rights. 

15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A 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 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 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. 
15 U.S. Code 1681s2 ( E ) ( i ) ( I ) ( II ) States I have the right to ask that a financial institution remove a default from my consumer report if the financial institution offers a rehabilitation program which requires me to make consecutive payments in a renewed and willingness ability to pay. Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.
Product: Credit reporting or other personal consumer reports

I called and requested information on how that account belongs to me. I have yet to recieve any documents from the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX. 
ALIAS : XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- Experian continues reporting 30 days late for XX/XX/2016. 
A ) Attachment XXXX shows due date as the XXXX. 
B ) Attachment XXXX is the bank statement showing timely payment on XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I applied for a auto loan at Bank Of America for a XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX for amount of {$95000.00} I was going to finance that car I established to them I was doing a consumer credit transaction extending credit to myself of the unlimited credit I have and that I was aware that Im the original creditor. I established with them that by law they had to approve me automatically for that transaction since I was giving them my information and my Social Security Number. On XX/XX/XXXX I received a letter from them they said they denied me for that loan because they were unable to extend me credit the reasons was because I had limited credit experience, delinquent past or present credit obligations with others and length of employment and etc.I established with them that those were a factor I stated 15 U.S. Code 1611 they were Advertising and Relaying false information, they misleading denial of my own credit Im extending credit to my self and 15 U.S. Code 1611- My entire Consumer Transaction is Predicated on My Unlimited credit
Product: Credit card

On the day of XXXX XXXX a credit transaction was made for an auto loan where as the beneficiary didnt receive any benefits from the transaction and the account was unlawfully closed of denial.
Product: Mortgage

I have been trying to refinance my home with the same bank where we currently have our mortgage for over 10 months. 

We have a loan to value of 29 % -- i.e. we have paid off 71 % or our mortgage on our home we are trying to refi, with this same bank. 

This delay has put a hardship on my family because we are refinancing to have a materially lower house payment. 

During this time, the mortgage company was very unclear as to who the borrower of record was, either just me, or me and my husband. 
They have even changed the borrower of record throughout the course of this ten month process - I have email correspondence detailing this lack of clarity on such a basic, important fact.

I have had to unfreeze my credit at least 4 different times, they have added additional requirements that ended up taking months, forced us to resubmit pay stubs at least 3-4 times now, full tax returns for SEVERAL years, etc.

We still are not through this simple refinance, that actually LOWERS our payment. 

They have also not honored the rate lock I made last XXXX upon INITIALLY calling the bank to refi. It was ZERO origination and ZERO interest, 2.875 %. 
I corrected them on this, and they have forgotten in all of their disorganization and are telling me I owe origination. I should have gotten all my voice conversations documented on email vs trusting them. 

They have also forgotten several times that we handle our own escrow. I have communicated this, and our current mortgage is handled this way. 

I have had it -- no consumer should have to put up with this.
Product: Credit reporting or other personal consumer reports

My identity was compromised and used to obtain credit without my permission. Kindly to investigate and delete this fraudulent collection off my credit report. 
This account is attached with a fraudulent address not belonging to me. My signature is also not present nor any legal document, kindly investigate this. 

XXXX XXXX XXXX XXXX
Product: Debt collection

My bankruptcy was discharged in 2014. The lender of the loan in question ( Santander ) was also listed in the bankruptcy and the loan was discharged. The original lender ( XXXX ) was bought by Santander bank. Apparently, Santander is assigning loans and has started sending bills for this very same discharged loan. I also just found out that Santander has managed to add a " delinquency '' on my credit report which is of course affecting my credit score. I suppose to benefit them in some way, the entry on my credit report goes back to right before I filed for bankruptcy. My thinking is they did so to make it look like it wasn't added to the bankruptcy. Yet again, I have never had an account directly with this bank. They have essentially fabricated a new account in my name, and established their own line of delinquency, so they can attempt to collect the debt that has already been discharged.
Product: Credit reporting or other personal consumer reports

I'm writing to take a gander at my titanic concern concerning the attempted records recorded on my credit report. I have truly drawn these mistakes out from the shadows and have essentially on different events suggested an exhaustive evaluation. At any rate, paying little brain to what my expected endeavors, I very can't get any goal or restorative activity. 

These stirred up records are truly influencing my credit report and are essentially obliterating my capacity to have a standard presence. The confining consequence of these mistakes has caused beast inconveniences for me, and I'm left with no decision near look for your nearby help with surveying what's happening. 

I thoughtfully demand that you lead an exhaustive evaluation concerning the choosing of these attempted records. It is key that the major advances are taken to restore and change my credit report immediately. With your assistance, I truly need to reestablish the precision and uprightness of my credit record, permitting me to recover command over my cash related achievement. 

I truly demand that you propose this matter your generally ludicrous idea and make a rapid move. Your joint exertion and moving in settling this issue rapidly would be enormously colossal. 

Much appreciation to you without a second thought for your appreciation and help.
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 Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX 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

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. 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

XXXX/FORTIVA is reporting negative information to XXXX and XXXX when XXXX account XXXX closed without a past due amount.
Product: Credit card

CITI bank closed by all my credit cards and confiscated Thank You Points, which is the currency of the credit rewards. No notice was given, even no reason was given. When I called, they are not willing to discuss on the phone and let me contact them in writing, so I did. but no reply was received. So I made a call again to their so-called executive office. This makes me feel even worse, the woman on the phone was not only unwilling to help me find a solution but also asserted they can close my account for whatever reason at anytime. that 's the exactly words she said. I am pretty sure they can find the recordings. Is that even legal for her to say that? As far as I know the closure of credit is the process of reversal of credit, so it should be protected by the federal Equal Credit Opportunity Act. The letter only mention that the choose to close my account, no reason was given. During the phone call, I asked if my account is closed due to discrimination. The woman never says anything more than that they can close my account for whatever reason. My account was closed after I moved to a XXXX community ; before my account was closed I 've been a customer with citi bank for almost 2 years. No spending pattern was changed, FICO score keeping around XXXX, never miss a payment. However all of a sudden, my account was closed after I moved to a new community where the majority residence are haspaic for several months. I can not say the two events happened sequentially would make them the cause and effect, however their unwilling to include the reason neither on the phone nor in writing makes me believe that my account was closed based on the fact I lived in a XXXX community. At least I can say their action is constriction of discrimination. Their claim of whatever reason do include the discrimination and they are unwilling to explain the real reason makes me feel discriminated. And their rude phone rep made me feel much worse. As an XXXX, which is also minority in the US, we are considered to be unprofitable group to the banks, because we always pay credit bill on time, use credit card wisely. I have the reason to believe my account closure might have something to do with the fact that I am an XXXX. 
The even worse part is they also confiscated all of my Thank You Points ( around XXXX points ). As far as I know the points are rebates from the purchase I made, it definitively have the cash value. Citi bank would send tax forms after customers receive Thank You Points ( TYP ) as the checking opening bonus. The TYP from credit cards and checking account can be combined and used together. This also approve the face TYP has cash values. The bank can not confiscate cash as far as I know. I request citi bank to give me cash value as they stated on the tax forms they send out or reinstate my account and the TYPs. I hope they can also give an clear and legitimate reason for the closure. Also I need an apology from the rude woman form the so-called executive unit. 
One of my closed credit account number is XXXX, I think this is more than enough for them to locate my case.
Product: Mortgage

I paid my mortgage to Wachovia Bank. Almost every money I earned went toward this mortgage. The bank collected my mortgage for years. was told, XXXX XXXX handled the books for the bank. XXXX XXXX would send me notices also about my account. I was also sending them money also. No one let me know that XXXX XXXX was no longer part of Wachovia Bank. I was paying XXXX mortgages and did n't know it. The bank should have let me know if they had made changes with XXXX XXXX. Between Wachovia Bank and XXXX XXXX I paid XXXX notes for years and still lose my home. Wachovia Bank should have let me know if XXXX XXXX was no longer part of the bank. XXXX XXXX notices still had Wachovia Bank name on their letter heads.
Product: Credit card

My recent statement for my XXXX XXXX rewards card account cycled and it is still reflecting the APR interest of 30.24 % which is the same prior to the Federal Reserve interest rate decrease and it should be reflecting 29.74 % instead therefore I am being overcharged
Product: Debt collection

I've been trying to have a closed/ charged off auto loan removed from my credit profile. I have contacted the credit agency and also sent out a 609 letter to verify that the account is indeed mine. I haven't heard anything.