23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bank of America allowed someone to fraudulently withdraw via ACH payment refund {$2900.00} on XX/XX/2020 and {$670.00} on XX/XX/2020 from my credit card. I did not authorize this transfer. The amounts were diverted to an unknown bank account. I have attempted to rectify this with 31 phone calls to Bank of America. Bank of America states that someone called in to them in XXXX prior to the transfer, fraudulently claiming to be me, stating my house had burned down and they needed money from the card. This is false and fraudulent activity. On XX/XX/2020 the money was returned to my card and I received notification that the issue was resolved. Then on XX/XX/2020 the amounts were added back on my account. Upon contacting Bank of America I was told that my fraud claim was denied as I had made the bank transfer which I had not. I do not know where to go with this as no one at Bank of America seems to have the desire to assist getting this fraudulent situation resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in early XXXX XXXX. I immediately froze my credit across all three bureaus, followed the guidelines on the FTC, created a fraud alert, and have a police report. In XXXX my reports across all three bureaus were unfrozen without my consent. I was able to refreeze XXXX and setup a pin. As of today, it appears that XXXX has not been unfrozen ( great! ). My complaint is against both XXXX and Equifax. Multiple days so far in XXXX, my credit has been unfrozen at both of these credit unions, without my consent. Despite calling both organizations and discussing this with customer service, I was told there is no way to secure my account. At one point, while talking on the phone with customer service at Equifax, another user called in on another line, and requested my account be unfrozen, and they obliged! I watched on my online account as the indicator noting the freeze had moved between frozen and unfrozen, while I was logged in. The only information needed when a caller calls transunion or equifax is SSN, numeric portion of your address, date of birth, and zip code. All of this information has been compromised for me, so someone continues to call bureaus and easily unfreeze my credit regularly now. Almost immediately after it is unfrozen, I receive hard and soft inquiries for credit unions, banks, cell phone accounts, etc. Is there absolutely nothing I can do to make this all stop? I have absolutely no power to control my credit being frozen, and that is unacceptable. Help!
Product: Student loan

In XXXX of 2025, likely around XX/XX/year>2025, my official education records including academic records, social security number, income information, my parents information, XXXX data, and IRS tax transcripts were illegally accessed and improperly disclosed by the entire XXXX team operated under XXXX XXXX who is not a government employee and unauthorized to see such data. Him and his XXXX team are unauthorized third parties. I discovered this breach in XXXX of 2025, and it alarmed me. Upon detecting irregular activity in my records, and have since received no follow-up communication regarding the incident. 

In light of these violations of FERPA and Title IV, I demand the immediate discharge of all my federal student loans and a comprehensive investigation into this breach.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV.
Product: Checking or savings account

Nothing was done by customer service .and money was there and gone the next day .I believe I did not receive 8 months worth of unemployment total in XXXX dollars
Product: Checking or savings account

I have bene locked out of my Ally bank account at least 8 times over the past 4 months with 3 of the times happing over the past 30 days. It is not human error. In the past then Ally has fixed the issue I am locked out within 24 to 48 hours again. Today they could not even fix it so I can log on at all. I wanted to log on to check all my auto payments so I can migrate them to a new XXXX  account I opened, but I am unable to. Ally said it may be fixed tomorrow and I might have access then.
Product: Credit reporting or other personal consumer reports

XXXX 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. 

XXXXXX/XX/XXXX : # XXXX, XXXXXX/XX/XXXX : # XXXX, XXXX XX/XX/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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

This morning, I was taken aback to find incorrect accounts suddenly showing up on my credit report. I check my report regularly, and everything was in order before, so these discrepancies came out of nowhere. I tried refreshing the page, hoping it might just be a glitch, but the inaccurate accounts were still there. With this issue at hand, Im asking for a detailed review of the documents I've provided so that I wont have to worry about this happening in the future.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

On the XXXX day of XX/XX/2020, I received a notification on my credit score tracker that I was in debt with a company that Ive never heard of. Ive never received a letter, phone call, or any other method of this debt collector company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which contains several negative items that I would like to dispute. Specifically, I have identified several pieces of personal information and credit accounts that are either incorrect, questionable, or fraudulent. 

Firstly, I would like to address an inquiry made by XXXX on XX/XX/XXXX. I have no recollection of authorizing this inquiry and suspect it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, I have identified an account under XXXXXXXX XXXX  with the account number XXXX. I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

Thirdly, there are several pieces of personal information on my credit report that are incorrect. These include the account name XXXX, XXXX, the account name XXXX, XXXX, and the account name XXXX, XXXX, XXXX. None of these names belong to me, and I request that they be deleted immediately from my report. 

In addition, there are two addresses listed on my credit report that are not correct. The first is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, and the second is XXXX XXXX XXXX XXXX XXXX, WI XXXX. Neither of these addresses belong to me, and I request that they be deleted immediately from my report. 

Furthermore, there are two accounts listed under the names XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, respectively. Neither of these accounts belong to me, and I request that they be deleted immediately from my report. 

Lastly, I would like to address two accounts under XXXX XXXXXXXX with account numbers XXXX and XXXX. For the account number XXXX, I request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. For the account number XXXX, I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

I trust that you will investigate these matters thoroughly and take the necessary steps to remove any incorrect or fraudulent information from my credit report. Thank you for your attention to this matter. 

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

Credit Check are reporting Potentially Negative Alerts from Experian credit bureau, where I did check my credit report direct with Experian and does not appear this Negative information with Experian, but this is impacting my credit score with Credit Check. 

1 ) Company XXXX XXXX XXXX Collections Status Date XX/XX/2018 Balance {$30.00} Address XXXX XXXX XXXX XXXX XXXX, IN XXXX 2 ) Company XXXX   XXXX XXXX Payment Status Collections Status Date XX/XX/2018 Balance {$30.00} Address XXXX XXXX XXXX, PA XXXX 3 ) Company XXXX XXXX XXXX Payment Status Collections Status DateXX/XX/XXXX Balance {$29.00} Address XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late.
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. 

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 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: Credit reporting, credit repair services, or other personal consumer reports

I have reached out numerous times regarding these accounts listed on my Credit profile. There are XXXX accounts listed which are invalid. Each time I have submitted a complaint the response says that the debt has been at this time I am strongly considering contacting a lawyer about this issue. There is no reason that TransUnion and XXXX are not checking the actual validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company many times to get this credit reporting corrected. I have noticed their is A company by the name of waypoint resource group reporting that I owe them A balance of XXXX on behalf of XXXX. I have never had XXXX service & I have never done any sort of business with way point resource group. I reached out to the company requested A copy of original contracts showing I entered an agreement with my signature. I have yet to recieve proof of owning this debt. Instead they have been reporting this misinformation for some time of my report. I've also tried reaching out to XXXX who information me because they sold the debt to this company they could not do anything about my concerns. I explained to them this was A fraud account and again I have never had XXXX nor have I entered a legal binding agreement with them nor way point resource group. Still they report this fraudulent account knowing it is misinformation.
Product: Mortgage

My name is XXXX XXXX, I have been unemployed due to being XXXX for over XXXX months and I am not receiving any XXXX income or any income at all for that matter. 
My home at XXXX XXXX XXXX XXXX XXXX, TX XXXX has XXXX mortgages attached to it. The XXXX lien is with BOA and the XXXX is with XXXX XXXX XXXX. My payoff with Bank Of America is {$140000.00}. I have been working with Bank Of America on applying for a Short Sale of my home Bank of America has completed an appraisal on the home which came to {$150000.00}. We have a qualified buyer who has been waiting for over 3 months on the review at a purchase price of {$150000.00}. XXXX XXXX XXXX has approved the short sale payoff of {$2500.00}. I also owe the Home Owners Association around {$1300.00}. With the payoff to BOA of $ XXXX, XXXX payoff of {$2500.00}, HOA, Commissions and closing costs, I am still {$11000.00} short when it comes to the closing table. Bank Of America is saying because the appraised value is more than the payoff, the file does not meet investor guidelines. I feel very upset about this considering the fact that we have been trying so hard to work something out with everyone. BOA even accepted the {$150000.00} offer including paying the closing costs to pay the XXXX lien, HOA, Realtor Commissions on XX/XX/XXXX. Now they are saying that it does not meet investor guidelines. When they accepted the offer, the buyers completed their inspections which was an out of pocket expense they now want reimbursed. In the offer worksheet that BOA accepted, they even agreed to paying {$12000.00} towards the XXXX lien which is more than we were asking for ( {$2500.00} ). This does n't make since why they would accept the offer then say " it does not meet investor guidelines ''. They think because we have an offer at $ XXXX that I can pay the payoff of $ XXXX and bring an additional $ XXXX to closing to pay off all the other expenses, with no regard to my financial hardship or the fact that the home sat active for over XXXX months before we got the offer of $ XXXX. If BOA forecloses on the home, they will spend more money going through the foreclosure, paying attorney fees, losing lending power, paying realtor commissions, paying property preservation services, closing costs etc. I am extremely upset and suffering an enormous amount of stress that it is physically killing me. My family is helping with an attorney that wants to take the case, but I really want to work this out as politely and peaceful as possible. I have attached the documents for your review. Please help me!!
Product: Credit card or prepaid card

I am having trouble getting my fraudulent credit refunds issued to me from Capital One. I filed a fraudulent dispute with Capital One letting them know that someone had stolen my identity and was using my Capital one credit cards fraudulent or without my authorization. However Capital One closed both of the fraudulent credit cards and reported to credit bureaus that I was 60-90 days late, which is also inaccurate. I had given Capital One authorization to ACH Debit from my Centry next Checking account, which Capital One suspended and then reported to credit bureaus that I was late. I will be including that letter withdrawing my accounts from ACH debit from Capital One. I had been working with Capital One fraudulent team on issuing my credits back to me. Capital one supervisor/ fraudulent team, gave me a date that they would be issuing my credit balance back to me, I called and verified on XX/XX/2021, with Capital one supervisor that they would be issuing my checks on XX/XX/2021, I was given a date from their supervisor on XX/XX/2021 that I would receive my money back for the fraudulent transactions. I contacted Capital One on XX/XX/2021 to follow up to make sure Capital one was issuing my refunds that was fraudulent taken from my checking account, I spoke to a fraudulent team supervisor, named XXXX XXXX ; he advised me that they were reversing the fraudulent charges/ credits on the 2 accounts to make me pay for them. This is totally unfair to me as a customer/ human. I dont owe them ; Capital One is not being fair, and feel its okay to do me this way. Someone or company stole my personal information and made purchases on my credit cards, and its not fair for me to pay them. Capital one advertises zero fraud liability on fraudulent charges. I have a police report to corroborate the fraudulent transactions. I am not responsible for the fraudulent transactions and is requesting that Capital One send me my money back that they fraudulent took from my personal checking account. Capital One also closed both of my accounts and still charging me interest on accounts that they personally closed. Capital one needs to be under investigating for unfair practices to their customers.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

My mother opened an account for me with a XXXX XXXX XXXX branch in XXXX in 1975. I found the XXXX XXXX after she died but I can not get any information on what happened to the funds in the account. It was @ {$4500.00}. XXXX XXXX was bought by BB & T. BB & T told me they do not have the account. I tried PA unclaimed property as well as FDIC.
Product: Credit card

XX/XX/year> @ XXXX, I received a letter from Synchrony Bank that they have closed my JCPenney 's account due to " high risk failure to pay ''. I then called Synchrony and asked to speak with management to explain to me where they received this information, and I would like my credit card immediately reinstated. I then XXXX XXXX at Synchrony, who states she can not do this due to my account was closed. I asked to have it re-opened and she can not do this as well, she can only send a letter to corporate, and this will take approximately XXXXdays for a response. To reach Corporate you can only send a Fax # XXXX or letter, as ( they have no phone number )? I asked XXXX where she got her information about me being " high risk '', XXXX said XXXX. XXXX said there was an issue, but she did not know. I expressed to XXXX that this is a lie, and I do not appreciate having my character defamed. I asked XXXX is their fraud on my account. XXXX said no. I asked XXXX are there any outstanding balances that I am unaware of, XXXX said no, you paid you balance on time. I said I will contact XXXX. XXXX XXXX I XXXX XXXXXXXX with XXXX XXXX he stated I have zero derogatory remarks on my credit however my JCPenney Synchrony account is gone! My account is no longer showing on my credit report. XXXX from XXXX is mailing me a letter about this account. XXXX also said I should contact the CFPB and I can report this if I like. XXXX XXXX Contacted Synchrony once more, could not find XXXX XXXX so I XXXX XXXX in management XXXX My account has not been reinstated, XXXX said that can take up to 60 days. I expressed to XXXX to please note that I will be contacting CFPB and if I need to go further the XXXX XXXX XXXX office. That they can not insult and attack someone's character and defame me and ruin my credit going forward if I do not hear back in a timely manner.
Product: Credit reporting

I do n't see the logic behind a credit freeze being offered free of charge with a valid police report but forcing the ID theft victim to mail all the sensitive information. This is punishing ID theft victims instead of those who choose to file the freeze online for {$10.00} with each bureau. 

The credit bureaus seem to be coercing individuals to pay the {$10.00}. Being the victim of a recent identity theft, I feel uncomfortable mailing all sensitive information such as the requested copy of a drivers license and full SSN to have my credit frozen free of charge.
Product: Debt collection

Repeated back to back phone calls on XX/XX/2019- 5 calls in a 20 minute period from Asset Systems. This is while I'm at work.