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

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has XXXX, ACC # XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Balance of {$19000.00}, and Equifax is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX CO on XX/XX/XXXX under the account number XXXX, an auto loan account opened at I XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

A company named Portfolio Recovery Associates has been harassing me with excessive phone calls for the past month. They spoof phone numbers similar to mine and will not stop calling and harassing me. I do not have any debt sent to collections and closely monitor my credit. I have asked them to stop calling and they continue to harass me.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Checking or savings account

I have been trying to get my money out of my truist savings accounts for 3 months and each time they give me a deadline to when they are going to resolve my issue it always gets pushed back and I'm getting no where. XXXX in XXXX of 2024 they had me step into branch by saying if I go in I can withdraw my money from the account they closed without informing me which I still have XXXX sitting in there that I can't access. On the XXXX of XXXX I was told it would be fixed by the XXXX and it wasn't then I was told on the XXXX that it would be fixed and the funds released to me by the XXXX and it still wasn't.
Product: Credit reporting or other personal consumer reports

Aqua Finance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX Attn : XXXX XXXX- CFO The claim stated within this letter that Aqua Finance violated the privacy rights of XXXX. 

XXXX under 5 U.S.C. Section 552 ( a ) [ The Privacy Act of 1974 ] which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior consent of the individual to whom the record pertains and this agency had obligations with respect to protect that information under 15 U.S.C. section 6802 which states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. See Section 15 U.S.C. Section 6802 ( a ) and ( b ) ( 1 ) ( A ). This XXXX day of XXXX the year of our Lord XXXX DEMANDS that all information pertaining to XXXX XXXX /Account number XXXX be removed from all public bureaus or credit reporting institutions to include XXXX XXXX XXXX XXXX XXXX XXXX and not to exclude XXXX XXXX XXXX XXXX or XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent a deposit of {$200.00} to Discover to open a new secured credit account. The information on the Discover website stated that as long as I made on time payments I would receive my deposit back, and graduate to a regular Discover card. On XX/XX/XXXX, I received my Discover card, and activated it. I have continued to bay off the balance, and currently carry a {$0.00} balance. In XX/XX/XXXX, I contacted customer service to ask about when I can expect to receive my deposit. I was told that Discover reviews accounts after 7 months. No further help was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 I got my monthly bill from my Citibank credit card and it included fraudulent charges. The fraud was clear : dozens of charges from {$5.00} to {$25.00} for rides on XXXX in XXXX XXXX over several days in XX/XX/2016. I'm a XXXX XXXX and I was XXXX XXXX in XX/XX/2016 in the USA. I immediately called Citi. The person I talked to on the phone was told me that the charges were clearly fraud and that I should pay the portion of my bill that i was responsible for ( {$430.00} ) and assured me the rest would be removed from my bill. 

Citi issued me a new credit card. I never again used that card. 

The XXXX charges in XXXX XXXX were eventually removed from my bill, but not until the bill for XX/XX/2016, at which point I cancelled the card and closed my account. 

I checked my credit report in preparation for applying for a mortgage and was told that I have 4 instances of late payments on this City card between XXXX and XXXX that were all due to these fraudulent charges.. I called Citi three times trying to get them to remove the late payment marks or, at the very least, send me my billing records so that I can make the case directly to the credit bureaus. This mistake will cost me as much a 1/4 point in my mortgage if it is not cleared up by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Midland Funding today regarding the information they are reporting to my credit file. The representative stated that if it didn't belong to me over the phone that I could send them a dispute letter. I explained to him that I have disputed with the credit bureau before and all they have done is update with the bureaus that the debt was accurate. I requested they provide me with information regarding the account from the original creditor and he gave me a website to check which only details what they are suggesting I owe. I would like for this to be removed from my credit file as I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address ID # XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX My only name XXXX XXXX My only address XXXX XXXX XXXX XXXX XXXX florida XXXX My only date of birth is XXXX My only employer is XXXX  You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Debt collection

Debt is not mine. Debt is also showing up on my credit report 2x
Product: Debt collection

You have answered the complaints but you have not answered any of my e-mail. you say this can be done amicable but you have not answered any of my questions.
Product: Debt collection

I received a scam e-mail much like others I have learned. This email demands I make payment or will be prosecuted. 

XXXX XXXX XXXX of XXXX XXXX Speedy cash Service Department of payday Loan
Product: Credit reporting or other personal consumer reports

Debt has been charged off or in collections. Original Creditor has taken a Tax Credit and debt has been paid sold to a collection agency in which the collection agency has not provided the chain of assignment.
Product: Debt collection

Under XXXX. I have 3 collections causing my credit score to suffer. I have tried multiple times to have these removed to no end. 

Spring Oaks Capital for {$610.00} XXXX XXXX XXXX for {$580.00} XXXX XXXX XXXX  for {$360.00} I would like to have these removed. TXXXX suggested I contact the Federal Trade Commission, so that brought me here. 
Any help is appreciated in these matters. 
Thank you in advance, XXXX XXXX XXXX
Product: Credit card or prepaid card

I WAS AT THE BANK ON OR ABOUT THE BEGINNING OF XXXX I WENT TO THE BANK TO OPEN A CHASE PRIVATE CLIENT ACCOUNT. I FOUND OUT FROM A BANKER THAT MY CREDIT CARD POINTS WERE REDEEMED FOR CASH. I WAS SURPRISED AND WANTED AN EXPLANATION. THEY TOLD ME THAT I CALLED IN AND I TOLD THEM TO REDEEM THEM. I NEVER TOLD ANYONE TO REDEEM ANY POINT NOR CAN YOU REDEEM POINTS OVER THE PHONE. YOU MUST GO OVER THE WEBSITE TO REDEEM ANY POINTS. AFTERWARDS I WENT ON TO MY ACCOUNT AND SAW THAT THE OTHER XXXX POINTS WERE GONE. I REQUESTED AN EXPLANATION AND I AM NOT GIVEN ANY PROOF THAT I CLAIMED MY POINTS NOR WAS THERE ANY EXPLANATION WHAT HAPPENED TO THE REST OF MY POINTS. THE POINTS ARE WORTH APPROXIMATELY {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed that my credit report from Equifax listed an invalid address : XXXX XXXX, XXXX XXXX, UT XXXX I never lived at the address. In fact, the address was invalid with just some numbers. 

On XX/XX/XXXX, I disputed the incorrect address with Equifax. On the same day, Equifax responded ( Confirmation # XXXX ) : " We have reviewed the former address. The disputed address has been deleted. '' A few days later, I checked the Equifax report again and the incorrect address was still listed. I contacted them again. On XX/XX/XXXX, Equifax responded again saying ( Confirmation # XXXX ) : " We have reviewed the former address. This item has been deleted from the credit file. The disputed address has been deleted. '' Although the address was still listed in a fresh copy of the Equifax credit report, I thought it might take some time to drop so waited. After almost two years, I checked my Equifax report again in XX/XX/XXXX, and noticed the invalid address was still listed. After disputing the report again, Equifax responded on XX/XX/XXXX ( Confirmation # XXXX ) : " We have reviewed the former address. The disputed address has been deleted. '' However, after pulling a new Equifax report, the invalid address is still listed. 

This incorrect address is not listed on my credit reports from XXXX or XXXX. My financial institutions also confirmed that they are not reporting that address.
Product: Money transfer, virtual currency, or money service

What happened was I received some direct deposits from the US government for my Covid 19 relief funds since my family was greatly affected by the pandemic. But immediately I received the money, PayPal limited my account. Telling me that Ive violated their terms. Since then I have tried to talk to them complain to them that this money is life changing and my family is going through crises and I need that money. They made things worse. They permanently limited the account telling me they can no longer support my account. I understood because I was told that I will receive an email in 180 days after in order to withdraw my money. I had patience and waited for 180 days and yes I received the email after that Covid hit me again I had to be quarantined it was only after I came back home I realized PayPal had sent me that email. So I logged back into the closed account to try to withdraw my money. I was never able to withdraw. I contacted them and the only thing PayPal could tell me was they will email me when its available for withdrawal I tried to explain to the customer support that hey look Ive already received that email and I still cant withdraw. They will just disregard my messages and at a point were not replying to my messages or calls. And now here I am still having over {$10000.00} in my account and I can not even withdraw the money from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX male born XX/XX/XXXX, in XXXX XXXX California information was stolen while incarcerated. From 1995-2021 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX ) credit reporting agency, remove these accounts is the result of identity theft and fraud, remove all listed inquires and accounts within XXXX business days of you receiving this complaint. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account number # XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  XXXX inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX remove this address.These inquires and accounts have resulted in several fraudulent activity appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number :, XXXX XXXX XXXX Police Report XXXX ) US MARSHALS and proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX Chase sent an email asking for more information or my account would be closed. When I called customer service I was told there would be no explanation given as to why my account was closed and I can not open future accounts. Fraud was mentioned in the report however no explanation was given. They also blocked me from entering my account to even see what the issue was.
Product: Debt collection

AMSHER COLLECTION SERVICES INC has been reporting a collection account to the credit bureaus for over a year now that is fraudulent! I have made a police report with my local police department, filed a report with the FTC and sent all these documents into AMSHER COLLECTION SERVICES INC and they continue to report this account to the credit bureaus. They are in violation of the Fair Credit Reporting Act. They don't care that I am a victim of Identity Theft and have sent them proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2018 and XX/XX/2018 XXXX retail was added to my account and it was closed due to inactivity. I have never opened this account.
Product: Debt collection

Department of Education discharged all loans due to total XXXX. Three year monitoring period passed in XX/XX/2023. As a result of me applying for aid which is pell grant. They are attempting to collect in XXXX when I don't have any loans and monitoring period has passed.
Product: Credit card

I have a American Express card where they are supposed to have a reward for Fuel purchases of 4 %. Upon checking my statements and on the AMEX site I noticed I was not getting the rewards for a certain gas station. I informed AMEX and they replied that the business is not considered a gas station, even though it is and thats all they sell. The gas station is part of XXXX XXXX grocery markets, however the gas station is a stand alone building on a corner not connected to anything else. Sometimes these stations are branded as XXXX '' and sometimes they are branded as XXXX XXXX. I 'm located in XXXX, CO and all over Colorado and the XXXX, there are a lot of these gas stations that are somehow part of XXXX XXXX ( XXXX family ). The rewards come in as cash, so you can understand why I use the card exclusively for fuel, only to find out that the gas station I fill up at is not considered a Gas Station by AMEX. Around here in XXXX and XXXX area, there are tons of these XXXX stations and I ca n't be the only one who is losing cash rewards from these stations not being considered " gas stations ''. The AMEX card I have is issued to a lot of people as it is the AMEX that has been offered as the XXXX Amex card, so there are tons of people with this card out there that are not getting a huge amount of rewards money for their fuel purchase. I 've spent over {$3500.00} in the past two years at this particular gas station and am only now seeing that they have not rewarded me any rewards for shopping there. I contacted AMEX and spoke to them over XXXX, where they said they researched and found the categorization to be correct as far as they are concerned. The funny thing is that if you go onto the AMEX account online and look at your purchase it says under the charge..AUTOMATED FUEL, Category : Transportation - Fuel XXXX. 
This is what it says when you buy groceries ... GROCERY STORES, Category : Merchandise & Supplies - Groceries I 'm not sure what else to do, they have scammed me out of hundereds of dollars over past couple years because of them saying these stations are not gas stations. I have the XXXX feed of my interaction with AMEX.
Product: Money transfer, virtual currency, or money service

To whom it may concern, Im a PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email on XX/XX/XXXX. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. I primarily use my PayPal for Purchases like Video Games and Online entertainment. In addition, my PayPal is authenticated Everything I do on PayPal is completely legitimate. My id for my case is XXXX. Heres also a transactions that recently happened before i was banned - XXXX is the the only one i received everything else i purchased was entertainment and it was video games, movies etc. None of these violate the AUP or Anything on Paypal. To be honest, I have no idea what could have triggered this mistake. I reviewed it in in close detail. I looked on Paypal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. I plan to file complaints if my account is not restored within the expected 72-hour window. Please forward this on to the correct internal department that handles PayPal accounts. I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. Sincerely.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelles recent handling of disputes particularly in light of recent CFPB lawsuits regarding significant issues with the platform. my financial institution and Zelle failed to address my concerns The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.