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

I purchased 1 XXXX  treadmill with a grand total of {$3600.00} that included 0 % APR for 24 months and financed it through XXXX ( order # XXXX XXXX. They then put two charges on my account, one for {$35.00} at 0 % interest for 18 months. The second charge for {$3600.00} at 0 % interest for 24 months. This means the {$35.00} will expire before the larger balance which has 24 months of 0 % interest and I will then be charged 30 % interest on the lesser amount for 6 months. 

When I contacted TD at XXXX ( they are the loan issuer ) they claim this is correct. We have a receipt to prove otherwise.
Product: Checking or savings account

On XX/XX/XXXX, there was a fraud charge on my card. I informed My banking institution, they gave me provisional credit for XXXX. On XX/XX/XXXX the provisional credit was taking back, i called the bank and i ask them why did they take the money out of my account, the banker told me it was taking because they did not receive my my claim back that was mail to me, i informed her that i did not receive the form. The lady informed me that the claim was put in as a dispute, i informed her that it was not a dispute that it was fraud. So the lady informed me that since this was fraud that they were going to wave the check fees. The lady also told me that i had to go to my home branch and sign the documents, then they could rush my provisional credit, so i went to the home branch and sign the documents. then i called the bank again and informed them that i went to the home branch and signed the documents the lady told me ok, then she told me i will receive the provisional credit in three days.I called the bank back on XX/XX/XXXX what happened to my provisional credit, the lady informed me that my claim was denied, and that is why i did not receive the credit. I informed the banker how could she deny my claim when they made the mistake and file it as a dispute and it was fraud, and i did not make this charge. I informed the banker my wallet was lost. and someone found my wallet and use my debit card, my pin was in my wallet because i had a head injury so i forget stuff real fast. I also informed the credit beaural That my Identification was stollen also. they waved the fees but they denied the claim.
Product: Credit reporting

Experian is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee XXXX? Why is there a XXXX Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 I was woken up to a text from someone from XXXX saying they verified my unemployment and it was deposited into my account and the exact dollar amount it was. I never notified them that I was receiving unemployment Which means they took it upon themselves and used my personal information and went on unemployment website and verify income that I didnt report to them. They text me trying to threaten and Intimidate me about a XXXX payday loan. They continue to go back n forth with me very unprofessional I have names of those people but I feel intimidated I really do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion account # s listed below has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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. 

The accounts that violated my rights are : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this account multiple times. The account is child support I never volunteered to be a part of this program and was coerced into it. Furthermore the dates on the three credit reports dont match as I have uploaded the proof via screen shots of my credit reports and fico reports. 

Also please note that this account is on my report twice. Once as NY XXXX and the second time as child support. One saying the account is open and the other saying the account is closed but has an updated past due amount. Both of them are the same account.
Product: Checking or savings account

On XX/XX/2021, I tried to cash a US Government Army retirement check and was denied cashing the check even though I had 12-13 times the amount of the check in my account blaming it on COVID even though the mask mandate was lifted. As a XXXX XXXX I don't see what COVID has to do with cashing a check. At that point I asked to closed both my checking and savings accounts, I withdrew all of my money and went to another bank opened 2 accounts the same day and they cashed my check with no questions. Then a few days later the branch manager called me and asked if I wanted to keep the account open until transactions cleared, I said fine, I did not authorize any further payments on anything. However, the payments continued. Now I have a slew of overdraft fees. Because I made a transfer to pay the overdraft fees and even the payments that I did not authorize, including the the latest overdraft bill, the bank refuses to close the accounts. I attempted calling the branch as well as their main customer service number and all refused to close the accounts.
Product: Debt collection

XXXX.i dont know just got the letter today.i been trying to call the office and before I leave I went to talk to manager but she no need to do anything.so I think wrong file under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICED THAT I HAD MULTIPLE LATE PAYMENTS ON MULTIPLE ACCOUNTS THAT I WAS NEVER LATE FOR. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITIES WITH MAXIMUM ACCURACY. I HAVE NEVER BEEN LATE WITH PAYMENTS FOR THE ACCOUNT ( XXXX  XXXX XXXX ) acct # XXXX XXXX XXXX XXXX XXXX XXXX ) acct # XXXX ( XXXX XXXX XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENTS WERE LATE. IF PROOF CANT BE PROVIDED I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE.
Product: Vehicle loan or lease

I was in a XXXX XXXX relationship I was forced to get the vehicle he actually left with the vehicle in XXXX  the company I assume repossessed it because it showed up on my credit he also took my drivers license and debit cards he stole my identity, I asked for the balance to be deleted because I never had the vehicle and the vehicle was repossessed and sold at a auction this I ask that the account be removed from my credit and I already filed with the ftc and police
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX XXXX charged off an account for a second mortgage that I quit paying on in XXXX. The account remained on my credit report for 7.5 years at which point it dropped off per the statute of limitations. However, in XXXX of XXXX the account reappeared on my credit report for no reason. Despite my efforts to contact XXXX XXXX, they have failed to respond or correct their error.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information in my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon reviewing my credit report, I found inaccuracies that I believe are affecting my credit score and overall financial health. 
The items I am disputing are as follows : 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 
These accounts includes inaccurate information. 
According to 15 U.S.C. 1681 ( a ), I have the right to dispute any information contained in my credit report that I believe is inaccurate, incomplete, or unverifiable. I respectfully request that you investigate these matters and correct or remove these inaccuracies from my credit report. 
Please find attached copies of any supporting documentation that verifies my claims. I kindly request written confirmation of your investigation results, as well as any changes made to my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe established by the FCRA.
Product: Credit reporting or other personal consumer reports

Account Resolution is furnishing on my credit report and I have no idea who this company is. I do not have a contract with them as I have asked them to provide me with a contract with my sign signature proving with this company that I have done business with them. They have failed to send me a copy of that, I believe this has to be some sort of form of identity theft because I am unaware of the amount, the account number, and this in the company, how did this company obtain my personal information? Also, this company isnt even licensed in the state of Florida to collect the debt. Why is this allowed on my credit report as I have disputed this numerous times? 
According to 15 USC 1681eb maximum accuracy on the consumer report. also, there are multiple inaccuracies reporting on this account and account doesnt report collection every single month illegally updating the amount collections arent to report past due balances. This company is re-aging illegally the debt. Nothing about any of this is accurate it needs to be delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from Equifax informing me that " at this time Equifax will not block the information subject to the submitted identity theft reports and/ or police report 's you provided as part of your dispute. '' Under the Fair Credit Reporting Act section 605B a consumer reporting agency may decline to block or rescind any block of information relating to a consumer if the reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of material misrepresentation of fact by the consumer relevant to request a block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

This is the second time within two weeks Equifax has violated the Fair Credit Reporting Act section 605B. Equifax failed to provide reasonable determination of any factual proof by not honoring my block request.
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 XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX  XXXX Account number : XXXXXXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

US Bank website is clearly showing U.S. BANK XXXX XXXX XXXX offer 0 % Intro XXXX on purchases and balance transfers for the first XXXX billing cycles. 

After I applied and made the balance transfer, I get charged interest on the Balance Transfer for XXXX months, while they were trying to resolve the case. Their conclusion is that I did not open the right card, but clearly show my account has the same exact card they are offering. There is no other card on their website with 0 % on purchase only. I asked them to find me the card they are referring to and they can not find it, but still refused it is their system error and will not refund my {$360.00}. 

I originally paid {$360.00} for the balance transfer fee to take advantage of the 0 % APR for 18 months. They did not correct their system error, which force me paid off the amount, if not I still get charged for the interest at 17.24 %
Product: Credit card

On XX/XX/year>, I reached out to XXXX XXXX, CEO of Citibank to inquire, among other things, verification documents for my credit card account [ # XXXX ], via certified & return receipt mail. Although my request ( s ) affidavit ( s ) had been received by the company, no one responded. On XX/XX/XXXX & XXXX, respectively, I, again, sent another letter to the CEO requesting the same information. To date, no one has responded to any of my certified affidavits and letters. On XX/XX/year>, I accessed my online account to check to see if there was any ( possible adverse ) actions taken against me for my repeated request and I discovered that Citibank had closed my account. I believe this action, by Citibank, was retaliatory because I requested the information & verification I have been actively asking about my credit card bank accounts.
Product: Credit card

Bank of America charged fees for a payment that was sent on the XXXX of the month, when their new monthly cycle starts. I called them and they would not refund it. XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items o XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX : {$0.00} o XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX, XXXX, H o XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX : {$2000.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced identity fraud in the past and have made countless attempts to prove that things weren't acquired by myself and thought those things were corrected. However as I reviewed by credit report I see that the very things I thought I did away with found its way to my credit history which I believed to be impossible. I recently inquired about a car and was denied and hired an attorney to educate and consult with me about this matter and to know that my identity has yet been used time and time again to get whatever these frauds wanted at their own disposal was just mind boggling. I don't understand how or why creditors does not have an identity verification process to prevent such fraudulent activities! I need these items removed, simply because I did not consent for any of these false items nor did I inquire about them!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Mortgage

XX/XX/XXXX, I was about closing on a new home, when the underwriter called for my final credit report before the loan closes, the underwriter found out that I was reported to have a 30 days late on my current mortgage. When I contacted Bank of America the loan servicer, I was told that yes, I was late on my mortgage. However, what happened is that my XXXX mortgage which was reported late was paid on time. The issue, is that there was a slight adjustment on my escrow account in amount of {$50.00} or so. The bank refused to credit the already paid amount and Bill me for the balance but chose to report me late. The rep I spoke to said they tried to reach me but was unable to. They sent me a written mail to that effect but I did not open the letter. I thought is XXXX of the letters I receive daily. They have my email address but chose not to contact me through email. They even said, that they dont't have my phone number in their system, which was a surprise to me. Overall, I beleive that Boa did not treat me good after being with the bank for about 8 years paying my mortgage on time. Moreover, I beleive they knew I was about acquiring a new home for them to make this move. Please I need your assistance with this because my credit went fromXXXX down to XXXX, of which no bank can service any loan for with such credit rating. Also, I have {$10000.00} in my escrow account, which I may lose if this issue is not resolved in timely manner. I have pleaded with them to reverse this no avail. I even involved a lawyer to assist but it seems it got worse. Please I need an urgent action to this effect. My loan number with boa is XXXX. 
Thanks for your anticipated assistant to this effect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2025 Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from experian stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from XXXX  XXXX today. I have no applied for a XXXX  XXXX credit card and I have no submitted a request for one. I contacted Experian and filed a dispute, I also filed one with XXXX. Experian advised me to contact the bank XXXX XXXX. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for experian emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from XXXX XXXX or anything. I do not have any accounts with XXXX XXXX and I have never applied for a XXXX  XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are incorrectly reporting a late payment : Account history Payment history guide 30 days past due as of XX/XX/2022 XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/2022 XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX No phone number available Address identification number Not available Type Charge Card Terms NA Credit limit or original amount {$200.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/2022 First reported XX/XX/2022 Responsibility Individual *This was paid in FULL in XX/XX/2022 for {$92.00} and payment was never late