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

I have a complaint against Experian regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from Experian on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to Experian but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.
Product: Credit reporting or other personal consumer reports

A company by the name of XXXX XXXX XXXX is on my credit report & should not be. I feel XXXX put this creditor on my account without the proper research. Which is causing a negative impact on my credit report.
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXX  XXXX BALANCED {$420.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Student loan

My son attended XXXX University XXXX I was remarried to a man who was not helping me pay for my son 's college. But the financial aid department ignored my letter stating this fact and included his income in determining my son 's financial aid my son took some loans in his own name and I unfortunately took Parent Plus Loans. This being said my son went to XXXX school and took loans for that too so therefore he can not help me. When Navient had my loans at XXXX at a good interest rate of 2.5 % XXXX at the horrible rate of 8.5 % when I told them I could not afford the payments of over one thousand dollars a month for these loans they suggested forebearance and of course interest accrued on these loans. When I came off forebearance I consolidated the XXXX loans at 8.5 % the first year the put me in a pay as you earn payment plan to be revisited each year with that plan the loan were affordable. When it was year two I had to send my tax returns in and my payment went up drastically when I called for an explanation I was told they made a mistake the previous year that Parent Plus loans do not qualify for Pay as You Earn Repayment Plans only Income Based Repayment Plans. They said based on my Tax return I could afford the payment ... ..they do n't consider all my bills. I have already been in debt management after divorcing the man who ruined me financially. My first husband died at a very young age leaving me to raise my son and my XXXX daughter alone. That is why I went for the loans to give my son the best education I could, not realizing what those loans were actually going to do to me.
Product: Vehicle loan or lease

Back a year ago, I received a fraud form to be return to BMW Finance. I  did return the form but never heard from the again. 

About a week ago I received a letter where it states that the vehicle has been sold and I need to pay BMW Finance {$20000.00} From the beginning BMW has been told that this transaction was fraudulent and I never bought that car. 

Now the insist that they will be sending me a collector to collect the XXXX for a vehicle I have not bought.
Product: Money transfer, virtual currency, or money service

The way2go debit card through the GA Department of Labor does not have a service to transfer the amount to my bank anymore, and I want this option back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the items on my credit report on XXXX XXXX. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have 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 an account without my written instruction or consent.
Product: Credit card or prepaid card

on XX/XX/21 bank of America blocked my debit card for no reason demanding I got to a bank with 2 forms of id even though I've informed them that my identity is completely verified with CA XXXX they still would not unblock my account. I had to contact edd for them to send over verification of identity and they unblocked it on XX/XX/21 not even 2 weeks later they have done the same thing on XX/XX/21 theyve blocked my account again for no reason without trying to confirm my identity. this is impacting my ability to pay my bills and mortgage putting me at risk of losing everything.
Product: Prepaid card

3 issues with Conduent, the administrator for XXXX XXXX XXXX XXXX XXXX XXXX XXXX prepaid debit card : 1. There is no option to talk to a human or submit a question via email, text, chat, or portal.

2. I twice ( XX/XX/2025 and XX/XX/2025 ) used an XXXX branded ATM to withdraw cash. I was directed to the particular ATM at XXXX XXXX XXXX XXXX, XXXX AZ XXXX via the website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where it reads " Avoid ATM Surcharge Fees. Avoid this surcharge fee by using ATMs owned by the bank or network brand mark identified below. Click on any one of the brand marks displayed and follow their instructions to locate the nearest surcharge free ATM. ATM surcharges are additional fees charged by the ATM owner. You can avoid this surcharge fee by using ATMs displaying the following logos. To find your nearest surcharge free ATM, click on the logos shown below : '' The terminal screen specifically stated that there is no fee for using this ATM. Yet I was charged {$0.00} each time. Not significant to me, but multiplied weekly by XXXX 's of unemployed people across many states, I think it might be significant. 
XXXX. Transfers to my other bank account do not complete. I initiated XXXX transfers ( XX/XX/2025, XX/XX/2025, and XX/XX/2025 ) Each time, Conduent indicates the transfer was successful and has cleared. Each time, the transfer is reversed and credited back. I have contacted the destination bank XXXX XXXX XXXX XXXXXXXX ) and have been told they have no record of an attempt. Conduent 's website XXXX XXXX XXXX XXXX XXXX  indicates they will call me the next day if there is a problem with the transfer. " If we are unable to complete the transfer we will attempt to contact you through email, text message, or an automated phone call if you have provided this contact information in your user profile. Phone numbers for this reject alert must be within the continental U.S., Alaska, or Hawaii. All calls will be made between XXXX and XXXX, XXXX days a week. If a transfer reject is received during off hours, the alert message will be held until the next day. '' No call has been received.
Product: Checking or savings account

BB & T charged me 5 overdraft fees in the last week, one on a {$10.00} item. I understand some of them, but there has to be common sense you can not charge 3 times the withdraw in fees. They even charged me when my direct deposit was showing in the account status.
Product: Credit reporting or other personal consumer reports

I want all refund they even took my last cash at and I was in good standards
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Checking or savings account

on XX/XX/2022 there was an unauthorized withdraw a {$500.00} from my XXXX card. it was withdrawn from Citibank ATM in XXXX XXXX. I was in XXXX XXXX at the time. I live in XXXX XXXX. I discovered theft minutes after it XXXX followed all instructions related to reporting the fraud, including calling the XXXX number on the back of the card and reporting it to whoever answered that line, I also made a police report and a report to XXXX XXXX XXXX fraud special investigation. several attempts to follow up with the claim came to nothing.. the original conversation I had with the person that answered my call that morning in XXXX can't be found or any record of it whatsoever. even the original report that apparently was submitted was submitted with totally incorrect information. and because it's been so long no one is willing to help me recover the money anymore, but the problem is I'm not the reason it's taking so long, I did my part I reported it immediately and accurately when it happened to all the necessary parties.. but none of them have done their part I have still not been returned the money. also, in violation of my rights, a thorough investigation was never conducted
Product: Credit reporting or other personal consumer reports

I check my credit report and there is information that is not correct the address XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, these accounts are not mine accounts XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, equifax mortgage ser XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, bankruptcy chapter XXXX, this information is not true and need to be remove from my credit report
Product: Checking or savings account

Suntrust Branch to ok a deposit on Friday   XXXX   XXXX   at  XXXX  It was a check from a  Suntrust Account  into a/my Suntrust Account, listed immediately as Pending but available on my account.   On Saturday the deposit was not listed  in Pending or Credited on  my account.   I called Customer Service  XXXX  number and was informed they could do nothing about it that only the branch could fix it which was not open o n Saturdays , but wait until Monday.     On Monday  XXXX   XXXX , I phoned the branch ( at  XXXX  opening ) that made the deposit and the Head Teller was too busy to research it for  two h ours, according to the Branch  Manager   XXXX   XXXX . No one called me back, I had to repeatedly phone the branch and was told that it was taken care of on about the fourth phone call to them, and informed it was credited to my account, funds were 100 % available, this was almost at  XXXX .    Attached Screen  shot shows it was Credited on my account and the time on  XXXX   XXXX .     On Tuesday  XXXX   XXXX , at  XXXX   XXXX , I received my notification update of balance on my phone and it showed the deposit amount was not in my account.   Checking into online banking, it showed no pending deposit, it showed no deposit credit for the amount from Friday and the credit from Monday had vanished.     I phoned the  XXXX   XXXX  Customer Service  Number of Suntrust and was informed that the deposit was n ot on my account. After a brief hold, he confirmed he saw the deposit in his records but could do nothing for the situation and that I needed to call the  Branch  where the deposit was made but that they were not open at the time.     I phoned  Suntrust Branch  where deposit was made at  XXXX  opening, and was informed the    Branch Manager was not at work yet and they did not know what time   she would arrive. I spoke with the  Head Teller  who said she would research it again and see where the deposit was, but she said she could do nothing about it or tell me anything about it while I was on hold.     As of now, the deposit is not pending nor credited on my account, and I have been unable to get to a person of authority within  Suntrust, or even know who or what department actually has the authority to locate, credit and post my deposit that was made Friday, in person, at a Suntrust t eller window.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$50.00}
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681g, commonly referred to as the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a full disclosure of the information held by credit reporting agencies about their credit history. Specifically, this section mandates that a consumer is entitled to receive a complete and accurate copy of their credit report upon request. In light of this, I am disputing the charge-off listed on my credit report from XXXXXXXX XXXX XXXXXXXX XXXX as the information provided appears to be inaccurate or incomplete. According to the FCRA, all information on a consumer 's credit report must be accurate, verifiable, and reported in a timely manner. It is my contention that the charge-off in question is either erroneous or was not properly verified by the creditor before being reported. Given that I am entitled to a clear and accurate representation of my credit history, I request that the credit reporting agency investigate this matter in accordance with 1681i, which requires investigations to be conducted promptly and corrections made if necessary. If the charge-off can not be substantiated with appropriate documentation, I ask that it be removed from my credit report as required by the law. I am exercising my rights under the FCRA to ensure that my credit history remains fair and accurate.
Product: Checking or savings account

Bank of America held 99 % of my deposit longer than they needed to, causing important payments to be withheld, abs returned. It is causing a hardship. They could have verified the funds, but after several phone calls they would only tell me they were rejecting my payments and I shouldnt deposit checks. As a XXXX financing is hard enough without my bank working against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my TransUnion & XXXX  Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, Tranunion, and XXXX that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}. 

The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING TRANSUNION & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never 30days late ( XXXX  ) can not prove I was ever 30 days late ( XXXX  ) is in violation of 15 U.S.C.1681s-2 ( A ) ( 1 ) 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. 
The credit report ( attached ) shows that the information being reported by ( XXXX  ) does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can ( XXXX  ) be reporting accurately to the credit reporting agencies, if each credit reporting agency has different information? 
the account number for the ( XXXX  ) account does not match between all three credit reporting agencies the payment status for the ( XXXX  ) account does not match between all three credit reporting agencies the date of last active for the ( XXXX  ) account does not match between all three credit reporting agencies the payment history for the ( XXXX  ) account does not match between all three credit reporting agencies ( 24 months ) after previous dispute, ( XXXX  ) illegally shuffled dates around
Product: Prepaid card

My name is XXXX XXXX, and I am writing to request assistance regarding a delayed refund for a hotel deposit on my Cash App account. 
On XX/XX/year>, a deposit hold of {$75.00} was placed on my account by XXXX XXXX ( $ XXXX username ). I checked out on XX/XX/XXXX, and the hotel has confirmed that the deposit has been released on their end. 
Unfortunately, the funds have yet to be reflected in my Cash App balance despite repeated attempts to resolve the issue. I have submitted copies of my hotel folio as requested by your customer service team, but the funds remain unavailable.Additionally, I've been informed that it might take up to 41 days for the release, which is unacceptable considering the hotel has already confirmed its release. 
I have also contacted XXXX XXXX  on multiple occasions, and they have reiterated that the funds have been returned to Cash App. They further mentioned that they no longer accept Cash App payments due to similar delay issues, raising concerns about the platform 's efficiency. 
Given the current economic climate and the importance of readily accessible funds, this situation is highly concerning.The delay in receiving my refund has caused significant financial stress, impacting my budget and even leading to the use of credit cards to cover essential expenses. 
While I understand unforeseen circumstances can arise, the lack of clear communication and resolution from Cash App has been frustrating. My interactions with customer service representatives, including a supervisor named XXXX, have unfortunately been unhelpful and disrespectful. 
I kindly request your immediate intervention to expedite the release of my {$75.00} refund. I am confident that this issue can be resolved promptly. I believe that a more efficient process for handling such situations would greatly improve the user experience. 
Thank you for your time and attention to this matter. I look forward to your response and a swift resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies still that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to correct this misinformation on my file XXXX XXXXXXXX
Product: Debt collection

I requested a master promissory note from the student loan servicer, AIDVANTAGE. I requested this promissory note in order to prove that I owe this alleged debt. I was told that they were just the servicer but, I could go to " XXXX '', to receive it. I then called the department of education and was told that they had it on file and that they would send it out to me. It has now been over a month and I still have not receive the promissory note. I went to XXXX and signed on to see if it was on file but, received a message saying that they didn't have it in their system. I do not own this alleged debt so this is a violation of 15 USC 1681 by not insuring that all information being reported is correct and accurate.