23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint due to significant discrepancies in my credit reports, which I believe represent clear violations by the credit reporting agencies, XXXX XXXX XXXX XXXX, the XXXX credit card companies listed on my report, and XXXX XXXX XXXX. These errors have adversely affected my creditworthiness and have caused me considerable financial distress. 
Additionally, I am opting out of all authorizations. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I hereby rescind any authorizationswhether written, unwritten, verbal, or non-verbalthat I may have granted, pursuant to 15 U.S.C. 6802. This rescission is effective immediately and indefinitely. 
XXXX. Violations by Credit Reporting Agencies : The credit reporting agencies, including XXXX, TransUnion, XXXX, and XXXX, have violated the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : These agencies have reported non-public personal information without my written consent, in violation of 15 U.S.C. 6802. 
They have allowed XXXX XXXX and XXXX XXXX XXXX  to display my transaction history, which is illegal under 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( Exclusions ). This also violates the permissible purposes of consumer reports as defined by 15 U.S.C. 1681b, as well as the privacy protections under 15 U.S.C. 6802-6805, 16 CFR 313, and 16 CFR 433.2. 
XXXX. Violations by XXXX  XXXX and XXXX XXXX XXXX  : XXXX  XXXX and XXXX XXXX XXXX  have unlawfully reported my transaction history, violating 15 U.S.C. 1681a ( 2 ) ( A ) ( i ). This action also contravenes the Privacy Act of 1974 and the aforementioned statutes. I did not grant either institution permission to report my transaction history. Therefore, I request that the status of my accounts be updated to Paid as Agreed for both accounts as a remedy to this issue. 
XXXX. Violations by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX has violated the Privacy Act of 1974 and the terms and conditions agreed upon at the time of my account opening. Specifically, XXXX XXXX has breached the terms that restrict the sharing of personal information, including provisions for opting out and distinguishing between affiliates and non-affiliates. These actions violate 15 U.S.C. 6802, and also extend to violations of 15 U.S.C. 6803, 6804, and 6508. 
XXXX. Violations by XXXX XXXX XXXX XXXX It is my understanding that XXXX XXXX XXXX has obtained my banking transaction history from various banks over the years, possibly since I reached the age of XXXX. I did not grant consent for XXXX XXXX XXXX to acquire, utilize, or report my information to other financial institutions. I am therefore requesting that XXXX XXXX XXXX provide me with a complete record of my banking transaction history as soon as possible, as they have only provided records from the past several years. These records will serve as proof of my claim. Additionally, I intend to seek compensation for every transaction they have on file. As stated above, I am opting out of all authorizations.
Product: Debt collection

I have sent 2 communications by mail to this company requesting that following the standards of the law and my rights that they provide me proof of my signature validating that I owe this alleged debt. I have waited over 60 days and they have refused to respond with proof this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to challenge the inclusion of inaccurate and faulty accounts on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any incomplete or incorrect information on my credit report. After reviewing my credit report, I have identified multiple accounts that contain inaccurate or false information. The accounts in question are : XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00}. I am requesting that you investigate this issue and correct any inaccuracies that you discover, in accordance with Section 611 of the FCRA, which mandates that credit bureaus investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, Section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Vehicle loan or lease

I have been trying since XXXX to register my car in the state of XXXX. In order to register my car XXXX XXXX needs to send the title to the state I am registering it in. 

On XX/XX/XXXX XXXX XXXX confirmed that they have the title. We requested for it to be mailed to the local tag agency. XXXX XXXX said it would be XXXX - XXXX business days for them to send it to my local tag agency. Numerous other calls for the title were made on XX/XX/XXXX, XXXX and XXXX, XXXX to no avail. Each date I was told it had been mailed. 

XX/XX/XXXX XXXX XXXX stated that they have not mailed the title due to an internal paperwork issue and it may be XXXX business days before it can be resolved. On XX/XX/XXXX they are now saying the paperwork issue still has not been resolved and it will take XXXX business days. 

I do not know what to do at this point. XXXX XXXXXXXX XXXX  special agent said he/she can not talk directly with their title department ; there isn't a number for a supervisor ; they have no complaint department ; and no email or fax. 

Due to the continued misdirection from XXXX XXXX I request that CFPB investigate and the title be XXXX  to the local tag office expeditiously.
Product: Student loan

XXXX XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Against Navient for Non-Compliance with Opt-Out Disclosures Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Navient regarding their failure to provide me with the opt-out disclosures for my student loans. I previously submitted a dispute to Navient and the Department of Education concerning the absence of opt-out notices for all my student loans. Regrettably, I have not received a response from either entity in accordance with my request.

As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive opt-out disclosures when disputing information related to their credit report. Despite my efforts in reaching out to both Navient and the Department of Education, I have not been provided with the necessary information that would allow me to make an informed decision regarding the management of my student loans.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Navient 's compliance with the FCRA. I believe that the lack of response from Navient and the Department of Education is a violation of my consumer rights, and I am seeking your assistance in rectifying this situation.

Enclosed with this letter, please find copies of my previous dispute submissions and any relevant correspondence with Navient and the Department of Education. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Chase Bank XXXX XXXX XXXX XXXX XXXX All decreased my credit limit without any reason why All my payments were made on time XXXX XXXX  said I was late on my payments but only one hour so they decreased my credit limit however I had auto withdrawal so Chase Bank XXXX XXXX XXXXXXXX XXXX XXXX  all decreased my credit limit unfairly
Product: Credit card

The credit card company is BMO. I tried to use my BMO credit card online on XX/XX/2025, and it didn't go through. ( It had worked the the day before with another merchant, and everything on my BMO online looks fine. I have received no recent alerts about anything, and I am paid up ; I pay in full every month. ) I called the merchant to make the purchase over the phone but that didn't go through either. I called BMO and the person told me the credit card account had been closed, " they sent letters yesterday, '' their terms say they can close the acct any time for any reason, and they don't have to give a reason, and the letter will not contain the specific reason, and I can not reopen the account, and I can not talk to anyone higher up because " management is not taking calls and they don't know the reasons '' either. I called again and got a different person who read me the same script, no further answers. I have had this card for decades, starting when it was Bank of the West, with no problems. I am furious that I was not given advance notice of the account closing and that I was not given the reason.
Product: Debt collection

I have been a valued client of XXXX XXXX  since XXXX, pay timely payments. My information was used without my permission to close the account I had my account scheduled to be paid by XXXX XXXX, and set up on the XXXX  plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries dont not belong to me & this is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had open up a XXXX XXXX account in XXXX of XXXX and was approved for the account. I also applied for a XXXX XXXX account in XXXX of XXXX and was approved for that card also. And on XX/XX/XXXX I applied for a XXXX Reward Visa card and was approved for that also. All of these cards comes from Comenity Bank. During the month between opening up XXXX XXXX and made a purchase for a men 's ring and never used the XXXX card and used the XXXX Rewards card, I want to the XXXX XXXX Jewelers to exchange my ring to found out that my account was closed the day before. I still returned the ring to XXXX XXXX. But it still showed up on my credit report as a debt. After calling about what happened it comes to find out the all my accounts with Comenity Bank was closed as they said something came up on my credit report. This was a total embarrassing to me and my family while in the store exchanging my ring and was told to give the ring back or it would look like I stole the merchandise from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS # XXXX DOB XX/XX/1990 Account- US DEPT OF EDXXXX Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX, IL to XXXX, Arizona I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account US DEPT OF ED/XXXX/ XXXX These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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, credit repair services, or other personal consumer reports

Wells Fargo Home # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.
Product: Credit card

Someone used my Capital One credit card account without my permission to purchase a XXXX purchases. Contact Capital One 15 times about this matter and they refused to resolve this situation. The reason why Capital One refuses to credit fraud on this dispute is because the transaction had was made with the exact Address from my Capital One account. Capital one never sent me any documents asking for more information regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and noticed inquiries I didnt recognize one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have attached the counterfeit check that was deposited into my bank account at Chase Bank and funds taken out. I do not know these individuals who did this. 

Chase Bank has No Provisions in place to protect people 's account. When it was recommended by Chase Bank to turn off Online Banking it was done. On XX/XX/2023 someone deposited into my bank account a check for {$2400.00} and withdrew the money from my account. On XX/XX/2023 someone was trying to take out of my bank account {$480.00}. I received a fraud alert on this amount and was able to reject the transaction. Its strange that I would get an alert the second transaction which was rejected, but not the first time for {$2400.00}, and the check was honored at Chase Bank. 

The outstanding issues are : 1 ) There are no provisions in place to protect the consumers money.. Nothing sent to the consumer via a text message about fraud activity. Should work for checks and debit cards. 
2 ) I was told that with online banking turned off I would not get any Fraud Alerts. On XX/XX/2023 I did receive a fraud alert with online banking turned off. 
3 ) What was stated above I received no alert on the {$1400.00} check, but did receive a fraud alert on the check for {$480.00}. Chase Bank is unable to provide an explanation as to why this happened. 

CHASE BANK SHOULD NOT STATE THAT ONLINE BANKING IS TURNED OFF, AND NO FRAUD ALERTS, WHEN I DID RECEIVE A FRAUD ALERT ON XX/XX/2023. 

A CLAIM NEEDS TO BE FILED FOR THIS OCCURANCE, AS THERE ARE NO PROVISIONS IN PLACE TO PROTECT THE COMSUMERS MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX does not have my updated XXXX score and incorrect credit information. Experian had not updated my credit information.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I'am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
# XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I sent two phones back to XXXX that I ordered with affirm. They were received by XXXX on XXXX. Affirm hasn't credited my account even though I sent them evidence twice. The first time it was ignored and they asked for it again. 

I shouldn't be charged interest for something XXXX received back over XXXX weeks ago.
Product: Credit reporting or other personal consumer reports

I recently reached out to Experian in XXXX and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. Experian only corrected a portion of it and has continued to report the same inaccurate information. I have reached out to try to correct this a couple of times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to XXXX XXXX XXXX XXXX, Experian is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b . 

I STILL have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me. I specifically want them to abide by the consumer law and not allow people without a PERMISSIBLE purpose to access my credit report without my written authorization. It is a direct violation of FCRA 15 USC 1681B!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$810.00} XXXX  XXXX XXXX : {$5400.00} XXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

Trying to reach out to company but doesn't have a phone number that displays on website. When entering login information I get a bad URL which doesn't give you a number to call the company. Can't access personal info to make payments or to see status of loan. Payment was taken from checking account 2 weeks ago but just checked my credit report and they have account as a charge off or closed! I have no way of contact to even discuss what that is from or if was mistake!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had health insurance at the time and therefore these costs were covered and there should not be any outstanding balance due. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to remove these items however, I have not been successful.
Product: Credit card or prepaid card

I.m dispute this account cause it is paid in full and request for it to be removed and update.on my credit reported ....
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate practices which violate the consumer financial protection act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my credit report and i see unauuthorized inquirys for equifax i file a ftc report they still want from them frm my report they are XXXX of them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all dis was not me
Product: Credit reporting or other personal consumer reports

I noticed some inaccurate information on my credit report and went to the annual credit report site to get a copy of my complete consumer report. The site had an error where i couldnt download or view the report at all. I went to request a copy and I sent a letter to XXXX immediately to have it resolved. I haven't gotten a response yet and I need that report immediately as there may be serious issues on the report I need to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX took me to court by and through their attorney`s XXXX and XXXX. On XX/XX/XXXX XXXX XXXX XXXX lost thier case in the District Court of Maryland and Judgement in favor of Defendant was entered into the record. Case # XXXX. 

For over two years XXXX XXXX has reported this still as a debt in collections. 
I contacted them and their XXXX XXXX XXXX. XXXX acknowledged this was closed and they lost and informed XXXX of the same. 

XXXX XXXX is refusing to update my credit report to reflect they are not owed the money and the account is closed. 
This resulted in my being denied a loan on an investment property,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Experian to remove XXXX XXXX from my credit report because they have failed to report the account accurately on my credit report. The date of last payment and first date of delinquency is inaccurate. I have advised Experian of the inaccurate information and even sent them a screenshot in which I sent but they ignored the screenshot and claimed they were verifying the information.
Product: Student loan

XXXX and the loan servicer ECSI have made it almost impossible to understand and appropriately pay back my XXXX loan. XXXX shifts blame to ECSI at any possible time for issues while having full control of the process. ECSI equally shifts blame back to XXXX and does not transfer you to the right person you need to talk to for XXXX loans. Getting in touch with a loan servicer at XXXX is extremely stressful and often requires calling upwards of XXXX times to get in touch with the correct person. 

For payment due XX/XX/XXXX, I received my bill from ECSI on XX/XX/XXXX. This is unacceptable as if I had not remembered on my own to pay ECSI I would have had a late payment penalty on my credit score. 

ECSI 's online system does not allow you to pay the amount due. I was making monthly interest payments of {$89.00}, yet when I would go to pay online, the only amount it would let me pay was the " full payoff amount '' of {$500.00}. When I called to ask about this, the phone rep said there is a problem with their system that they are working on. It has been a problem since XXXX when I XXXX XXXX XXXX. It seems that at every step of the way they make it as intentionally confusing and obfuscated as to how to pay back the loan, and what amount to pay.