23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a checking account with Union Bank on XX/XX/21 in a local branch and enrolled in a {$300.00} referral offer. The bonus offer requires to complete three direct deposits of {$500.00} or more OR spend {$1000.00} in total on a minimum of ten ( 10 ) purchases with the Union Bank Debit Card Mastercard. I confirm I have already completed both requirements and am waiting for bonus to hit in anytime. However, after almost 60 days of account opening, I received a notification from Union Bank that my login has been locked and my account will be closed on XX/XX/21 due to XXXX. At this moment, the locked login cause great inconvenience as I can not check my balance or download statements to find out my checking account number. Moreover, the date is interesting that after almost two months of account opening and deposit requirement are met, they all of a sudden decide to close my account, just right before they are due to credit me the bonus. I have never seen any bank closes account due to XXXX post-opening, and if there is such case closing account within one week after account opening makes more sense, but definitely not after two months. Therefore, I accept their decision to close my account but I request Union Bank to credit the {$300.00} bonus into my account before they end my relationship on XX/XX/21. I have to seek help on CFPB and hope this problem can be resolved properly. Thanks.
Product: Debt collection

I am writing to formally dispute the alleged debt associated with. I have reason to believe this claim is invalid, as my personal identifying information was compromised in a recent data breach. I did not authorize any credit transaction or account associated with this alleged debt. 

Pursuant to Section 604 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), any use of my consumer report must meet the criteria for permissible purposes. This includes valid written instructions from me or a legitimate credit transaction involving my authorization. Neither condition applies in this case. 

Please cease collection activities and provide evidence substantiating this claim. Failure to provide verification will result in a request to all consumer reporting agencies to delete this erroneous information from my credit file.
Product: Credit card or prepaid card

This was a credit account with Chase that I had for 15 years. The card recently had a XXXX  balance. I did not use the card for some time and I come to find out that they closed the account without any notice to me whatsoever. 

Given the long-term implications of credit account closure on an individual 's credit rating, doing this to a customer with no notice and no option to intervene is completely inappropriate and in fact, punitive. I will have to deal with the impact of Chase 's decision on my credit report for nearly a decade and I've done nothing wrong.
Product: Debt collection

I received a phone call a few weeks ago concerning a debt owed to XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX. I am not familiar with nor have O ever heard of either one of these entities. I asked the representative to send me something in writing. The correspondence that I received states that I owe {$4900.00}. I have no knowledge of this debt and have never heard of XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX. 
There is a further reference about a Jefferson Capital Systems, I don't know of them either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX inquired on : XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX responded to a complaint via the XXXX that a my vehicle was charged off because that account was in default not because it was discharged. Yet, XXXX XXXX XXXX is retiring a charge off on my consumer reports which is inaccurate reporting because of a charge off is being reported then that must mean a 1099C form was filed. Of a 1099C form is filed that debt, according to the IRS becomes ordinary income. XXXX cant be reported on a consumer report. If they are reporting a charge off but did it file a 1099C form that is XXXX. I requested the 1099C form and they refused to send it to me. A 1099C form would make the charge off reporting INACCURATE. 

Furnishers of information ( XXXX XXXX have a duty to report information to a consumer report with maximum accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Affirm company  has continued to call me about missed payments but wont do anything to unlock my account, after have repeatedly called them, verified my identity, and they told me they would have someone contact me with it he next 10 days or so and its been almost a year since then. Now it is effecting my credit report. I look on my credit account and it says I have no missed payment Or due payments. I think I am being scammed by affirm.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX- Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account XXXX Account Name : XXXX XXXX XXXXXXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name XXXX XXXX XXXX XXXX  XXXX - Account XXXX Account Name : XXXX XXXX XXXXXXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX - Account XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo said they would refile the foreclosure but have yet to do so. See previous complaint. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the multiple inaccuracies listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), section 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information in consumer reports. The negative accounts reported in my credit file do not meet this standard and were reported without my written consent. 
Details of the disputed items are as follows : Creditor : XXXX  XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX Account XXXX : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX  Account Number : XXXX These accounts are inaccurately reported, and I am requesting that you conduct a thorough investigation into these matters. Please verify the accuracy of these accounts, remove the inaccurate information promptly, and pay {$1200.00} in monetary damages for the distress and impact caused by this incorrect reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate personal information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA, Section 611 ). Upon reviewing my report, I noticed that multiple variations of my name are listed, which may lead to confusion or errors in my credit history. 
The only correct and legal name that should appear on my credit report is : Send copy passport Experian Trans Union
Product: Credit reporting, credit repair services, or other personal consumer reports

We made an agreement for close this loans, I did made the payments of {$3800.00} in order to close this account, I have proofs of everything, you Guys close this account for like 1 month and now re opened back again, I do have the title of the car, and all agreements papers for this case, you guys flagged my account and all collections agencies whit no reason, and now is affecting me after I made all this payments, was very hard for me to get the amount of {$3800.00} to close this account in lest than s month, I have XXXX  kids, I have family and we passing through difficult economic times for you guys been playing whit my money like this, this is not serious, If i knew this probably i never payed that, please dont play whit the money of my kids and family because they not eating just because of this and now you doing this to us, this is not supposed to happened, I know credit accepted bank is more serious Thant this!
Product: Vehicle loan or lease

Viewing XXXX XXXX this account from credit acceptance is still showing open with a balance of XXXX and the car was repord XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been way past 30 days and I have not received any updates.
Product: Credit card or prepaid card

I made a purchase on Chase credit card for {$16000.00} to XXXX. The total amount paid to XXXX was {$31000.00}. 0n XX/XX/XXXX for a service that was not rendered. I contacted XXXX about the problem on services not being met XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I was just ignored about the problem of services not being met. They promised me certain outlined items they would do for me and a guarantee if I did certain outlined items they would stick with me until I made my money back. The company XXXX was finally shut down on XX/XX/XXXX by the Minesota FTC because the company was a scam. The government froze all their assets. 

I have sent paperwork, invoices, contract, guarantee and multiple items of paperwork to Chase credit card company. XXXX from the executive office said she would review the case and send me a letter explaining everything. I received no letter, but received a bill today XX/XX/XXXX saying the charge for {$16000.00} had been charged to my account. Why do I have to pay back money for services promised to me that were not met when I met all their conditions? I spoke and left messages with XXXX saying she would resolve it in a fair matter to me. XXXX amount credited to my account is not fair.
Product: Money transfer, virtual currency, or money service

I was in a XXXX XXXXXXXX situation, where money was XXXX from my account to another person with without my acknowledgment/consent. I called my bank to dispute the transactions and they told me to reach out XXXX. Over {$5000.00} was taken from me. As a single mother, losing that much money hurts and I need it back
Product: Debt collection

XXXX XXXX BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION
Product: Credit reporting or other personal consumer reports

I used my credit card in the airport and XXXX mins later I received notifications of 10 inquires on my credit reports from all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA SVG BK XXXX XXXX XXXX XX/XX/22 RE. We have disputed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit monitoring company that my score has dropped due to a new negative account from Direct Management reporting on my credit. I have no knowledge of this collection account and I do not have a joint account with XXXX XXXX XXXX XXXX. I was added as an authorized user but I have never had any access or had anything deposited ( paychecks, income tax, etc. ). 

Delete immediately form all credit bureaus Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2 company has also No permission to report anything using my info pursuant to 15 USC 1681 4
Product: Debt collection

I never had a capital one card I never had a credit card ever in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.
Product: Credit reporting or other personal consumer reports

CFPB THIS IS WHAT I'M DEALING WITH NOT SAME AS THIS CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint Against Equifax for FCRA Violations Dear CFPB : I am writing to file a formal complaint against Equifax regarding its failure to properly investigate a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). 

Inaccurate information on my credit report with Equifax. I provided comprehensive identifying information, including my full name, date of birth, Social Security number, current and previous addresses, and documentation to support my claims of inaccuracies. 

However, Equifax failed to fulfill its legal obligations. Instead, the company issued a letter claiming it could not locate my credit file using the data I provided and requested the same information again. Despite my compliance, Equifax : 1. Did not reinvestigate my dispute.

2. Failed to record the status of the disputed information.

3. Did not correct or delete the inaccurate data within the legally required 30-day period. 



This behavior mirrors a recent legal complaint against Equifax where plaintiffs reported similar overburdensome requests and neglectful actions. The described conduct indicates a systemic failure to comply with FCRA requirements, potentially to diminish responsibility for consumer dispute investigations. 

Equifaxs inaction has caused me significant distress, harmed my creditworthiness, and has left me without resolution despite my best efforts to comply with their requests. 

I respectfully request the CFPB investigate Equifaxs practices, hold the company accountable for FCRA violations, and require them to address my dispute in a fair and timely manner. Attached are copies of my dispute correspondence with Equifax, their responses, and documentation of the inaccuracies I reported. 

Thank you for your attention to this matter. I look forward to your response. 

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

I contacted Transunion disputing inquiries on my credit report. I stated that the following creditors did not have permissible reason to access my credit report : XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion As you can see there are multiple inquiries XXXX almost every month which doesn't make sense if they are extending me credit or I apply for credit. This is the perfect example of not having permissible reason to access for credit report repeatedly. I also attached their response to my previous dispute.
Product: Credit card

I have a store credit account with Big Lots. I previously would make all my payments in store. I was told by a store associate when I went to make my payment in XXXX XXXX  that the physical stores would no longer take payments and that I could do it online or over the phone. I tried to make a payment online using my account but online you could only use your banking account info. ( account # and routing ). I don't feel conformable using that info online ever so I decided to give them a call. A representative helped me make my payment with no issues. I wasn't charged a fee making that payment nor was one mentioned. Fast forward to XXXX XXXX. I called to let them know I wanted to close my account. This time before I was transferred to a rep the automated system informed me that it could be a {$9.00} fee if a rep was to assist with making a payment using the phone. I spoke with a rep and let them know I wanted to close my account. The rep said I would need to pay my remaining balance of {$43.00}. I expected that and was willing. The rep then stated for me to pay using my debit card there would be a {$9.00} fee. They stated that the total to be charged to my card that evening would be {$52.00}. They payment went through and the rep gave me a confirmation #. Two day later I noticed that the charges had not come out of account.

I called Big Lots customer service back and was informed that it could take XXXX days. 
But they saw the payment and everything was ok. I recently logged in online to check to see if they finally took out for the payment. They only debited {$43.00}. I was confused as it was supposed to have been {$52.00}. Big Lots ended up billing for the {$9.00} instead of taking it out using my debit card. Thus, creating another charge on my statement calling it an " expedited payment fee '' then adding interest all in a span of a week. I didn't ask to expedite anything. Plus if it was expedited why did it take XXXX days to come out of my account and reflect on your end as paid. The whole time I'm left to think the account has been paid off and closed. Now I have to pay nterest on the {$9.00} fee for making a payment with them. And again the ONLY way to make a payment with your debit/credit card is speaking with a representative. I know it's not a lot of money but I am only XXXX of thousands that when a company nickle and dime each customer it can really add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover bank, let me articulate your errors and walk you through this process.. okay, you see here.. this is Discover Bank violation of Federal Law. You are reporting 120 days Late in the Month of XXXX, XXXX, XXXX of 2020 there is only 30, and 31 days of the months mentioned above which is evident and verified that Discover Bank is in violation of The Truth In Lending Act pursuant to 15 U.S. Code 1666b - Timing of payments. Discover Bank It is absolutely impossible to be Late 120 Days in a month that only has XXXX or 31 days ( Laugh Out Loud ). 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT later than 21 days before the payment due date. Discover Bank I demand you to clarify that you have complied with Federal law 15 U.S. Code 1666b ( a ) and provide me with Documentary Evidence that you are not in violation? Statements are not sufficient enough. I am demanding Discover Bank to correct all errors. You are bullying, extorting me, ruining my financial reputation the way you are furnishing my information. Pursuant to 15 U.S. Code 1681s ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. You have no lawful authority to furnish my information, you are doing this to export me and has a federally protected consumer I have rights and you will be held accountable for your deceptive business practices!