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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

n accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX - XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has 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 instructions ( 2 ) In accordance with the written instructions of the consumer whom it relates Did I give you written instructions to furnish this in my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusion from a credit report state : ( 2 ) Exclusions. - except as provided in paragraph ( 3 ). The term consumer report " does not include - ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as a transaction, or experience.

Between the consumer and the person making the report.

Delete these above account from my consumer report, this agency is in violation of 15 USC 1681 According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than XXXX. 

I want XXXX per violation, or the negative item immediately removed from my credit report. 

You did not get my written consent to create a credit report. 

Please send me a copy of my updated consumer report reflecting these changes. 



Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n
Product: Checking or savings account

Chime has all my funds locked up and say they cant verify my identity and wont give me my money since XX/XX/2022. Ive provided my ID, mairrage certificate, birth certificate, copy of my apartment, etc. & no matter what I do or how many times I call, they say Im just out of luck. They have {$7400.00} in my checking & {$3100.00} in my savings and $ XXXX in my credit builder accounts that they will not give me access to!
Product: Checking or savings account

Pnc won't link to site for saving, credit reporting etc.
Product: Checking or savings account

On XX/XX/2025, Citibank refused to deposit a recurring government check for {$770.00} as usually deposited for over a year and a half. They requested me to cash it myself at ATM so they are not held liable and discussed my private information in front of the entire bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Debt collection

On Tuesday, XX/XX/XXXX, my mother received a call from Credit Management Company asking for myself. She then proceeded to ask them what the call was in reference to. The caller informed her that I supposedly owe some debt, the amount of the debt, and the creditor that the debt was owed to. My mother relayed this information to me and gave me the specific information. I had called Credit Management Company on XX/XX/XXXX to inquire about this debt, that I had no knowledge about, because I wanted to see if it was valid. I had informed them that they had violated FDCPA [ 15 USC 1692C ] 805 ( b ) by disclosing this information to my mother. XXXX, from Credit Management Company, had stated it could have been an automated message which disclosed this information. I informed him that this communication, regardless if it was an automated message or a person, came from Credit Management Company and still illegally disclosed this information to a third party.
Product: Credit card

According to 15USC 1681. congressional Findings and Statement of purpose 15USC 1681 ( b ), Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Im requesting validation, made pursuant to the Fair Debt Collection Practices Act and The Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that Im requesting Validation ; that is Competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit reports including XXXX, XXXX, And XXXX ) From your company or any company that you represent, for any debt, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the fair Debt Collection Practices Act ( Including but not limited to section 807-8 -Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of Status.
Product: Money transfer, virtual currency, or money service

I am filing up complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an 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

To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX and I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are wrong, since the only names I have ever used are XXXX XXXX, at birth and XXXX XXXX. I have also never lived at : XXXX XXXX XXXX XXXX XXXX XXXX. This address belongs to my sister, XXXX XXXX. I presently live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and before that I live at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXX, XXXX, some of those addresses belong to my sister, not me. 

I am contacting you so that you may correct these errors and to make you aware of the fact that you are linking my financial records with my sister 's, XXXX XXXX, and my mother 's, XXXX XXXX. When we look at each others financial records we can see that we all share addresses and accounts that belong to one another. I have never had a XXXX XXXX credit card, but my sister, XXXX XXXX has. I need my financial account separated from that of my family, because of these errors, when I request a change of address, my families mail is also redirected, as it seems we are all the same person. I have provided documentation to prove my name and addresses, along with my mother and sisters information so that we may be separated from one another. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX credit card account was transferred from XXXX XXXX XXXX to comenity bank on XXXXXXXX XXXX. I never received notification of this change and never received my credit cards. I found out because my old card was denied. When I called on XXXX I was told I would receive my new cards soon. After calling weekly and only being able to communicate through instant message I finally had enough lies and paid my bill over the phone and canceled the card. A week later I got a bill in the mail. I had to call to make sure I didnt owe anything. This company was the worse I have ever dealt with. I had three people a week apart tell me not to worry my cards were in the mail. I dont know where said cards are. The bill was paid in full and account canceled. I am not assured that I wont get another bill from them but I have kept all electronic communication with them in case I need to see a lawyer. Unethical company
Product: Credit reporting or other personal consumer reports

I requested a credit line increase from XXXX XXXX and received a denial letter stating there was legal action pending against me. I a reviewed my Consumer Reports and there is no legal action pending by any credit agency. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never had any legal action pending against me on ( XXXX XXXXXXXX : acct number XXXX. Please investigate and provide Proof there is legal action pending. It proof can't be provided I demand my credit is updated and the legal action be removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening! Ive always made on time payments. I receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update always made on time payments I demand updates all positive information being reported. delete collections not mine. Accounts to be updated to on time payments : XXXX XXXX XXXXXXXX date Change to on time payments Last report date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX XXXX XXXXXX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXXl Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX  open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general after I get response.
Product: Debt collection

There is information of SANTANDER CONSUMER USA on my credit report. I do not have, nor have I requested a loan from this company. I would want proof any documents signed that state I am owner of this debt.
Product: Money transfer, virtual currency, or money service

My venmo account has been frozen and I don't know why, they refused to tell me why and now my {$2000.00} is in the app and I can't have access to it, my account was frozen on the XXXX of XXXX and I submitted my drivers license and it still hasn't helped me to recover my money, even when my account is verified I still can't Get my money
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt with the CFPB with this company on multiple attempts and directly with the company. This company has been unable to validate that I owe this debt and has not sent any documentation that I owe this debt. Yet it still on my credit report. I have validated the validity of this debt over 5 times over the course of the past two years, and it has not been verified. XXXX XXXX is providing false and inaccurate information to the credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2023, Wells Fargo closed my XXXX XXXX credit card account without any warning or notice, several months after I signed up for the card and have been using and paying it. I learned this when a charge was declined, and I logged into the app and it says my card was reported lost or stolen. Since I didn't report it lost or stolen, I called customer service. They told me I need to speak to the fraud dept and transferred me. Fraud dept said my account was closed because Wells Fargo determined the application was fraudulent. They said I need to speak to application fraud dept to fix this and transferred me. Application fraud dept said they can't fix it, and I need to speak to customer service again, and they transferred me. Customer service said they will escalate this and someone will call me in 48 hours from the Customer Advocacy Group ( CAG ). No one called me, so I contacted CAG. CAG informed me there was no escalation done, and they will now escalate to the executive office and someone will call me in 48 hours. I am still waiting for that call, and at this point felt filing this complaint would be my best change for resolution, as Wells Fargo is a group of disorganized liars who have made no attempt to help me. I want to get this account reopened and for Wells Fargo to acknowledge that I did not fraudulently apply for a card in my own name, that I have been paying in full and on time. They have wasted hours of my time.
Product: Student loan

I have entered into a income based loan forgiveness program with XXXX XXXX XXXX and noticed Navient myself and through the company. Since then I have gotten conflicting emails telling me different things such as I filed for forbearance ( which I did not ) and then a day later that my payments would resume. I also stopped payments with them and my bank for autodraft. Twice they have changed the way they bill the account in order to obtain their money and I have had to file a fradulent activities note on my account in order to get my money back. At this point this is fraud and harassment.
Product: Vehicle loan or lease

Today XX/XX/23 i went online to the banksters website : V.W. Credit to get a payoff quote their website refuses to provide me with this information which is readily available to them, instead refers me to any V.W. dealer, its apparent they want to make this really difficult almost impossible to attempt to fraudulently force me into staying with this sorry customer service brand ( V.W. ) So i go to my local V.W. dealership in FL called XXXX XXXX. a very nice gentleman by the name of XXXXSales Mgr tells me he can not provide that information unless i leased the XXXX with them how can this be? He says he does not know why he can not provide the info since its right in front of him & available. Instead im told to drive an hour north to the dealership i leased it from. This is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to update my personal information because it has been given me problems with me logging in to other accounts with Government they been asking me about questions that does contains me which is causing them not to me able to verify me which has been cause delays with financial issues I need to update my address date of birth and job location I have a copy of social security card birth certificate and Driver license to prove my proof of claim of residence and date of birth and employment
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered a {$340.00} collection account on my Experian credit report reported by XXXX XXXX XXXX. I never received any prior notice about this debt. I immediately contacted XXXX XXXX, but the representative was extremely rude and hung up on me without offering a resolution. I also emailed XXXX XXXX  XXXX, the original creditor, asking for clarification and how to pay. They refused to accept credit card payments and did not provide an alternative solution. I was never given a fair chance to resolve the debt before it was reported, and this has caused serious damage to my credit and daily life.
Product: Checking or savings account

Over a period of six months, I have been trying to close my CitiGold bank account and they have either ignored my request., promised it will be close and didn't. I have placed at least 6 calls to the customer service department and every-time they explain to me their account closing procedure, I do follow it to later receive calls from agencies saying that I have an overdraft. 

There is nothing special about my account, and I now believe this could be a systematic process at CitiBank for people that want to close their accounts.