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

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked inaccurate Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States i have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written permission.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I was approved for an  XXXX   XXXX  Citi credit card. As part of the agreements, to earn  XXXX  miles, i had to chsrge  XXXX  in the first  XXXX  months. upon receiving my card, i began using my card and i had no issues. I was approved with a  XXXX  limit. Today i used my card while on vacation and was declined. still  XXXX  plus available. when i contacted citi from my cell phone which i provided at application, i was advised since this phone was not in my name they could not remove the fraud alert. then they said if i had another credit card, they could validate my identity. i provided them my chase credit card number so they could validate. after citi called chase, now  XXXX  had added a fraud alert on my account. i was advised that i need to send my a copy of my Dl # and ss # to remove the fraud. i am not home and i dont carry my ss card with me. to protect me from fraud, perform all these steps before you approve. dont approve me, then put a fraud alert on my account, and then ask for another credit card then cause another fraud alert while im on vacation.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I am a citizen of XXXX. 

In XX/XX/2023, I used my debit card in order to buy an expensive XXXX XXXX on an online web shop that has been very professionally done. I got a confirmation of buying an XXXX XXXX for XXXX EUR ( see invoice invoice_krak.pdfin attachment ). In reality the web site happened to be a fake and disappeared after several weeks and some criminals used the information that I provided on this fake web site about my credit card and my driving license in order to buy Bitcoins on a US bitcoin market Kracken.com. 

My bank made a Cashback request to Kraken.com, and they got a printout of bitcoin purchase ( see bitcoin_purchase_by_criminals.pdf in attachment )., but Kraken refused to pay money back saying that I authorised buying of Bitcoins and got the product. 

I want to state clearly here that : I NEVER authorised any Bitcoins purchase and never provided Kraken with my driving licence information. Criminals did it instead of me.I NEVER got these Bitcoins. 

I contacted Kraken.com and asked to help me to solve this case, however got an answer from their legal that they are not giving information to private persons about OTHER peoples accounts, they can only talk to police. ( see " mail from Kraken support.pdf '' ) I do not agree with Kraken due to several reasons : 1. The account is MY ( not OTHERS ), it has been created using MY driving licence data and MY credit card data.

2. The Kraken.com has severe problems in the way they sell their Bitcoins. Knowing the nature of the cryptocurrency : a ) they did not check that my driving licence was real. XXXX can be used in order to change picture or any data in it. 
b ) they did not check that the Driving licence/Credit card data has not been stolen or blocked ; c ) they did not check that I am still alive ; d ) they did not check that I personally confirm this transaction and not forced to buy Bitcoins by criminals in ANY way e ) they allow third party members ( criminals ) to open accounts using not their own ID/credit card data. 
f ) they send information about Bitcoin ( money ) value and key to Bitcoin to any email address provided by criminals without checking that email address belongs to the owner of ID card/credit card 3 ) By doing items under 2 ) Kraken indirectly support criminals, who knowing their weak points create fake web shops and steal peoples money together with Credit card and ID cards data. 

I contacted XXXX  police and they opened the case, but they can not help me because XXXX  police does not have International authority to deal with a company registered in US. 

Please help me to get my money back. XXXX  EUR is a big amount for me. I don't know whom else should I ask... 

Thanks in advance. 
XXXX XXXX
Product: Checking or savings account

As of XX/XX/year>, XXXX XXXX  XXXX, I havent received my direct deposit. I received an email on XX/XX/year> from my bank advising the issue with deposits would be resolved this morning, however, it has not. I have been unable to access funds deposited for my paycheck in order to handle and maintain personal matters. I called them and was advised by an automated system that it was being worked on with a third party vendor, but no additional details on when this issue would be resolved or the funds available in my account.
Product: Student loan

In XX/XX/XXXX, we started getting loan with Sallie Mae/XXXX the total amount borrowed is over 90,000, The interest rate is from8 % to 10 percent. I was the co-signer because the Representive said my daughter did not have credit and her income was not enough to get a good interest rate at a low rate and suggested that I co- sign with her on the loan. I did with the intention that the instrest rate be low because of my excellent credit. This was not true. They intern charged the highest rates with my good credit. From XX/XX/XXXX through XX/XX/XXXX they continued to use my good credit and still charge the highest rate. I am formally filing this complaint requesting reimbursement for all the interest and the misleading advertising and not using my good credit as a co-signer. The misleading advertising of interest rate. I only co-cosign to help my daughter get a get rate for her loans. But they yet charged a high rate. They used my information with not results. They mislead me and my daughter and caused pain and suffering because we have to pay back on higher interest than other races. This is unfair, misleading and false advertising. Getting a loan was confusing false advertising and they used marketing, high-pressure sales tactics, financial aid services, to recruite my daughter for a fraudulent loan. A resolution for this matter is to give us back pay with the interest they acted on us. My contact information is XXXX XXXX or XXXX XXXX our phone numbers are XXXX or XXXX.
Product: Vehicle loan or lease

I already have a pending complaint with TD Auto Finance with them deducting a extra payment from my bank account. On XX/XX/XXXX a representative from TD bank called in regards to the previous complaint. He had told me to cancel my fraud claim with my bank which is XXXX XXXX XXXX. I explained TD bank can not refund my money it will take 30 days or even to mail a check will take 5 to 10 days I have other bills to pay and my bank can return my funds by today. At that point the representative told me because I chose to do this thru my bank my TD auto finance account will be charged a overdraft charge per my contract. I explained so TD bank took an extra payment from my bank account and because I want my money back TD bank is going to charge me a return check fee. The representative that called me was threatening in demeanor and I told him I will file another complaint this is wrong and customers should not have to suffer for their mistakes. I never been late on a payment and always paid ahead.
Product: Credit reporting or other personal consumer reports

Please remove these false and illegal accounts found on my credit report that do not belong to me. i need this serious error corrected and these accounts removed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, Discover  has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

This is the second complaint about XXXX XXXX. I opened the about a couple of months ago withdrawing {$1000.00} from a XXXX XXXX  Account. The XXXX XXXX  has to be listed because the funds came from one of my XXXX XXXX  accounts. Someone called me but spoke so fast I couldn't understand anything he said. I just want my money back into the XXXX XXXX  account from which it came. 

Bankers have no brains anymore. I am disgusted and annoyed! 

XXXX XXXX XXXX Also I am in the process of moving
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance {$0.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Debt collection

I have sent all 3 credit bureaus letters about these fraudulent accounts on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Its been over 60 days. XXXX requesting that these accounts to be removed immediately I have uploaded my Id and current address, social security card and FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a 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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 violation thank you and have a blessed day.
Product: Student loan

For over 3 years I have tried to have XXXX XXXX and now Navient send a monthly billing statement to the student for her loan. 
As of today that is still not happening. 
I have called, I have sent emails, etc. 
There web site does not allow for this request. 
The loan number is XXXX
Product: Credit card or prepaid card

I filed a claim for unauthorized ATM transactions on my Bluebird American Express account. The claim was for $ 3k+ in fraudulent transactions. They research for one whole day before declining my dispute. The reason they gave was there was no error. No other explanation. I dont think they even researched my claim. Also, Ive previously sent them two dispute letters and they claim they never received them. I dont believe that for a minute! They just dont want to honor their zero liability policy. Im including the original letter I sent to them. The transactions are as follows ... 

XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$700.00} XX/XX/XXXX for {$700.00} XX/XX/XXXX for {$200.00}
Product: Checking or savings account

In XX/XX/2022 my debit card was stolen from my cash app account and over {$3000.00} was used and unauthorized on my account. I have contacted Cash App several times trying to speak to them about it and get my transactions disputed and they just put me on hold and never come back on the line or say they will send me an email and I never receive one.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute several inaccuracies in my personal information on my credit report that need to be corrected. My legal name is XXXX XXXX, and any other name variations should be removed from my report. Also, there is an inaccurate address listed on the report that does not belong to me and should be removed. The only address I have recently lived at is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. These mistakes could affect my credit, and I believe they violate the Fair Credit Reporting Act, which mandates that credit reports be accurate. I respectfully request that TransUnion update my report with only accurate and verified information. Please provide me with written confirmation once these corrections are made and send me an updated copy of my credit report.
Product: Debt collection

BMG continues to call, text, email me all day. Their electronic messages offer me no option to opt out of electronic communication.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting

Equifax did not provide me with documents that collection account belongs to me.
Product: Mortgage

My house appraisal is at 250k+.i owe XXXX on my house, Still PennyMac insists on charging me for mortgage insurance.I want mortgage insurance canceled since i have 120k+ equity in my house.
Product: Checking or savings account

I attempted to order a XXXX XXXX XXXX XXXX  online. My order processing failed. My bank statement showed three attempts with a " PROCESSING '' status to charge my account for XXXX from Intact Idea. My account balance decreased by XXXX as I observed in XXXX XXXX with concern, dropping from XXXX to XXXX. I contacted the vendor who informed me that none of my orders were successful. 

This morning when I checked my account balance, the XXXX processing charges had disappeared, but my account balance remained at XXXX. I called Bank of America for clarification and was informed by the assistant that XXXX attempts had been made and all " REVERSAL '' status transactions had been processed. No such records appear in my account history, and my cumulative account balances have been adjusted ( down ) from the previous day 's numbers preceding the processing transactions. 

I'm in the process of self auditing my bank statements to determine how much money is actually missing from my account along with my payroll stubs. At best, what's happened here is a terrible User Experience design in the web interface of Bank of America 's account management software. Right now, I'm currently under the impression that an unknown amount of money has been stolen from me, at minimum XXXX dollars.
Product: Credit card or prepaid card

I communicated with Capital one XXXX XXXX. Then again XX/XX/XXXX. I was told I would be refunded 3 late fees. After this, this city was shut down due to Corona Virus. I again communicated this time I was told no payments are required during the shutdown. 
I made payments as I promised. Capital one now says no record exists and they will not correct the wrong information on my credit report even after I paid as I promised. 

My credit report shows late payments and a reduced credit limit.
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/2020 {$69.00} each day I have attached the information regarding the situation. 

I have been fighting this for over a year and have provided proof of what they asked. They have yet to provide proof on their end, as they just keep sending a letter stating that the charge is valid. The charge had a different phone number, as they asked me to provide proof of my phone, which I did and they said they would take care of this fraudulent charge. This charge is fraudulent and I even paid to get it notarized that everything I am stating is true and the XXXX charges are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$1600.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account.
Product: Payday loan, title loan, personal loan, or advance loan

I hope this message finds you well. I am writing to formally address my recent experience with your company regarding my loan application. 

I would like to bring to your attention that I possess a credit score of XXXX, which qualifies me for the loans offered by XXXX. Additionally, I have successfully paid off XXXX accounts with your institution. However, I have encountered difficulties in obtaining approval for my loan application. 

It has come to my attention that my application is being denied despite my qualifications, which raises concerns about potential discriminatory practices within your company. I have previously filed complaints regarding the treatment of XXXX XXXX XXXX in the loan approval process, suggesting that we often receive less favorable options compared to XXXX XXXX XXXX XXXX XXXX XXXX 

I believe these issues warrant serious attention, and I am prepared to escalate this matter. I intend to report my concerns to the Better Business Bureau and pursue a discrimination suit against XXXX if necessary. 

I hope to resolve this matter amicably and look forward to your prompt response. 

Thank you for your attention to this serious issue.
Product: Debt collection

This is a medical bill from my ex husband. When this bill was made, we had been divorced a year. This has nothing to do with me and I have repeatedly told  XXXX  this. It has been since  2007  and I want it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have an inquiry from XXXX XXXX XXXX and I dont have an open account with them. They need to immediately remove that inquiry from my report XXXX XXXX and XXXX. This is making my credit score look horrible. I need them to remove that from my credit report immediately. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.