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

I received a credit inquiry report from XXXX XXXX. I checked it and it was not something I was aware of and not authorized anyone to do. I called Experian to remove the inquiry, and called XXXX XXXX to alert them that fraud was committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Business Office Phone Number ( XXXX ) XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Checking or savings account

I opened an account with citi and enrolled in the Citibank {$700.00} Checking Offer. 
The requirement that stated in the offer is in the following : To earn {$700.00}, complete these required activities* : 1. Make a deposit of {$50000.00} or more ( multiple deposits allowed ) in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within thirty ( 30 ) days from account opening.

2. Maintain a minimum balance of {$50000.00} in the eligible account ( s ) for sixty ( 60 ) consecutive calendar days following the date when you made the {$50000.00} deposit ( " Minimum Balance '' ). 

I have transferred the fund in XX/XX/ 2019, I was supposed to get the bonus by XX/XX/XXXX according to citi that " the cash bonus will be credited to your new checking account within ninety ( 90 ) calendar days from the date you complete all required activities ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$300.00} tuition balance issue from XXXX XXXX College of XXXX  XXXX end up with a collection company National Credit Management XX/XX/XXXX. After finding out about the collection and speaking with the school XXXX and to National Credit Management I was informed that if paid the collection would be deleted off my reports. I paid this debt on XX/XX/XXXX under the condition PAID FOR DELETION. However, this debt still shows as a collection account on my credit reports. I have spoken to National Credit Management and they state I have to speak to XXXX and when I call XXXX  they state I have to speak to National Credit Management. I am getting the run around after I did what I was supposed to do on XX/XX/XXXX so they need to honor their PAID FOR DELETION agreement. I've since graduated from XXXX and now back to fighting this battle to get this handled as accordingly. I have recently written a letter to several directors at XXXX and left a message for the dean 's office since National Credit Management will not do what they are supposed to do. They are the reporting company to my credit reports. Companies should not be able to treat consumers this way. I did my part so their part needs to be done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting a late payment after I paid my account in full. According to the FCRA information has to be accurate and correct and if anything is not accurate it has to be removed. 

Account name XXXX XXXX  Account number XXXX Account type XXXX XXXX Responsibility Individual Date opened XX/XX/XXXX Status Open. {$9.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$15000.00} Highest balance {$15000.00} Terms The statement attached shows that according to the statement the account was not past due.
Product: Credit card or prepaid card

I 've had an absurdly high interest rate of 24 percent on my 2 cards from this company. The only offer I 've received is for 19.9 percent variable apr for a 7 month period. I have not missed a payment on any payments on my overall credit for 3 years! My credit score is bordering on good at XXXX. I would love to pay more than the minimum payment each month but this outrageously high and unjust apr is making decreasing my balance a unfair challenge. Please assist me in this matter. Thank you kindly
Product: Credit reporting or other personal consumer reports

This version is slightly more formal and structured for clarity. I am writing to formally dispute several inaccuracies on my credit report that persist despite prior verification efforts, which indicated the information was accurate and verified report XXXX XXXX 

These discrepancies pertain specifically to my XXXX XXXX account ( XXXX XXXXXXXX ). 
1. **Past Due Balance on Charge-Off : ** The report shows a past due balance of {$190.00} as of XXXX, on an account that was charged off. It is unclear how this balance remains after the charge-off occurred. I request clarification on this issue? 
2. **Inconsistent Charge-off : ** The account was originally flagged for charge-off by XXXX XXXX on XX/XX/XXXX showing on your report. The payment summary shows a charge-off starting XXXX of XXXX XXXX. I request clarification on this issue? However, this account is listed as a charge-off under your XXXX XXXX : XXXX According to Experians glossary ( XXXX ), a charge-off does not have a recurring charge off code in the payment status of your glossary, yet my report shows recurring charge-offs each month. This does not align with CRRG guidelines and must be addressed. Given these inconsistencies, I request a full validation of this account, including a copy of the originally signed contract bearing my signature. Additionally, I would like to remind you that, as of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) amended the Fair Credit Reporting Act ( FCRA ) Summary of Consumer Rights. Consumer reporting agencies are now required to provide consumers with this updated summary whenever there is a request for disclosure of their consumer file. Please ensure this is included in your response. Thank you for your prompt attention to this matter. I expect a thorough investigation and the deletion of these inaccuracies. Proof of documentation is uploaded.
Product: Vehicle loan or lease

Everyone who has used this company has said they do things to add to their loan, we have made XXXX payments and they are saying were BEHIND XXXX payments. They have already reported negative activity to the credit places that effect our ability to rent. We had no idea that they did business the way they do or we would not have used them.
Product: Checking or savings account

I have a business account in BOA. I am the owner of the company. I usually use my mobile phone to deposit customers ' checks. 

On XX/XX/2021, I used my mobile phone to deposit a check for {$40000.00}. The next day, I couldn't log in to the online bank. I casually called BOA and said that my account had been closed. The funds in it were being reviewed by the relevant departments of BOA. After the review, the balance, about {$42000.00}, would be sent to me by check. 

For nearly four months now, boa still hasn't sent me the check. Every time I calls, he just says that they are reviewing, and can't reply when the review ends or any other questions. 

I want to get my money back as soon as possible, or they can return the last {$40000.00} to the customer who paid me. 

Please help me, thank you
Product: Credit card or prepaid card

I am TRULY angry with Capital One I have insisted with several letters that I want to continue with dispute as I am negotiating this charge with ASSUMPTION. I send a explicit letter stating I am taking legal action now and continue this dispute. YET i see Capital rebill charge on XX/XX/XXXX, {$210.00} Please credit XXXX  again XXXX as I am disputing with Assumption still! 
If this continues to happen where I am not the customer in control I will use other credit cards i await XXXX {$210.00} I have given fully my side of dispute. Assumption ignores all circumstances of my dispute and tells Capital no details behind the dispute
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Block , Inc. and XXXX for failing to properly investigate my disputes regarding my money refund and inaccuracies in my credit report. Despite my submissions, Block , Inc . 
consistently responds within 24 hours stating the account is accurate, without providing any refund or evidence of a thorough investigation same as XXXX did. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. FurthermoreXX/XX/XXXX 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Also This violates the FCRA 1681i and CFPA 5536 ( a ) ( 1 ) ( A ) - ( B ). CFPB File # 2025-CFPB-0002 shows similar violations. Requesting compliance with federal law and proof of dispute investigation.
Product: Credit reporting or other personal consumer reports

I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.
Product: Debt collection

Afni stated they would sue me if I did n't pay them the required amount of money owed. This company needs to be investigated.
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. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$25000.00}
Product: Debt collection

XXXX put a medical bill on my credit report and i informed them that it should be send to XXXX XXXX  and they send the bill and XXXX XXXX paid the bill but they still have it on my credit report and i want it removed off my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Product: Credit card

On XXXX XXXX I made a {$2000.00} payment. The website glitched and my payment was not posted. I called in to let them know and wanted them to adjust my interest since it was discovers website that malfunctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I sent dispute letters to XXXX, Equifax and XXXX to dispute inaccurate and obsolte information appearing on my credit report. To date, I received a " stall tactic '' letter from XXXX which simply said that they received a letter from me and if it was from a credit repair company, there's no need, they can help me but did nothing to satisfy my concerns and to date, I have received no reply from XXXX or Equifax. They ignored my inquiry. Their lack of response has left me feeling stressed, frustrated and as though I am not valued and that my rights under the Fair Credit Reporting Act don't matter.
Product: Vehicle loan or lease

On XX/XX/year> our vehicle was in an accident resulting in total loss. XXXX XXXX XXXX company sent a check for {$12000.00} to Ally leaving a balance of {$770.00} for our gap insurance to pick up. It took XXXX weeks of back and forth with Ally to get the information needed for our gap insurance. On the same date that the XXXX was finally processed, Ally returned the {$12000.00} check to XXXX XXXX stating that the check was improperly endorsed. They had retained the check for XXXX days, it had been processed, had cleared the insurers bank account and been credited to our loan. Upon getting a copy of said check from the insurer, it was obvious that the missing endorsement was the back of the check where ally should have endorsed it to be processed. Ally demanded a new check from the insurer, and put our account into collections stating that because they had to return the insurance check, that we were now 2 months behind. They have reported 60 days late on our credit at this point and dropped my wifes credit score over XXXX points. The only mistake made was on allys part for not signing the check. Yet my wife and I are being punished for their mistake. I have waited XXXX days now for a supervisor to call me back from ally. Every time I call they send me to the collections dept.
Product: Credit reporting or other personal consumer reports

There are several inaccurate late payments on my consumer report. I am demanding that these companies show me concrete proof that I was ever late on any account by sending my the accounting records of each following account number. 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 Pursuant to 15 U.S. Code 1681i I am also requesting the procedure you used to " verify '' these inaccurate late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit profile on Experian regularly due to having been a victim of fraud in the past. I checked my Experian info. on Monday morning XX/XX/20. No problem. When I returned home at night, I checked my info, it said Experian updated my new email address. I didn't add a new email address. So I went to Experians website to log in and it said it didn't recognize my user id and password. And just like that, here I am again. I can't access my own information on Experian. I tried to freeze my account, and it said it couldn't do that. So I froze my account using XXXX  and XXXX. I did this on XX/XX/20. They have people you can talk to when you call, not Experian. So I locked my credit and froze my accounts using XXXX  and XXXX  and can not access my account on Experian. All of the phone numbers at Experian lead to nowhere ... .no human contact. No help available. Using XXXX  XXXX XXXX, I can't even pull my credit report for Experian.
Product: Credit reporting or other personal consumer reports

Fraudulent credit companies pulled my credit report without my consistent as identity theft The Fair and Accurate Credit Transactions ( FACT ) Act ( PDF ) requires financial institutions with covered accounts to develop and implement a written identity theft prevention program designed to detect, prevent, and mitigate identity theft in connection with opening new accounts and operating existing accounts. These Are fraudulent accounts that keep appearing on my ( XXXX Report ) There ARE ( XXXX ) FRAUDULENT INQUIRIES FROM COMPANIES I DID NOT GIVE PERMISSION TO PULL MY CREDIT REPORT IN NO WAY Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Company : XXXXXXXX XXXX Date : XX/XX/XXXX Company : XXXXXXXX XXXX Date : XX/XX/XXXX Company : XXXXXXXX XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX  Date : XXXX/XXXX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting inaccurate information regarding accounts and personal information about me.
Product: Credit reporting or other personal consumer reports

The account was opened on XX/XX/XXXX, by XXXX XXXX and XXXX XXXX with XXXX XXXX as a student loan for {$25000.00}. My social security number was used as a co-signer without my knowledge. The account was opened online, with no signature required. I discovered this fraudulent account in XXXX when XXXX XXXX started falling behind on payments. I confronted him via XXXX, but he blocked me. I then confronted XXXX XXXX, who refused to pay. Subsequently, XXXX XXXX passed away due to XXXX. XXXX XXXX, now an adult, left the United States for XXXX XXXX, beyond the reach of U.S. law. As a last resort, I reported the forgery and fraud to the police. I also submitted evidence to XXXX XXXX, but they claim they can not find evidence of fraud or identity theft. The amount has increased to {$36000.00}
Product: Prepaid card

i have already contacted cfpb in the past about bank of americas procedures. they are giving me issues with my claim i have been trying to file for over a year now. i was finally able to file the claim now they keep wanting me to go on and verify myself over and over again
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a vehicle with financing through Credit Acceptance Corporation, but the only way they would finance is if I also purchased a warranty for almost as much as the car. Made payments on time for over a year, then the engine overheated and it blew. Warranty refused to pay. Gave the car back in XX/XX/XXXX. 
* As of XX/XX/XXXX, account listed as CLOSED : written off/collection. 
* Then on XX/XX/XXXX, account changes to OPEN : past due 180 days, no payment since XXXX Credit score drops 100 pts. 
*On XXXX XXXX, account says OPEN : Affected by natural or declared disaster. 
Score rises 83 pts. 
* On XX/XX/XXXX, account say OPEN : Remark removed. Down 100 pts again,. 
I've disputed 3 times with no results. This is malicious, confusing and frankly, childish. 
I am retaining an attorney if this continues.
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 violates the Consumer Financial Protection Act. 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

I got an email saying i could refinance and pay less on my payment which worked for me and I called because I got paid the following day was promised it would be fine and work and they would postpone the auto payment. next day it wouldnt let me refinance called in and was told it would be investigated and not to worry it would be handled same day and I would get a call back and never did. NOTHING BUT LIES from company
Product: Credit card or prepaid card

I have been a Bank of America credit card customer since the late XX/XX/XXXX. Until recently their service has been excellent, but this XX/XX/XXXX I had my credit card compromised. I was issued a new card by B of A and I destroyed my old one. But evidently, B of A did not close down the old card number, rather they left it active and fraudulent charges made on it rolled over to my new card. Now, this month, THREE MONTHS after the old card was supposedly deactivated by B of A, I have fourteen fraudulent charges show up on my statement from the old card number. After multiple phone calls to the B of A fraud line, I think I have it resolved but it took me five days, with a phone call and long waits on hold each day. I was given three incorrect numbers for the fraud dept. before finally getting the correct number. Even with that, I usually end up with a customer service person when I call it, rather than the fraud dept. and so get transferred and have to wait again and again. I have talked to no less than a dozen people while trying to remove the fraudulent charges. If this is happening to others, I wonder if B of A is scamming the cash flow by leaving charges on statements, then dragging their feet when resolving them for their customers. Or are they just extremely incompetent now? Either way, I am considering closing my account and getting a card through another bank. Very inconvenient and stressful, a big waste of time for me, the 'valued customer '.
Product: Mortgage

PHH Mortgage 's website does not have the Make a Payment option available. They also do not have a contact phone number on their site to help me talk to a representative to report the issue and make a payment by phone. There are other XXXX reviews regarding the same issue. It appears that they are making it hard to make a payment online to be able to incur late fees.
Product: Checking or savings account

My complaint is with XXXX XXXX XXXX On 4XX/XX/XXXX at XXXX XXXX, I went to the bank to cover my overdraft that came in on XX/XX/XXXX. PNC 's policy is if a check comes in on the day, you have until XXXX XXXX to get the money into your bank account, which as I stated, I made my deposit at XXXX XXXX. When I made my deposit, I was {$0.00} cents overdrawn, however, PNC would be able to get the {$0.00} cents from my checking account as I have overdraft protection. When I looked at my balance, it stated I was ONLY {$0.00} overdrawn and I also called on the telephone to check my balance at XXXX XXXX, the telephone banker reported that I was {$0.00} overdrawn. Again, they could pull the {$0.00} from my OD protection account. As far as I could tell, my account was OK. Today, XX/XX/XXXX,  when I checked my balance, and to my surprise, I am charged with a OD charge of {$36.00}. There was no indication that anything else was pending in my account. If so, I would have put that money into my account to avoid an OD charge. That is why I was at the bank last night to avoid an OD charge, however, this morning, my account is showing a {$35.00} amount that was not showing last night. PNC does this all the time. Why is it that that XXXX was not showing up when I went to the bank last night at XXXX XXXX. This bank does things like this all the time. 
Apparently, this amount must have came from my debit card. Again, had that XXXX been pending last night at XXXX XXXX, I would have paid that too. I had the money to put in the bank, however, again, my account was ONLY {$0.00} overdrawn. 


PNC is a bank that likes to take fees. I would like to have my XXXX because last night, I satisfied my account and anything else that showed up, showed up on the next day, because again, last night, I was ONLY {$0.00} OVERDRAWN and as far as I know, the bank should not charge you an overdraft fee for less than {$1.00}. I have my PNC deposit receipt from XX/XX/XXXX at XXXX XXXX and again, it does not state any {$35.00} charge, had it, I would have put that in my account. 

Again, I would like PNC to return my {$36.00}, as they hid the {$35.00}. Again, the {$35.00} did not show as outstanding in my checking account last night.