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

The credit reporting agencies are showing payment history on a closed account with XXXX on my profile. It has negatively affected my ability to secure credit and loans. Title 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. I have disputed this with TransUnion & XXXX to delete the payment history, but they have not.
Product: Debt collection

I am a victim of identity theft in which it has resulted in multiple accounts of different varieties has been opened in my name. I have been reporting this information to XXXX, XXXX, XXXX on numerous occasions. They each have failed to investigate this matter properly. I sent in a XXXX letter requested that all items be removed and yet these items still remain on my credit report. All items have been reported to the FTC as well. I have sent in my ID SSN and also letters requesting to remove incorrect information off my correct. My rights are being violating by XXXX, XXXX, XXXX and Im in the process of seeking litigations. There are multiple inquires wrong names and address and fraudulent accounts located on the credit reports. I was also told that there is another account from another person with a similar name who's information was merged with my account. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Checking or savings account

on XX/XX/XXXX I was approved for a XXXX  checking account and noticed I could only log in on my PC, but not on the mobile app. after a couple of days, I noticed I could no longer log into my account on my PC. I decided to wait some days for my debit card to arrive to try to re-enroll in online banking. I couldn't activate the card online and so I had to call support. support told me that my account was in the process of being closed due to suspected fraud. they had not even sent out an email or anything saying in advance about my account being closed. I have yet to receive my check of the initial required deposit, but I will wait as mail can be slow.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account appears twice on my XXXX report. I did not receive a 5 day notice as by law according to the F.C.R.A. which didn't allow me to let this company know I would dispute. This company is not licensed to collect in the state of Florida either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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

Due to marital problems, we have applied for a short sale with Chase bank. I also have an attorney who was retained to help with foreclosure defense. Because of this, Chase will not allow the mitigation company who is negotiating the short sale to discuss the account, even though I have signed an authorization and my attorney has also sent a written, signed letter verifying that they are authorized. Chase has promised the negotiators on more than 15 occasions that they will get a call back from the appropriate department, and no one has ever called them. Since XX/XX/2017 I have submitted 2 different complete applications for assistance and have not once receive a response from Chase. We have gotten their foreclosure attorney involved as well and they have not been any assistance in seeing why Chase will not communicate with anyone about the short sale specifically. I am afraid that I am not getting a good chance at avoiding the foreclosure and we have had a viable offer on this home since XX/XX/2017!
Product: Debt collection

The company calling leaves messages telling me that they are going to serve me at work or home and i have asked them please discontinue to call me they have not and i ignore them so now they are calling my wife 's mom telling her my business.
Product: Credit card

Dear CFPB, I am writing to file a complaint against American Express regarding misleading information that led to an unfair credit limit reduction. I reached out to their customer service team seeking a payment plan to help with temporary financial hardship due to a recent home purchase and travel. During this process, I was informed that the reduction in my credit limit would be temporary and last only while I was in the program. However, I later discovered that the credit limit reduction would not be revised until XXXX year after exiting the program. 

Had I been provided with accurate information, I would have declined the program due to its negative impact on my credit score. When I tried to withdraw from the program the same day, I was told it was impossible to remove it from my credit card, despite being informed prior that the adjustment would take more than XXXX hours. This immediate implementation of the limit reduction compounded the misinformation. 

I request your assistance in addressing this matter and ensuring that American Express corrects this situation. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was taken, and I was blackmailed to send the recipient money under the guise that I was sending money to my fiance in the XXXX. I have all the records, including what bank the money went to, down to the account number and city. If there is any way we can locate that money and put the scammer behind bars I am willing to cooperate. This was done against my will. 

This incident took place on Monday, XX/XX/XXXX in the morning, around XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account, and had me send {$1900.00} to an account in tXXXX XXXX XXXX XXXX XXXXXXXX. That account is still open and action can be taken against it. They tried to do another money transfer by me but by this point I decided to fight back. 

At that point I decided to fight back. I contacted my bank and closed off all of my accounts and also filed for a claim/dispute, and put in my statement. The second transaction never went though but I'm still missing the first amount that was taken, {$1900.00}. Again I'm willing to cooperate, if there's a chance I can get my stolen money back, I will do it.
Product: Debt collection

COLLECTOR FAILED TO VALIDATE DEBT AND IGNORED CEASE AND DESIST AND DO N'T CALL ME OR OTHERS. ON XX/XX/2017 XX/XX/2017 MY FAMILY MEMBER REC 5 CALLS ON HIS CELL NO XXXX. WENT ON CREDIT REPORTS. 
CALL REC FROM XXXX
Product: Checking or savings account

I am filing this complaint against Capital One regarding an unauthorized deduction of {$100.00} on XX/XX/XXXX from my rewards account due to an error on their part. Despite multiple calls and assurances from Capital One representatives that the issue would be resolved, my funds have not been reinstated. 

XXXX XXXX : XXXX. I had autopay enabled for my Capital One account, and on XX/XX/XXXX, my bill of {$6900.00} was successfully paid. 
XXXX. I later received a bill reminder, leading me to believe the autopay did not process. I then manually paid the {$6900.00} again through the app, resulting in a duplicate charge. 
XXXX. I contacted Capital One to request a refund, and they offered to issue a check. Check was issued on XX/XX/XXXX XXXX. The check was issued but never received. Given that it was around XXXX, I was concerned about potential fraud and called Capital One again to cancel the check. 
XXXX. Capital One agreed to stop the check and instead deposited the refund directly into my account. 
Capital One deposited check back to my account on XX/XX/XXXX XXXX. At the same time, Capital One wrongfully deducted {$100.00} from my rewards account without explanation. 
XXXX. When I contacted Capital One, a representative confirmed that the rewards should not have been removed and assured me they would be reinstated. 
XXXX. Since then, I have made multiple calls regarding this issue, but Capital One keeps postponing the resolution with no clear timeline or result. 

Steps Taken to Resolve the Issue : - I have contacted Capital One multiple times and escalated the issue internally. 
Call Logs : XX/XX/XXXX XXXX number XXXX XXXX XXXX XXXX opened regarding wrongful deduction of {$100.00}, given time to resolve the issue is XXXX business days. 

Unknown date Call was made to follow up the case Ive been told that due to the amount of cases, the resolution will take up to XXXX business days XX/XX/XXXX Manage badge ID XXXX XXXX I was told the resolution will take XXXX business days, no explanation regarding the issue XX/XX/XXXX Manage badge ID UCE XXXX I was told the resolution will take XXXX business days, no explanation regarding the issue XX/XX/XXXX Manage badge ID XSM XXXX New case number was provided XXXX XXXX XXXX XXXX I was told the resolution will take an additional XXXX business days, no explanation regarding the issue. I informed the representative that I will be filing complaint. 

- Their representatives have acknowledged the error but have failed to reinstate my rewards. 
- Each time I call, they push back the review date without resolving my complaint.
Product: Credit card or prepaid card

I was pre-qualified for a card, then rejected after applying. That was deceptive to pre-qualify me and then continue to reject me.
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 U.S.C 1681. ACCOUNT Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 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. 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. Also, this inaccurate personal informations : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Please delete these items ASAP.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan from XXXX XXXX XXXX XXXX opened on or around XX/XX/year> account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have violated my federally protected rights ; both companies are affecting my way of living by reporting know errors eventhoughf i have disputed or informed them of Inaccurate score reports, cautmy to deal with adverse actions when applying for family & household items. 



XXXX is reporting one score but on XXXX  its another score Transunion is saying my score is XXXX but rating & account are better than the other bureau 15 usc 1681 A4 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681s2 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: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to be timely and effective in preventing fraud on its platform, leaving my account vulnerable and unprotected. The dispute process was unfair and deceptive and did not qualify under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused inconvenient and financial loss, and I seek appropriate redress for the violations.
Product: Mortgage

On XX/XX/XXXX we finance our home with XXXX under a conventional loan 80/20. In XXXX they should the second mortgage to HSBC. In XXXX, we became behind on our mortgage and needed to modified or foreclosure would begin on the home. In the process of modifying the home, we told that both loans would be included so we pay on the modification until it was finish and now only one loan remains so we thought. Our home loan has be sold so many times by XXXX XXXX XXXX until it not funny. Now we are in XXXX, and now we are wanting to sell our house but can not because a lien is on the property held by HSBC. Wow, the second mortgage shows up finally as I did my work the loan is inactive and has been charged off as of XX/XX/XXXX. There is no record of it appearing on our credit at all but the title company will not close on the home until lien has been release. I have mail paper to HSBC address XXXX XXXX XXXX in XXXX XXXX ILL. No one as of yet has notified me of receiving the information. I am frustrated with the whole matter. Could you please assist.
Product: Credit card or prepaid card

I received an unsolicited credit card from Comenity Bank. I didn't want the card so I never called to activate it. Several weeks later I received a statement from Comenity Bank showing I owed more than {$30.00} in streaming charges from somewhere in XXXX. For the record, I live in Colorado and haven't left the state in more than four years. I called the bank repeatedly to report fraud but was always connected to someone who didn't speak intelligible English. I also sent a letter and an email to the company but received no response. I finally got the account closed on XX/XX/2023, but the fraudulent charges were not removed. Now I have incurred late charges and the balance due is {$100.00}. Please help me get this resolved. I'm semi-retired and do not have the resources to pay for some strangers ' hotel XXXX ( if that's what it was ). 

Card number is XXXX
Product: Debt collection

Alpha Recovery XXXX continues to harass me and my family with phone calls, disregarding written directives from me to immediately cease and desist. It was confirmed that the person whom they seek is someone else. I emailed them in XXXX 2016 and again, in XXXX, after continued harassment. The calls from Alpha are stressing out my elderly mother, exacerbating her ailments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and there's accounts reporting on my credit file inwhich I have absolutely no knowledge. Therefore, I'm demanding that these accounts be blocked and removed immediately. If you or your company do not then please show physical cause why you still reporting these unauthorized accounts. Please remove immediately these accounts. 

1 ) XXXX XXXX XXXX 2 ) US Dept of Education {$1700.00} 3 ) US Dept of Education {$3100.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX
Product: Mortgage

I walked into the Loancare office, paid my XX/XX/2020 mortgage payment with a money order and got a receipt. Not only did they falsely accuse me of not paying my XXXX mortgage payment but they applied it to the wrong account! I have three accounts with them, and I told the woman at the front desk that I wanted the payment to go to my main account. The receipt she gave me states that it was applied to the account number on my billing statement yet a supervisor told me it was my fault that it was applied to the wrong account! They have charged me FIVE late fees! They are charging me late fees for not paying a late fee for XXXX ( which was their fault ) and for XXXX which was my fault. 

I have not missed ANY mortgage payments, and these late fees total {$690.00}! My late fees are normally {$130.00}. XXXX hasnt even arrived yet and they have already charged me a late fee!
Product: Debt collection

Upon checking my credit report, I saw that Midwest Recovery Systems had placed XXXX separate accounts, which I have no knowledge of, on my credit as a negative collection. XXXX for {$300.00} and XXXX for {$270.00}. The so-called creditor is Purchasing Power? I have no knowledge of these accounts. There was no account numbers provided. I have had no contact from this creditor at all. I have sent a letter of complaint to Midwest Recovery Systems. I am a XXXX, and it is possible that this debt is my father 's. But I am leery of that also.
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. 

XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete or not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX Balance : {$7.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Select Portfolio Serving is in Violation of the FDCPA AND MANY OTHER FEDERAL AND STATE AND LOCAL LAWS THE CFPB HAVE THE DUTY OF INVESTIGATE UNDER S.1383- COSUMER FINANCIAL PROTECTION BUREAU ACCOUNTABILITY ACT OF 2015/ SENATE -BANKING, HOUSING AND URBAN AFFAIRS .SPS HAVE VIOLATION NOT ONLY BY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE BUT TRYING TO COLLECT MONEY FROM ME A XXXX US CITIZEN WITH NO LEGAL STANDINGS, IN LAST communication FROM SPS FAIL TO TELL ME THIS IS A ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAIN WILL BE USE FOR THAT PURPOSE SPS HAVE MY CONSENT TO RECORD THE CALL IF THE CFPB OBTAINE THA LAST CALL TO VERIFY MY ALLEGATIONS
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXXXX/XX/XXXX