23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The following addresses are also in violation of my consumer rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1986 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. 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. 
I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To date, the following accounts still appear on my Experian credit report ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX. Inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX on XX/XX/XXXX. 

Pursuant 15USC A 1681 2A ( i ) a consumer report does not include ; Any report containing information solely as to transactions or experiences between the consumer and the person making the report. ( B XXXX Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

15 USC 1681b ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have requested proof of my written instructions a consumer to provide those companies with my information, and a signed and notarized affidavit of fact dispute each item. I have not received one.

I requested a copy of my credit file as described in 15USC 1681 ( g ) ; File means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. I have not received it.

Pursuant to 15 USC 1681a ( q ) ( 3 ) Identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 

I filed the appropriate identity theft report indicating that my information had been released to companies without my permission and requested a block. The block was never provided.
Product: Prepaid card

It is astonishing how bad financial services can be. Businesses like American Express can do whatever they want, profit from it, and customers are left with absolute zero protection. 

I have an American Express digital prepaid card that can only be used online ( digital, not physical card ). 

I tried to use at XXXX XXXX XXXX XXXX to purchase entrance tickets. Transaction denied. Tried again, transaction denied. 

I was forced to use another card to pay for it ( it was accepted immediately ). 

I called American Express customer service. First, they don't really offer an option to talk to someone. I had to pretend I wanted to purchase a new card to reach an agent. The agent that answered, named XXXX, was horrendous. He was unfriendly, confusing, was arguing with me, asked me to spell my whole name even though I gave him full card number, and at the end said it was declined due to safety reasons. He said I can try to use somewhere else online. 

Safety reasons? I tried to use it online in a well known place ( XXXX XXXX XXXX XXXX ). It is absurd to decline this transaction. 
There was no way to ask them to allow me to process the transaction again. 

I deeply regret purchasing an American Express card. 

Not only that, it saddens me to see this kind of service being accepted by regulators.
Product: Credit reporting or other personal consumer reports

I am writing to you for the third time. I have tried to contact the creditors and the credit bureaus and I have not gotten a response from you. I need you to please help me eliminate the following late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  What the bureaus are doing is a total mistake. I really need your help. It is affecting me in obtaining a house for my children
Product: Checking or savings account

Citibank has charged a monthly service fee for the months of XXXX, XXXX, XXXX of 2021 claiming low balance even though balance was over the required amount. After contacting the bank ( case XXXX as per communication with Citibank on XX/XX/XXXX XXXX EST ) the monthly service fee was reversed butonly upon request.
Product: Mortgage

We purchased our home in XX/XX/XXXX. We refinanced our mortgage in XX/XX/XXXX. Shortly thereafter, Wells Fargo took over the mortgage. 

In XX/XX/XXXX Wells Fargo did an escrow review and mistakenly read the annual taxes on the closing disclosure. The taxes were listed on page 2 of the disclosure as " to XXXX XXXX County ''  .... {$910.00} and " to School District '' ... {$2800.00} for a total of {$3700.00}. On page 4 of the  disclosure the " Escrowed Property Costs over Year 1 '' are listed as {$4200.00} and include the homeowners insurance. In their initial escrow review in XX/XX/XXXX Wells Fargo mistakenly read the annual taxes as {$910.00}. Because of this mistake they came to the conclusion that our escrow account had an overage of {$2500.00} and they mailed us a check for that amount. They also lowered our monthly payment from {$1800.00} to {$1600.00}, which was {$230.00} less per month. 

In XX/XX/XXXX Wells Fargo did another escrow review and this time read the taxes properly. They realized the escrow account had a {$4100.00} shortage. They gave us two options. Option 1 ) Pay the shortage over 12 months and the new monthly payment would go up to {$2100.00}. Option 2 ) Pay the shortage amount in full and the new monthly payment would be {$1800.00}. Neither of these options are viable for us. We do not have {$4100.00} to pay up front and we can not afford {$2100.00} a month. That would be more than we were paying before we refinanced in XX/XX/XXXX and would completely negate the refinance. 

We immediately called Wells Fargo to find out what went wrong and to clear this up. They are refusing to take responsibility for their mistake. Initially, they tried to place the fault on the company who we refinanced with, XXXX XXXXXXXX. 

In XX/XX/XXXX Wells Fargo gave us the option to pay the escrow shortage over 24 months. The new monthly payment would be {$2000.00} which is still more than we can afford and is still more than the monthly mortgage payment prior to the refinance in XX/XX/XXXX. 

Currently, Wells Fargo is avoiding us and continually telling us they need an additional 10 business days to investigate. This has been going on for 3 months. Once the additional 10 days has passed they tell us they need another 10 days.
Product: Debt collection

Received a letter in XXXX 2021 from Valentine and Kebartas stating they were asked to assist in collecting an alleged debt owed. I sent a cease and desist letter by certified mail to Valentine and Kebartas on XX/XX/21 and I received notification it was delivered to them on XX/XX/21. On XX/XX/21 I received another letter in the mail from Valentine and Kebartas dated XX/XX/21, 4 days after my cease and desist letter was received. This company clearly does not know what a cease and desist letter means.
Product: Debt collection

Company is adding interest to debt it knowingly purchased at a discounted rate. They are supposed to be garnishing my wages but instead have opted to add interest to the debt amount month after month. At this point repaying the debt will not repair the damage they have done to my credit by continuously adding interest and reporting that Im missing payments when they took the debt to court and set up my wages to be garnished.
Product: Debt collection

I told them that this is not me. I have never been to this part of Florida. i have never been in an ambulance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX never late! I have had an exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment.

This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hardship to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports!
Product: Debt collection

On XX/XX/2020 l was approved for a debt relief program for this debt. On XX/XX/2020 Eastern Revenue was notified by Mrs XXXX XXXX, director of student accounts of XXXX XXXX XXXX XXXX that my account was paid and this account had to be closed. But they keep calling me yet and keep the account open hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXr-XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the unverified and inaccurate account from XXXX XXXX XXXX  with Equifax on XXXX. XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX  ) ( to i lequao 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 process 0:35 was untair and deceptive, as they did not " ky 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: Debt collection

I received an alert on my credit report that Credit Management was placed on my credit report Tuesday, XX/XX/XXXX. I have not reached out to Credit Management because i have no knowledge of anything concerning this company. I was NEVER notified in writing of a notice to place this account in collections. I was not properly notified so that I could dispute the debt before it hit my credit report. This would have given me time to request validation. This account has been in dispute with the original creditor XXXX since XX/XX/XXXX due to their inaccurate charging of the bill to my account. XXXX never resolved the issue with me as a consumer, and have since sent this account to several collection companies without notifying me as well. This should be immediately removed from my credit report for the collection agency never notifying me of their attempt to collect any debt. They have illegally placed this on my credit report and i am filing this as a complaint and will take further action if it is not removed.
Product: Checking or savings account

On XX/XX/XXXX XXXXXXXX XXXX  18 minute call XX/XX/XXXX XXXX XXXX  28 minute call XX/XX/XXXX XXXX XXXX  26 minute call XX/XX/XXXX XXXX XXXX  26 minute call XX/XX/XXXX submitted my bank statement from another institution to verify Im the account holder. 

I established this account on XX/XX/XXXX or XX/XX/2021. Since then I have been unable to deposit money. All of my accounts are showing not eligible for transfer. When I called customer service they basically say itll be 7 to 10 days until customer service technical support has a chance to look at it and if they dont understand the process or the problem then it is sent to the engineering team which intern takes more additional time. 

They have advised that I am able to transfer money in using A different banking institution, but if I do that I will have no way to withdraw the money from then until the issue is fixed. 

There is only two levels of support, and when you reach the top level they claim that they do not have a way to contact or reach out to a different individual in order to get this fixed.
Product: Consumer Loan

Recently, My vehicle was repossessed by XXXX XXXX. Unfortunately due to my wife 's health issue, I was not able to make the payments. It was around XX/XX/XXXX that I began to receive calls from All-tran Financial of which they described that there was a deficiency balance of $ XXXX+. After speaking to XXXX, and after she had called my references, and had also left me several voice mails ; I told her that I could not make the payments, and that I would need for her to send me any and all invoices to my home address, and to please NOT call me anymore. I explained that due to my wife 's health I could not make any payments, and could not afford to make any type of agreement. After being put on hold for several minutes, I was transferred to a supervisor by the name of XXXX. Once XXXX XXXX got on the line with me he became very irate, raise his voice, and demanded that I give him personal reasons as to why I could not make any payments. I explained that I could not disclose any more personal information and that I had already shared the information with the previous representative. After going back and forth with him ; he refused to accept my explanation, and kept on antagonizing the conversation. Not having the time to speak to XXXX XXXX much more, nor being able to explain further ; I told XXXX XXXX that I could not speak to him and that I would disconnect. I am reporting this incident as I feel that I have been harassed ( as described in section XXXX of the online version of the rules for being harassed with collection calls ). 

I am formally requesting to have an investigation opened as I feel that Alltran Financial is not conducting professional collection practices. 
Thank you.
Product: Credit card or prepaid card

Cash app card was stolen. I filed a dispute with Cashapp and it was denied because the card was present. OF COURSE IT WAS... IT WAS STOLEN. 

XX/XX/XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX {$40.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS NOT LICENSED TO REPORT OR COLLECT DEBT IN FLORIDA AS I CHECKED ON THE XXXX XXXX XXXX  WEBSITE. THEY ARE ILLEGALLY POSTING ON MY CREDIT REPORT!!!!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TranSunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2025, I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation. 
3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TranSunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Checking or savings account

In the end of XX/XX/XXXX, I believe the XX/XX/XXXX, I received a letter from TD Bank that I had over drafted my account. I didn't have an account with TD Bank so I immediately suspected fraud. I called them ( spoke to XXXX XXXX in XXXX, SC ), but she wanted my SSN to tell me anything. I never heard of them so I didn't give it suspecting phishing. She told me there was a branch in XXXX, FL if I wanted to go in person, so I went the next day, XX/XX/XXXX. While I was there I spoke with XXXX XXXX, XXXX, XXXX. She told me that the account would be closed, and that I might receive another letter of two while they closed it. The balance due was {$390.00}. On XX/XX/XXXX I sent TD Bank a package that included information that I gathered with the help of IdentityTheft.gov disputing this account and charges. I sent it by USPS Certified mail, and I requested a receipt be returned showing that they received it. I received my receipt about a week later for the article. Unfortunately I can't read the signature. So far I have received no less than 6 more letters of intent to collect from TD Bank, I can't find the last one right now, but it was about two weeks ago and it showed a XXXX balance, so I thought this was over. On XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX, ( XXXX ) informing me of their intention to collect XXXX on behalf of TD Bank. I called and disputed the charge immediatly. They told me that they would be turning the disputed charges back over to TD Bank. I filed a police report with the XXXX County Sheriff 's Office Fraud Prevention Bureau XXXX on XX/XX/XXXX. 
This account was opened online, the person who opened it provided personal information about me, but provided no proof of who they were.