23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used XXXX XXXX to try and do taxes. I had several questions regarding the fees and charges for submitting the paper work. None of the issues were resolved and I was just passed along from one agent to another. I called the customer service and spoke to them explaining how upset I was in the service and that I did not want to file my taxes through them. They sent me a link for the refund as they had already charged my card without filing the taxes to the Federal or the state. I contacted Citibank who a day later aprx XX/XX/XXXX told me by email I was getting a permanent refund back to my credit card. Later when checking the statement I saw a notice by the XXXX XXXX credit which stated withdraw dispute. Knowing I had received confirmation by Citibank I pressed this button thinking it was to remove the stated dispute from my statement. Now I find out on the very same day that this was not the meaning and spoke to there Manager XXXX who agreed how this statement could be misunderstood and that he would take care of it. I called back today XX/XX/XXXX to find nothing was done and the XXXX dollar charge is back on my statement from Citibank despite there advising me it would be done back on XX/XX/XXXX. I need someone to intervene on my behalf as nothing is being done. In the meantime I did engage with another firm to do my taxes as time is of the essence. I never filed anything through XXXX XXXX.
Product: Debt collection

You are currently reporting debt to my credit report XXXX and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware of a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards,
Product: Credit reporting or other personal consumer reports

XXXX Jpmcb auto has a charge off on my account for a incorrect balance Ive asked to submit documents for verification I have not received and also I have not received a XXXX form that states After a debt is canceled, the creditor XXXX send you a Form XXXX, Cancellation of Debt showing the amount canceled and date of cancellation
Product: Credit reporting or other personal consumer reports

Security Finance has XXXX inquiries on my credit report stating I owe which is fraud. 
{$1100.00} XX/XX/XXXX XX/XX/XXXX {$1100.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$430.00}.
Product: Debt collection

Credit Collection Services was paid in full upon INITIAL notice DATED XX/XX/2022 of collection activity from XXXX XXXX for the amount of XXXX. I called on XX/XX/2022 and resolved the debt IN FULL and was told i resolved the matter timely and it would not be reported ... the outstanding amount was actually {$110.00} due to my previous arrangement with XXXX XXXX On XX/XX/2022, i recieved notification that my XXXX credit was falsley tagged with a collection account and today XX/XX/2022 XXXX  XXXX has been tagged with a collection account. This has all damage MY CREDIT! I expect tomorrow XXXX will also be hit with a collection. None of this activity should have EVER been reported and it needs to be removed ( DELETED ) immediatley!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. 
this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the XXXX XXXX XXXX XXXX page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. 

XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... XXXX XXXX XXXX, U.S. District Court, XXXX XXXX XXXX California, No.
Product: Credit reporting or other personal consumer reports

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. 
TransUnion, XXXX and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. 
They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I have not initiated any transaction with the following accounts : XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I do know I have an account with XXXX  XXXX which the account was opened XXXX XXXX, XXXX ( 6 mos ) and that inquiry is accounted for which is XXXX  XXXX on XXXX XXXX but the other Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Checking or savings account

Citibank is offering a bonus for newly opened eligible checking or savings accounts. If you open a checking/savings account and deposit {$15000.00} into one or both accounts, after 60 days, Citibank will give a {$400.00} bonus. 
I did everything the bank required and was a qualified new customer at Citibank. But now my $ XXXX is in the account for more than 3 months and no bonus was sent to my account, I called them and they said I need to appeal. 
My husband also opened an account just like mine and he called Citi bank and he got a letter telling him to wait another 90 days. 
I can believe CITI bank is such a scammer, I found many people complaining about the same problem and people suggest we complain to CFPB and the problem will be solved quickly.
Product: Credit reporting

I disputed an account on my credit file and was advised that the item will be removed. However when I pulled a new report the item is still showing. I have made XXXX calls and spend over XXXX hours on the telephone with Equifax. I have had a number of problems with this credit reporting agency. I feel that they are using tactics to intentionally cause my score to be low. The item that is in dispute is the XXXX XXXX / XXXX XXXX for {$4200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card information was stolen back of XXXX XXXX XXXX and is still effecting my XXXX account til this day ( XX/XX/XXXX ) someone is pretending to be me and calling XXXX. They call XXXX using my information to verify and then they tell XXXX the cards are either lost or stolen and have them replace the card but make up stories that theyre on vacation and need the card shipped to them and not my address on file. 
I have accounts in balances well over the credit limit that XXXX is trying to hold me responsible for. I have shown them proof many times those charges were not mine and they still deny my claim. My spending there are charges in New York and XXXX XXXX and charges from $ XXXX {$2700.00} which is insane. 
All the cards have been stolen and copied many times XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that was previously deleted has been reinserted without proper notice being given. 

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
Product: Money transfer, virtual currency, or money service

( Block , Inc . ) DUE TO INADEQUATE CUSTOMER SERVICE AND UNFAIR PRACTICES, WICH 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 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 VOILATIONS.
Product: Money transfer, virtual currency, or money service

I went to make a payment to my insurance company through PayPal, I have over seven different accounts with PayPal so just like any other transaction I thought I would be prompted to select which account I want to use. I was not and what happened was they automatically selected my bank account. I went onto PayPal to try to change the payment method and at that point I determined it was too much of a hassle so I cancel the payments and paid through my own independent method. In that time PayPal attempted to take that same money which was {$310.00} out of my account three times which then XXXX calls for me to be charged overdraft fees. I reached out to PayPal to inquire about this as well as asked them to give me my money back for my overdraft fees and I was told that they would give me a letter but there was nothing else that they could do for me. I spoke with a XXXX who is a supervisor in the debt collecting department, which I was not supposed to be connected with to begin with because the money had already been taken out of my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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. 2025-CFPB-0002 ) 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 thats Ive marked as innaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by a debt collection agency. I notified the representative that I would like to dispute the debt because I did not owe the amount. The representative stated she would only mark my account as a refusal to pay. I stated multiple times that I do not owe the amount and she refused to acknowledge it and stated I am just refusing to pay.The representative then stated this call is over and ended the call.
Product: Credit reporting or other personal consumer reports

Upon revievieweing my credit report, I have identified the following item ( s ) that contain inaccuracies 1. The following personal information is incorrect Reported names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Addresses : XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX following personal information is incorrect Employment info : XXXX XXXX XXXX  XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report 5.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report 6.The following account is not mine XXXX XXXX XXXXXXXX Account Number XXXX XXXX Please REMOVE it from my credit report 7.The following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Credit bureas and XXXX XXXX  claimed they did an investigation but that can't be possible when I never have THEM WRITTEN IMSTRUCTIONS to do so All companies involved are in violation of the law!!! 
XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance $ 724 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX  Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed an account with XXXX XXXX XXXX that I never disputed from my credit report. I would like to know how this could happen. 

XXXX  XXXX XXXX # XXXX
Product: Prepaid card

On XXXX XXXX I received a prepaid Netspend Visa card for my XXXX XXXX  child. This was never authorized by me. I went to the phone number in the material that came with the XXXX XXXX to cancel the card, which then prompted an automatic email to my XXXX  child asking her to call the customer service line. I called the customer service line myself to make sure the account was deactivated and to insure that her account that they created for a minor without permission from a legal guardian was closed and if they took any money from her that they immediately return it to her. The customer service agent said that they only talk to the card owner. I told them again that she is a minor that they would not deal with her but her parent. The customer service agent said sorry that he can only deal with the card owner. I asked to speak with a supervisor because they cant transact business with a minor without my permission. I was placed on hold and 40 minutes finally someone came on the line and then hung up.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service, support & unfair practices. Cash app failed to provide support to fraudulent transactions on their platform and banking system. They did not comply with error resolution resolution requirements under electronic funds transfers act. Multiple false transactions and no resolutions occurred leading to a financial loss.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have over XXXX inquiries from all type of companies they have my name attached to people I dont even know Ive been having a hard time getting verified through the Experian XXXX and XXXX because I cant even verify
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX ; # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX has violated my rights.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of Equifax data breach. I want these items deletedform my credit report immediately. ACCT # XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. and Equifax has done nothing.Please help me deletes these illegal accounts from my credit report.
Product: Checking or savings account

someone hacked my phone number apparently. my chime phone number was changed to another number and my password was changed. i have XXXX factor authentication and passkey enabled and someone was still able to change my password and add another phone number to my account. I awoke to numerous text messages and emails showing my information was changed on XXXX XXXX, XXXX  and that a XXXX account had been linked to my chime account. i had {$580.00} in my chime builder, {$100.00} in my savings and {$99.00} in my checking. whomever. transferred all funds to the checking account and then transferred {$670.00} to a XXXX account. i don't own XXXX nor do i even have a log in for them. per the yahoo email which was connected to my chime account. someone logged in at XXXX am from XXXX XXXX in XXXX XXXX, XXXX  and added the account and transferred {$670.00}. i contacted chime as soon as i realized what happened. i wasn't even able to log onto my account. their security structure is a joke. they should have froze my account when they detected an unknown log in instead of sending me a text message. i have sent them all the screen shots and emails showing how and when this happened and my claim was still denied. How am i supposed to get my funds back. i am out of {$790.00} - i am going through a divorce and single parent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection on the XXXX partial account number XXXX in the amount of {$12000.00}. ( Please see pages 36 and 37 of the attached credit report. ) These student loans have been consolidated and therefore not be reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed.
Product: Debt collection

Letter sent to Portfolio Recovery requesting validation of debt. I have not had any follow up communication with said company nor have they been able to validate the debt. Also, filed a dispute with XXXX.
Product: Credit reporting

file # XXXX chapter XXXX ... According to FCRA ... Transunion failed to provide proof and how they verified the above file # .. They claim it was verified.. According to the FCRA they just violated my right under the FCRA rule ... You ca n't just send a report to a dispute saying you verified information. They failed to validate and send proof of where they got the information from. I already checked with the court house they claim the credit bureau do not verify with them at all ... They need to provide this information otherwise this file # XXXX has to be deleted immediately from my credit report!!