23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 fraudulent inquiries on my equifax credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022. I did not consent or authorize these inquiries for my personal credit report. I am asking that documentation be provided that I applied for these accounts and if no documentation can be provided that these be deleted from my file immediately so i can not be denied credit in the future.
Product: Debt collection

I requested on XXXX occasions for USCB to verify and validate a debt from XXXX XXXX XXXX. Each time all they did not send the original application with my signature, the itemized statement of fees for the balance they are trying to collect for. The credit bureaus XXXX, XXXX, and XXXX have considered the debt accurate only due to the address and name.
Product: Bank account or service

Earlier this week, I had a call come in that turned out to be someone attempting to get my bank information. I called Chase and let them know about the call and that I was concerned because someone apparently had at least some of my information. They verified that everything was fine with my account and not to worry. If anything came up, I would be contacted through their secure messaging. 
So yesterday, I was checking on my account and saw that a check that was supposed to be there, was n't. I verified that it was actually supposed to be in my account by yesterday and then called chase to find out what the hold up was. They verified that the money would be in my account by the end of the business day. They also said that there was a restriction on my account but not to worry. 
I sent an email later in the day through their messaging system to find out what this restriction was. they sent me an answer with a number for me to call. So I did. Turns out the restriction was that Chase was closing my account. Even better, they would not tell me why. the representative would only say that Chase has the right to close any accounts without any warning or explaination. She did say that if I called today that I would be able to go and take my money out of the account today. 
So I called today. And was told that no, I could not take my money out today and that they would be sending me a check for the amount. 
So now are they not only closing my account without reason, but they are now holding my money hostage as well. I am at my wits end and I do not know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union XXXX XXXX has not deleted the XXXX account. the posted information has been on my credit reportes and should be removed and deleted from all 3 credit bureaux.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my consumer rights under 15 usc 1681 ( A ) ( 4 ) The right to fairness, impartiality, and a respect for my right to privacy. There reporting false and inaccurate accounts on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit history report. That Report contained incorrect information reported by Transunion I contacted Transunion to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that Transunion claims this information to be accurately reported. This is not true, and here as follows is the correct information : 1. Account doesn't belong to me. Fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I'm XXXX, I received the findings from incomm on XX/XX/XXXX, my case numberXXXX, They told me sent a new gift card to my XXXX  address, but the case has been 3 months and I changed a new address last month, I have moved from XXXX  to XXXX XXXX, my old address in XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the customer service on the back of the card and provided my case number and name and address, but she said she could not verify me. I think she deliberately didn't want to help me, and told me that if I have any questions, please reply to this email XXXX, which I did, but 4 days have gone, and I haven't received anything reply, I can't contact them about my case, I cant get help, I hope CFPB can help me, Ive been waiting so long time for this case, if you can help me change my address, please let me know, if they use XXXX to send the new card to me, please let me know the tracking number, my new address is : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. I actually explained to customer service representative XXXX XXXX another case last month that I moved to XXXX XXXX for work, please change my new address The mailing address of the card.
Product: Money transfer, virtual currency, or money service

Hello Sir/Madam, I opened my crypto wallet account in Gemini & I transferred cash to my new Gemini account. It was working fine till XX/XX/year>. I convert that cash into XXXX & send that XXXX to my other wallet I have on XXXX. Yesterday XX/XX/year> when I tried to send my XXXX from Gemini account to XXXX  account, Gemini froze my account stating there was suspicious activity on my wallet. 

Gemini has no right to froze account without my consent or if I report Gemini for any fraudulent activity in my account. 

I did research on Gemini & Gemini have so many complaints against them to Freeze customers account to steal the funds from their account. 

Please take strict against Gemini & XXXX XXXX Gemini XXXX, Partners, XXXX, Employees etc., ASAP to take Customers funds & freeze their accounts & stating there was fraudulent activity in your account. 

I can understand Gemini have policy to freeze customers account if they find suspicious activity. However they should return customers funds to their bank account. 

Gemini have no right to use Customers funds & freeze their accounts. 

I want all my funds back into my bank account ASAP. Gemini should pay for the damages that caused me & shouldn't deduct any fees from my account. 

I need full money back to my back account what I had transferred to Gemini account. 

Please take a strict & revoke their business license so that they can scam any future customers. 

Please help me. 

Thanks. 
Your 's Truly
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

American First Finance has not provided me with a billing statement, notification of payments due, or any contact since I filed my previous complaint. I have now received a late payment on my credit report. I have not received any notifications regarding billing statements or payments due since XX/XX/2023. 

After logging into the portal, I found that I have been assessed an excessive amount of fees, and the balance has increased from {$100.00} to over {$600.00}. 

American First Finance has violated the Fair Credit Billing Act by not providing any billing notifications.
Product: Student loan

I have a loan with Sallie Mae. Several months ago, they emailed me saying that they could provide 'assistance ' during COVID. I inquired about what that assistance looked like, and then decided I did NOT want that assistance. To be clear, I never asked for my loan to be placed on forbearance, I simply inquired about what it would look like. 

Sallie Mae placed my loan on forbearance anyways, without my consent. I called Sallie Mae and spoke with a manager, who agreed that I did not consent to getting my loan put on forbearance, and that he would take my loan off forbearance. 

Two months later I get an email saying that only now is my loan being taken off forbearance, which means my loan was still on forbearance after I was told it was being taken off. I spoke with the same manager on the phone, who told me that he in fact DID take my loan off forbearance, but that their 'system ' automatically put me back on without my knowledge or consent. Not only that, but their system had done the same thing with every single customer that wanted to be taken off forbearance. To repeat, every person who had requested to be taken off forbearance was automatically put back on. 

I find this practice predatory as they try to squeeze more money out of young people who are already struggling. It is reasonable to expect Sallie Mae to come back with an explanation of why this happened and then provide a detailed, step by step response as to the actions they will take to prevent this from happening in the future. Thank you.
Product: Debt collection

This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$3100.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was an XXXX credit card issued by Synchrony Bank. I contacted Synchrony Bank and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case, a notarized Affidavit of Fraud and a copy of the police report.This was mailed on XXXX/XXXX/XXXX. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : # XXXX Balance {$4500.00}, XXXX XXXX XXXX  : # XXXX Balance {$7900.00}, XXXX XXXX XXXX : # XXXX  XXXX Balance {$35000.00} I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and 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 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 ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

During multiple disputes I have requested the deletion of these accounts since they appear as negative accounts when these accounts are settled. paid in full accounts paid in full : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was in a car accident was XXXX and consequently had to have XXXX on XX/XX/XXXX the XXXX was performed by XXXX XXXX XXXX ( XXXX XXXX XXXX ). My case was settled in XX/XX/XXXX. At that time all medical bills and doctors ' bills were paid by XXXX and the Law Offices of XXXX XXXX XXXX I was sent a courtesy copy of what was paid and to who it was paid from both my attorney and XXXX XXXX and XXXX XXXX. 
Years later I get a bill from the XXXX XXXX XXXX stating that they sent my nonpayment to collections American Capital Enterprise, INC. I assured the receptionist that these expenses were paid. She informed me that I needed to pay the balance {$6000.00} At any rate they have not stop harassing me for payment that was already made to XXXX XXXX XXXX XX/XX/XXXX. They insist on payment that was already made and is now in collections. 
Sincerely, XXXX XXXX
Product: Debt collection

At least 3 times daily I receive a phone call from this company 's number. The message I receive is following-This message is for XXXX we need to gather your statements and your attorney information. After 2 hours your claim will be turned over to litigation and attorney fees will be added to this collection, there is also recommendation to suspend your driving privileges for 180 days. I can not stress how important it is that you call us.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

There was 2 transactions were made through XXXX  transfer from my savings account. Someone just added XXXX XXXX as XXXX recipient and made 1 transactions worth {$900.00} and 2nd transactions worth {$900.00}. 
I have filed case with fraud department and got the reply that " the device used to make those transfer is the same device i have been using to login ''. this is what bank of america people saying. 

I am telling them that i did not do those transactions to prove that i can do whatever they ask 1. I filed a police complaint with local police department they still stuck at assigning a detective to my case. 
2. i filed a case with general attorney. They replied to file a complaint with CFPB. 
3. I filed a complaint with XXXX These people are sucking my blood from last month over my own money. I am telling them i did not do those transactions and they keep ignoring that i did those transactions and closing the case.. 

I can even go to court to resolve this case but i am not loosing my money. 

I have seen in the internet the same issue is happened to other people they returned their money. Please see the video. same thing happened to me. 

https : XXXX I am attaching the proofs that support the case. 
when these transactions were made i did not receive any confirmation messages. 
when that much amount being transferred they should increase their security levels to stop these type of fraud. 

Bank of america people making me suffer because someone hacked into their mobile app and made these transfers now they acting like they dont want to refund my money. 

Bank of america people are BLOODSUCKING thief 's. 

Bank of america people know this issue but they not willing to refund the money. 

please help me to file a lawsuit against bank of america. 

Please Check this video https : XXXX
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX {$1200.00} XXXX {$1200.00} - {$1200.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$550.00} COLL {$550.00} - {$550.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$91.00} COLL {$91.00} - {$91.00} - - - XXXX EF I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with XXXX and ford motor credit. This dept is going to be XXXX XXXX XXXX, ford reopened my account without any given knowledge or reason. XXXX is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called XXXX, cut me off from using it. The card is paid well and on time, XXXX  is another complaint. The Statius of this credit card changed when ford motor reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you
Product: Checking or savings account

Money was being withdrawn from the checking account unauthorized close to the amount of {$2000.00}. When this was brought to the banks attention they had us to fill out XXXX XXXX XXXX XXXX claim documents, and we were informed that the monies would be returned. We were also informed that we would hear back from the bank within XXXX XXXX XXXX XXXX days. This was back in XXXX of this year. On Tuesday XXXX XXXX, XXXX we were informed by the bank that we would have no recovery but was not given a reason for the decision that was made.