23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On several occasions, I executed regular market orders with associated " taker '' fees, as advertised on XXXX XXXX XXXX ( and on supporting screenshot ). The fee stated for the smallest volume tier ( which I fall into ) is 0.25 %, however the actual fees charged are consistently 0.3 % ( see supporting screenshot and XXXX for example transactions ). I have re-computed these fees myself over several different transactions ( from XXXX extracts provided by XXXX/Coinbase ) and the problem seems to exist on both buy and sell sides of the transactions, unfairly charging greater-than-expected fees. 

These aren't rounding errors, they're very clearly fee overcharges ( which is likely not malicious, but is depriving investors of expected monies ).
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 24 hours stating that 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Checking or savings account

I closed my business account on XX/XX/year>. A representative told me it would take 7 to 10 business days to process. XX/XX/year>. I called Huntington customer service. Representative says I can only close in a branch. I do not feel safe going in-branch given my condition just to close an account, and I am far away from a branch. Most other banks allow account closings over the phone or via secure message.
Product: Credit card or prepaid card

I applied the Citi XXXX XXXX credit card on XX/XX/2019 via the link that saying earn a XXXX XXXX XXXX bonus points after {$2000.00} in purchases within 3 months of account opening. However, I only recieved XXXX points. Tried to contact Citi customer servicevia online chat and phone call multiple times but they gave me different answers every time. I kepe the screenshot when I applied the card. Please see attached.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent item from my credit report. This fraudulent entries have significantly impacted my credit score and overall financial well-being, and despite my persistent efforts, they continue to remain on my credit report.

The following fraudulent item have been adversely affecting my credit report : I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am prepared to take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud item in my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX CREDIT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$3000.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

XXXX. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, A XXXX XXXX  located in XXXX, Texas collected my personal information under false pretenses ( claiming a cash prize I had won ) and submitted it to the credit bureaus in an unauthorized attempt to offer me financing for a vehicle purchase that I did not want nor request. Unfortunately, this resulted in a XXXX  of new hard credit inquiries on my credit reports that I did not want nor authorize. I was advised to contact each of the individual financing companies that initiated hard inquiries on my report, as to request the removal of each fraudulent inquiry individually. 

On XX/XX/2022, I mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX to inform them about the issue and to request the retraction of the unauthorized credit inquiry. Unfortunately, said letter was returned to me on XX/XX/2022, as 'Undeliverable ' due to the fact that they are reporting an incorrect address to the credit bureaus. Therefore, my inquiry still needs to be addressed.
Product: Credit reporting

Someone attempted to open a XXXX XXXX Credit Card using my identity on XX/XX/XXXX, 2016. When I got an alert, I called XXXX and the application was deleted. The hard inquiry on my credit report, however, remains. I have informed TransUnion that this is in error due to identity theft and I never authorized the application. TransUnion told me I needed a " Delete '' letter from XXXX. XXXX told me that they have no record of the application and can not issue a " delete '' letter. TransUnion has told me that, without that letter, they will not remove the inquiry.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 
To Whom it May Concern : I recently reviewed my credit report and discovered the following erroneous item ( s ) : XXXX  account number : **** This account is marked as XXXX  days late. I've never been late on this account. 
I request that you VERIFY this information and give me with copies of any paperwork related to your investigation. In the absence of such verification, I formally request that this information be immediately removed from the credit file you keep for my Social Security XXXX. 
Finally, please erase any non-account holding queries older than XXXX  days and apply a promotional suppression to my credit file. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

We reached out to USAA for an auto loan for our XXXX XXXX XXXX. we requested and were extended an 84 month note via phone call with a banking representative. A monthly payment was provided at the rate and term requested which we agreed to on Friday XX/XX/XXXX. The documents were sent and we were asked by our banker to please complete the documents online via our USAA web portal. We completed the documents and purchased the vehicle. On Wednesday XX/XX/XXXX we saw the note posted to our USAA account with the agreed upon interest rate, but the term was 72 months, not the verbally and originally agreed upon 84 month rate. This decrease in amortization caused our payments to jump by nearly {$300.00} per month. 

We requested USAA correct this error but they said we had signed the documents and that there was nothing more that they could do for us. While we agreed upon a rate and term that we could afford, USAA switched the term to from 84 down to 72 months making the vehicle unaffordable for us. 

The issue is we were told one thing which was agreed upon and then given something else. On top of that, the loan documents were never explained to us and we were instructed to go online and complete the documents without any guidance from the bank or its representative to answer any questions that we may have had, and to explain the documents that we were signing. We signed in good faith with the bank since we have been members throughout our entire adult lives. 

We are requesting that the bank live up to its original agreement and honor the longer term note that was offered and nothing more. We want the bank to honor the 84 months offered and agreed to, not the switched without out our consent rate we were unaware of in our confusing loan docs of 72 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX, XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to remove the bankruptcy from credit report it says on my credit report that they received the information from the bankruptcy court but its not true because the bankruptcy court dose not report to any credit reporting agency
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written intrusions. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. 5. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account 8.DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account
Product: Prepaid card

Amex gift cards are advertised to work as a normal card work, but often get declined at many online and physical locations. This makes them impossible to use. Company response is to use the card at a different merchant, which makes the card unusable as intended. 

XX/XX/year> - card purchased with {$750.00} loaded XX/XX/year> - attempted to use card to pay rent, card declined with address mismatch but amex gift card can not be registered with an address XX/XX/year> - card declined when used online with XXXX XXXX at multiple merchants XX/XX/year> - card accepted at one online merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well guys this isnt my account and is being reported inaccurately I filed a report with identity theft.gov and multiple police reports. Account was opened XX/XX/XXXX I had been in the hospital fighting for my life from XX/XX/XXXX through XX/XX/XXXX and wouldnt have been able to obtain any credit during the tough time period where I was fighting for my life Ive sent the credit Bureaus and Creditor multiple letter and phones call to assist me with this matter and Ive have yet to receive any help or yet to see the account being reported inaccurately removed. Its an violation of my right under the FCRA to report inaccurate information on my credit report Disputed Account listed Below : XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXXXXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

When my student loan was in repayment I would make a payment and if the payment was short they would not add the payment to my account until it was the full amount although it was two account they would not pay any of the account but instead they would report both account to the credit agency as being late. For example of my payment was {$50.00} and the payment was {$40.00} they would to apply it to any of my account and when I inquire why they would only say that that was the rule. They would hold the payment until I make another payment then they would apply it to my account which mean I was paying more interest than I would have had they apply the payment although it would not cover both account. At the time I did not know that I could have reported it to this agency. My loan have since been forgiven because I am total and permanent disable veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

DateXXXX XXXX XXXXXXXX CompanyXXXX XXXX AddressXXXX XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX I never agreed to this credit pull there is nothing with my signature agreeing to such DateXXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Request Originator DateXXXX XXXX XXXX CompanyXXXX AddressXXXX, XXXX XXXX XXXX, XXXX, OH XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX  AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX AddressXXXX XXXX XXXX XXXX, DE XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX I never gave XXXX verbal or written consent for these companies to pull hard inquiries on my credit I disputed with equifax and they wont remove XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information on my credit report for a little over a XXXX now & the company who is reporting that I have a charge off is reporting inaccurate information so I know for a fact that the bureaus are continuing to leave this charge off on my credit without properly investigating this issue. XXXX XXXX XXXX is the creditor & has not provided me with any information or documentation showing that the account does in fact belong to me, if unable to provide concrete proof then they are supposed to delete this information from my file. The burden of proof is actually on them to prove it, not me
Product: Debt collection

A debt was added to my credit reports BEFORE I was notified of the debt in writing and the opportunity to dispute. The debt stems from student housing for my daughter. She never received the keys or took possession of the unit. We attempted to resolve this with the apartment complex but was unable to. I was not made aware the debt had been handed over to a collection agency until it showed up on my credit report. I tried disputing it with the credit bureaus bureaus but ProCollect continues to validate the debt even though I was not made aware nor was my daughter. I am asking again for them to remove the debt from my credit report and my daughters credit report. Her name is XXXX XXXX. We are supposed to have an opportunity to dispute the validity of the debt before it is added to our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of an attempt to pull my credit by an unknown source on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and intermediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with XXXX  and XXXX. The account was listed as XXXX/Aspire   and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with XXXX  and XXXX  to have the account removed. Within 24 hours XXXX  notified me that the account was verified and would not be removed. I also contacted Aspire at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a report.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, who lived with me for 6 years, stole my identity during her stay. She made unauthorized copies of my Social Security card, drivers license, and birth certificate, then used them to open numerous accounts in my name without my permission. I am doing everything I can to resolve the financial mess she created, but her actions have left me with significant debt affecting my credit report. Ive filed a police report, but there is little else I can do as she is currently untraceable. 

After extensive research on the best steps to take, I am filing this CFPB complaint to request that Equifax in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report resulting from identity theft. This action must be completed within 4 business days of receiving this complaint, as required by the law. I have once again provided the relevant information about the affected account below : ACCOUNTS XXXX  XXXX Acct No. : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Acct No. : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Acct No. : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Acct No. : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Acct No. : XXXX I do not recognize these accounts/inquiries and did not authorize them. Due to the malicious actions of a former roommate, I am now left dealing with the impact of her fraudulent activities. These accounts and inquiries were not made or initiated by me and are the result of identity theft. I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ), along with several FTC Affidavits previously submitted to Equifax, as evidence from the U.S. Federal Trade Commission confirming that these inquiries are a result of identity theft and fraud.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.