23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I work for an airline and have a checking with NFCU that I use only for international traveling to avoid fraudulent transactions, since my route is XXXX and that destination has many problems associated with fraud and identity theft. 
On XX/XX/2023 I requested an XXXX ride via pp, but canceled three requests, due to the fact that drivers did not show up on a timely manner. 
During that time I saw the three transactions showing as pending transactions on my account and thought it would drop from my account, but on XX/XX/2023 the three transactions related to the canceled rides did posted my account and I contacted NFCU on XX/XX/2023 to request disputes to be placed, since it was international charges and I could not contact the merchant ( XXXX ). 
I also submitted a screenshot of XXXX canceld rides to NFCU to assist on their investigation. 

After calling NFCU, I received an immediate provisional credit in the amount of {$4.00}, but the other two transactions did not get processed, so I have contacted NFCU several times to verify that the other two transactions were processed. About a week ago, I was told by one of the NFCU representatives that provisional credits would be posted to my account no later then XX/XX/2023. 
But as of today, the credits are still not showing on my account. 
Today I contacted NFCU again and spoke to XXXX, a supervisor to NFCU and he told me that my disputes have not eve been assigned to anyone yet, and he had no prevision on when it will be assigned. I asked if he could send a request to expedite the process and he said that is not possible. 
My funds are still being held at NFCU and my disputes are not being processed for a final resolution and refund.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on 1-5-2025. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Student loan

I am very disappointed! My student loan servicer MOHELA recently switched to mohela lied XXXX XXXX. When they did, they added to my balance.it should say I owe about XXXX not my original loan amount!!!
Product: Credit card

I ordered an online personal income tax software package from XXXX XXXX XXXX XXXX on the XXXX website on XXXX/XXXX/16 using a US Bank Credit Card for {$27.00}. I never received the e-mail with the download code, so I could never gain access to the tax software. I contacted XXXX & XXXX XXXX, XXXX and US Bank in order to get the software or get a reversal of the {$27.00} charge on my credit card. All refused to assist me in getting the software or a credit. US Bank gave me a credit on XXXX/XXXX/16, but then reversed the credit on XXXX/XXXX/16.
Product: Debt collection

On XX/XX/2022 I mailed a verifications f debt letter to National Recovery. On XX/XX/2022 they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX/beginning of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. I was told that they would not remove it then they agent again attempted to collect on the debt.
Product: Debt collection

MRS BPO LLC has been calling and texting looking for someone named XXXX. Ive repeatedly asked them to stop calling because they have the wrong number and they continue to call/text.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. 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 the dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act & regulation E. These actions have caused significant inconvenience and financial loss, I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXX account in order to have it removed from my credit report as I feel based upon my research it is not reporting accurately or in compliance with FCRA or the FDCPA
Product: Credit reporting or other personal consumer reports

" I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations.

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts/Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit card

PNC bank mailed me a physical letter advertising my pre-approval a new credit card with a promotional bonus of {$100.00} upon meeting certain requirements. After meeting the requirements no {$100.00} bonus was received. I spoke to a PNC bank escalation representative who asked for a copy of the offer, which I provided. I was then told by the representative that the {$100.00} credit would not be given because I was not eligible for the offer because I had previously received an unrelated bonus for an unrelated banking product. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified by receiving bonuses for unrelated banking products. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line..
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit profile that needs to be deleted. 

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Violation of Fair Credit Reporting Act Title 15 15 of the United States Code, Section 1681 b, commonly referred to as " 15 USC 5 1681 b, '' is a part of the Fair Credit Reporting Act ( FCRA ) And also defamation of character.
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 XXXX XXXX XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 card or prepaid card

On XX/XX/XXXX I was scammed out of XXXXXXXX XXXX XXXX on two separate prepaid American Express cards I purchased in trying to rent a car. I called my bank and they say it may take up to 45 days to get the case disputed and it's not a guarantee I'm going to get my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX  XXXX XXXX Balance : {$24000.00} ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting

iam having a problem with equifax i have called them i have written them and they just dont care iam trying to dispute some things with them when i go to the dispute site it rejects me saying iam not entering right information they ask questions that have nothing to do with me so they must have the wrong information there reporting wrong information on me and i should have the right to dispute i use XXXX with equifax and XXXX i have no problems with XXXX some help would be nice thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion llc consumer dispute center XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Charge-Off Account XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion This letter is to formally dispute the charge-off account listed on my credit report under account number XXXX [ Choose ONE of the following options and tailor it to your specific situation : ] * Option 1 : Dispute Accuracy * " I believe this charge-off is inaccurate. 15 usc 6802 e.g., " I believe the account was paid in full, '' " I dispute the amount owed, '' I request that you investigate this matter and update my credit report accordingly. '' * Option 2 : Dispute Validity * " I dispute the validity of this charge-off. [ Briefly and clearly state your reason for dispute, e.g., " I believe the debt is beyond the statute of limitations, '' " I believe the debt was discharged in bankruptcy. '' ] I request that you investigate this matter and update my credit report accordingly. '' * Option XXXX : Dispute Reporting * " I dispute the reporting of this charge-off. [ Briefly and clearly state your reason for dispute, e.g., " I believe the charge-off was reported before the account was officially charged off, '' " I believe the charge-off was reported to the wrong credit reporting agency. '' ] I request that you investigate this matter and update my credit report accordingly. '' I am enclosing copies of [ list any supporting documentation, e.g., payment receipts, proof of bankruptcy discharge, etc. ]. 
Please investigate this matter promptly and provide me with written verification of the results of your investigation within [ timeframe, e.g., 30 days ] as required by the Fair Credit Reporting Act ( FCRA ) .15 usc 6802 Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I called Bask Bank last Monday, XX/XX/year>, with a suspicion of fraud as I was receiving notifications for unauthorized logins. Bask Bank then offered to disable my account while they " investigate the issue ''. They claimed to provide me with an update on this process ASAP, however after four different phone calls, each rep. had said that they were unable to provide me with an update, as it is " currently being looked at by another team. '' I can not imagine it now taking eight days to resolve this issue, let alone provide me with just an UPDATE on what's going on. I currently have $ XXXX in this account and I need to move monies out of this account to make investments. This is a time-sensitive issue, which I exclaimed to them, and the conversation continues to go nowhere. They do not connect me with a supervisor, nor provide me with ANY details on the status of my disabled account. 

When the account is in the disabled status, you can not perform money movements in/out of the account. As I mentioned above, there are time-sensitive issues/investments that I need to fund ASAP, and Bask Bank is making it very difficult for me to do this. 

I have attached the four call logs below, where each conversation lead to nowhere. I have also attached proof of me attempting to move {$5000.00} around to make a time-sensitive investment, and the ACH being returned to Bask Bank due to the account being in the disabled status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors on my credit report for both accounts below XXXX XXXX and XXXX XXXX XXXX accounts. Experian, XXXX, and XXXX are reporting information about me which are inaccurate. All three credit bureaus are reporting different high balances on this account and do not show the same opening date. As they are aware they can only be One high balance on an account and One opening date. 

All the 3 bureaus are in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ). The banking system is dependent upon fair and accurate credit reporting. 

DELETE the following accounts immediately for failing to comply with the FCRA. 

XXXX XXXX XXXX  XXXX XXXX.
Product: Student loan

After paying my upcoming monthly payment online through Mohela website, I get notified after a few days that my financial institution has denied my payment.. I called XXXX XXXX  XXXX, our bank, and they say no attempts or records from Mohela attempting to get payment. 

So my first payment now is past due and my interest has gone up. I tried by phone just to pay differently. And today I receive the rejection email again your financial institution has rejected the payment.. 

Ive been paying with this same bank account before the repayment started and our bank is okay. 

I called Mohela and they wanted me to change my bank account. And also suggesting I may have put my info wrong when I sign up for auto debit, which is still processing forever! Their auto debit seems buggy. 

Anyways, Ive tried online payment, by phone, nothing seems to work.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address concerns regarding XXXX 's non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically regarding the following sections : 1. 15 U.S.C. 1681c This section mandates that consumer reporting agencies must not report any adverse information that is more than seven years old, with certain exceptions. If XXXX has reported any information beyond this time frame, it is in violation of this statute.

2. 15 U.S.C. 1681b This section outlines the permissible purposes for which a consumer report may be obtained. If my report has been accessed or shared without my consent or for an impermissible purpose, XXXX is not in compliance with this provision.

3. 15 U.S.C. 5802 As this section relates to the requirements for the accuracy and integrity of information provided by consumer reporting agencies, any inaccuracies or failure to verify information could suggest that XXXX is not adhering to this standard. 

I request a prompt investigation into these matters and a response detailing the steps XXXX will take to ensure compliance with the FCRA. 

I request that the following items be removed from my credit report due to non-compliance with the aforementioned FCRA provisions : Names 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX Addresses Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX number XXXX ) XXXX Negatives XXXX XXXX XXXX XXXX Hard Inquiries 1. XXXX XXXX XXXX Date : XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date : XXXX 3. XXXX XXXX XXXX XXXX Inquiry Date : XXXX 4. XXXX XXXX XXXX Date : XXXX 5. XXXX - XXXX XXXX Date : XXXX 6. XXXX XXXX XXXX Date : XXXX 7. XXXX XXXX XXXX Inquiry Date : XXXX 8. XXXX XXXX XXXX Inquiry Date : XXXX 9. XXXX XXXX XXXX Date : XXXX 10. XXXX XXXX XXXX Date : XXXX 11. XXXX XXXX XXXX Date : XXXX